Private Financial Service • Not a Government Agency • Certified Debt Specialists Available
No Upfront Fees • Free Evaluation

Find the Right Path to Lower Your Debt

Whether it's consolidation, settlement, or a structured management plan — our specialists evaluate your situation and match you with the right debt relief program.

Debt Consolidation Debt Settlement Debt Management Plans Hardship Programs

Get Your Free Debt Evaluation

Find out which relief option fits your situation — no obligation.

How much total debt are you carrying?

$10K – $25KCredit cards, medical
$25K – $50KMultiple accounts
$50K – $100KSignificant balances
$100K+High-balance situations

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You're All Set!

A certified specialist will call you within 15 minutes during business hours to walk through your options.

15,200+
Clients Helped
$380M+
Debt Enrolled
4.8 / 5
Client Satisfaction
IAPDA Member
A+ BBB Rating

Debt Relief Options We Offer

Every financial situation is different. We help you find the right approach based on your income, debt type, and goals.

Debt Consolidation

Combine multiple debts into a single monthly payment, often at a lower interest rate. Simplify your finances and potentially reduce what you pay in interest over time.

Simplify Payments

Debt Settlement

We negotiate directly with creditors to reach agreements for less than the full balance owed. Typically for unsecured debts like credit cards and medical bills.

Reduce Balances

Debt Management Plans

Work with creditors to restructure your repayment terms — lower interest rates, waived fees, and a fixed monthly payment you can afford. You repay the full balance over time.

Lower Interest

See How Much You Could Save

Adjust the slider and select a program type to view estimated outcomes. Results vary — this is an informational projection only.

$35,000
Original Debt
$35,000
Est. You'd Pay
$15,750
Est. Savings
$19,250

*Settlement projection: based on a 45% average settlement rate from historical data. Actual results vary significantly by creditor, balance, and circumstances. Program fees are not included. This is not a guarantee.

Personal Assessment

During your free evaluation, a specialist reviews your accounts, income, and goals to recommend the best-fit program — not a one-size-fits-all solution.

Transparent Pricing

All fees are disclosed before you enroll. For settlement programs, fees are performance-based — we don't charge until a result is delivered and you've approved it.

Clear Timeline

You'll receive a good-faith estimate of your program duration and expected outcomes so you can make an informed decision before committing.

Get Your Free Evaluation

How It Works

Three steps from your first call to a personalized debt relief plan.

1

Free Consultation

Call or submit the form. A certified specialist reviews your debts, income, and budget to understand your full picture — at no cost.

2

Personalized Plan

Based on your situation, we recommend the best-fit option: consolidation, settlement, management plan, or other strategies. You decide what's right.

3

Ongoing Support

Once enrolled, your dedicated team manages your program — negotiating with creditors, tracking progress, and keeping you informed every step.

Professional financial consultation

Working with the Creditors You Owe

Our team communicates directly with creditor departments to negotiate better terms — whether that's a reduced balance, lower interest rate, or restructured payment plan. We work with accounts from all major issuers.

What Our Clients Say

Real experiences from real clients who completed a debt relief program with us.

"I had $42,000 across five credit cards. They recommended a settlement program and walked me through every offer before I approved anything. Completed the program in 28 months."

M
Maria S.
Texas · Completed 2025

"I enrolled in a debt management plan. My interest rates were reduced significantly and I now have one fixed monthly payment. It took discipline, but I'm on track to be debt-free in 2027."

R
Robert L.
California · Enrolled 2024

"They helped me consolidate $28K into one payment. The process was clearly explained, including how it would impact my credit. No surprises. Highly recommend calling them."

D
Denise K.
Ohio · Completed 2025

Client testimonials reflect individual experiences and are not a guarantee of future results. Program type, savings, duration, fees, and credit impact vary by individual. Testimonials collected with consent and may be edited for length.

Prefer to text? Send HELP to 1-800-332-8477 for a free debt evaluation by text.

Frequently Asked Questions

Answers to the most common questions about debt consolidation, settlement, and management plans.

What's the difference between consolidation, settlement, and a management plan?
Consolidation combines multiple debts into one loan or payment, often at a lower interest rate — you still repay the full balance. Settlement negotiates with creditors to accept less than what you owe — it can reduce your total balance but may impact credit. Management plans work with creditors to lower interest rates and fees while you repay the full balance over a structured timeline. Each has trade-offs, and the best fit depends on your situation.
How will this affect my credit score?
It depends on the program. Consolidation through a new loan may cause a temporary dip from the hard inquiry but can improve your score over time if you make on-time payments. Settlement typically causes a significant decrease because you stop making payments to creditors during the negotiation period. Management plans may show a note on your credit report but impact is generally less severe. We disclose the expected credit impact for your specific program before you enroll.
Can I be sued by creditors?
In settlement programs where you stop making payments, creditors retain the right to pursue collection activity, including lawsuits. While uncommon, it is a possibility. In consolidation and management plans, you continue making payments, so lawsuit risk is minimal. We recommend consulting with a licensed attorney for legal questions specific to your situation.
What are the fees?
Fee structures vary by program type. Settlement fees are performance-based — charged as a percentage of enrolled debt only after a successful settlement you've approved. Management plans typically involve a small monthly fee. Consolidation loans may include origination fees or closing costs. All fees are fully disclosed in your agreement before you enroll. We charge zero upfront fees for any program.
How long does the program take?
Timelines vary. Settlement programs typically run 24–48 months. Management plans usually span 36–60 months. Consolidation loans follow the term of the loan, often 36–60 months. Your specialist will provide a good-faith estimate based on your specific debts and financial situation.
Will I owe taxes on forgiven debt?
In settlement programs, the IRS generally considers forgiven debt of $600 or more as taxable income (reported on Form 1099-C). Many individuals qualify for the IRS "Insolvency Exclusion," which may reduce or eliminate this liability. This does not apply to consolidation or management plans since the full balance is repaid. Consult a tax professional for your specific situation.
What types of debt qualify?
We typically work with unsecured debts: credit cards, medical bills, personal loans, private student loans, and collections. Secured debts (mortgages, auto loans) and federal student loans generally require different programs. We evaluate your full debt picture during the free consultation and recommend the appropriate path for each account.
Can I handle this on my own?
Yes. You can negotiate with creditors, apply for consolidation loans, or enroll in nonprofit credit counseling on your own. The FTC provides consumer guidance at consumer.ftc.gov. Professional services may provide convenience, negotiation experience, and established creditor relationships — but they are never required.

Important Disclosures — Please Read Before Enrolling

  • Credit Impact: Depending on the program, your credit score and creditworthiness may be negatively affected. Settlement programs require you to stop making payments, resulting in late payment reporting, potential charge-offs, and a lower credit score. Consolidation and management plans may also have varying credit impacts.
  • Collection Activity & Lawsuits: In settlement programs, because you stop making payments, creditors may continue collection efforts including phone calls, letters, and lawsuits. Your total balance may increase due to late fees, penalties, and accruing interest during the negotiation period.
  • Savings Requirement (Settlement): Settlement programs require monthly deposits into a dedicated, FDIC-insured account. Settlement offers are made once sufficient funds accumulate. The required savings amount will be disclosed in your agreement.
  • Program Duration: Settlement programs typically take 24–48 months. Management plans typically take 36–60 months. Consolidation loan terms vary. Actual duration depends on your debts, creditor cooperation, and payment consistency.
  • Fees: All fees are disclosed before enrollment. Settlement fees are performance-based and charged only after a successful settlement you've approved. Management plans may include monthly administrative fees. Consolidation loans may include origination fees. No program charges upfront fees.
  • Tax Implications: Forgiven debt of $600+ (in settlement programs) may be reported to the IRS as taxable income. Consult a tax professional.
  • No Guarantee of Results: We cannot guarantee that any creditor will agree to settle, reduce interest rates, or modify terms. Results vary significantly by individual circumstances and creditor policies.
  • Not a Law Firm or Government Agency: Federal Debt Help is not a law firm, does not provide legal advice, and is not affiliated with any government agency. For legal advice, consult a licensed attorney in your state.
  • Right to Cancel: You may cancel or withdraw from any program at any time without penalty. Funds in your dedicated account remain yours.

Ready to Explore Your Options?

Speak with a specialist for a free, no-obligation consultation. We'll review your situation and help you understand which path makes the most sense.

Get Free Evaluation 1-800-332-8477
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Debt Relief Specialist
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Hi! I can answer questions about our debt relief programs — consolidation, settlement, or management plans. How can I help?