Why we built this

Most people carrying debt only ever hear about one way out — whichever company they happened to call first.

Call a settlement company and you'll hear that settlement is the answer. Call a lender and you'll hear that consolidation is. Neither is lying, exactly. They're each describing the one product they sell.

The problem is that there are six legitimate paths out of unsecured debt, and which one fits depends entirely on your situation — how much you owe, whether you're current or behind, what your income looks like, and what state you live in. Two of those six paths cost you nothing. Those are the two that almost never come up on a sales call.

What this site actually does

We ask seven questions, then connect you with a licensed debt relief provider suited to your answers. That's it. We don't settle debt, negotiate with creditors, lend money, or collect payments. We never touch your money.

We're a marketing and referral service. If you enroll with a provider we introduce you to, that provider pays us. You pay us nothing, ever. We'd rather tell you that here than bury it in a footer, because how a company gets paid is the single most useful thing to know about it.

How providers get vetted

Not every debt relief company gets referred. The standard we hold partners to:

• Minimum five years in business
• 4.8-star rating or better
• A+ Better Business Bureau rating
• Properly licensed in the states where they operate

What we won't do

We won't promise you an outcome. Debt relief carries real risk — most options damage your credit, and programs that involve pausing payments can lead to creditor lawsuits. Any company that tells you otherwise is selling you something.

We also won't pressure you. There's no countdown timer on this site, no expiring offer, and no reason to decide anything on the first call. Take the time you need.