Free Estimate
Trusted by 50,000+ Clients

Reduce Your Debt by Up to 50%

Stop struggling with minimum payments. Our certified debt specialists negotiate directly with your creditors to settle your debt for less — and get you debt-free in 24–48 months.

  • No upfront fees — you pay only when we settle
  • Covers credit cards, medical bills & personal loans
  • Free, no-obligation consultation
Calculate My Savings

Takes less than 60 seconds. No credit check required.

$18,500
Average debt resolved
48%
Average savings on enrolled debt
36 mo
Average program length

How Debt Settlement Works

A simple 3-step process to becoming debt-free

Step 1

Free Consultation

Speak with a certified debt specialist who reviews your situation at no cost and with no obligation.

Step 2

We Negotiate

We contact your creditors and negotiate settlements, often reducing what you owe by 40–60%.

Step 3

You're Debt-Free

Make one affordable monthly deposit. Once settled, you keep the savings and rebuild your financial life.

See How Much You Could Save

Enter your total unsecured debt and preferred program length to get a free instant estimate. No personal info needed.

Credit Cards
Medical Bills
Personal Loans
Store Cards
256-bit SSL Secured
No Credit Check
No Upfront Fees

Settlement Estimator

Estimated Settlement
$0
You Could Save
$0
New Monthly Deposit
$0/mo

Estimates based on a 50% settlement and 20% program fee. Actual results vary by creditor and circumstances.

View Top Debt Relief Programs

Top Debt Settlement Programs

Compare America's most trusted debt relief providers — verified, accredited, and fee-transparent

#
Company
Key Benefits
Best For
Get Started
BEST
4.8 / 5
AFCC Accredited
  • Settle for as low as 40% of balance
  • Covers tax debt & IRS negotiation
  • Programs from 24–48 months
  • No upfront fees, ever
Tax + Consumer Debt

Min. $5,000 enrolled debt

Get Free Quote

Free consultation. No obligation.

2
4.7 / 5
Attorney-Backed
  • Legal protection from creditor lawsuits
  • Licensed attorneys handle negotiations
  • Avg. 50% debt reduction
  • Free case evaluation in 24h
Legal Protection

Min. $10,000 enrolled debt

Get Free Quote

Free consultation. No obligation.

3
4.5 / 5
NFCC Member
  • Free matching to the right program
  • Settlement, consolidation & counseling
  • BBB A+ rated service
  • Available in all 50 states
All-in-One Platform

Any debt amount welcome

Get Free Quote

Free consultation. No obligation.

Why Choose Us?

We've helped tens of thousands of Americans escape the debt cycle

Accredited & Licensed

AFCC-accredited. Fully licensed debt relief company operating under strict state and federal regulations.

Performance-Based Fees

You pay nothing upfront. Our fee is only charged after we successfully negotiate a settlement on your behalf.

Proven Results

Clients who complete our program save an average of 48% on enrolled debt (before fees). Real numbers, real people.

Dedicated Support

Every client gets a dedicated account manager available Mon–Fri via phone, email, and live chat.

Secure & Confidential

Your information is 100% private. Bank-level SSL encryption protects every piece of data you share with us.

Fast Resolution

Most clients resolve their enrolled debts within 24–48 months — far faster than paying minimums alone.

Real Stories. Real Savings.

" Real Stories. Real Savings. "I had $34,000 in credit card debt and felt completely hopeless. NoMoreDebt settled it for $15,200. I cried when it was done.""

JS
Jessica S. Florida — Saved $18,800

""The process was smooth and my advisor kept me informed every step. 36 months later I'm completely debt-free and saving money.""

MR
Marcus R. Texas — Saved $12,400

""I was skeptical at first but they negotiated 3 credit cards down by 55%. The monthly payment was way less than my minimums.""

LP
Linda P. Ohio — Saved $9,300

Frequently Asked Questions

Who qualifies for debt settlement?

Generally, people with $7,500+ in unsecured debt (credit cards, personal loans, medical bills) who are experiencing a financial hardship such as job loss, divorce, or illness.

Will this hurt my credit score?

Debt settlement can initially impact your credit score. However, most clients find their score begins to recover within 12–18 months of completing the program.

How long does the program take?

Most clients complete the program in 24–48 months, depending on the total amount of enrolled debt and their monthly deposit amount.

What types of debt qualify?

We work with most unsecured debts including credit cards, store cards, personal loans, medical bills, and certain types of private student loans.

Are there upfront fees?

No. We never charge upfront fees. Our fee is only collected after a successful settlement has been reached and you've approved it in writing.

Is debt settlement legal?

Yes. Debt settlement is a federally regulated and legal alternative to bankruptcy. We operate in full compliance with the FTC's Telemarketing Sales Rule.

Ready to Start Your Debt-Free Journey?

Get your free, no-obligation consultation today.

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