Drowning in debt? Pay back less than you owe.
If you have $10,000 or more in credit card, medical, or other unsecured debt, you may qualify for a program that significantly reduces what you pay back. Checking takes about 60 seconds.
- 100% free evaluation — no fees, no obligation
- One low monthly program payment instead of many
- Could be debt-free in as little as 24-48 months
- No impact on your credit to check your options
Trusted by 50,000+ Americans nationwide
Free Debt Savings Estimate
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How It Works
Getting out of debt shouldn't be complicated. Three steps, and the first two are completely free.
Answer a few questions
Tell us about your debt, income, and situation. It takes about a minute and checking your options never affects your credit score.
Get matched with a specialist
We match you with a vetted debt relief provider licensed for your state. A certified specialist reviews your situation and explains your options — free.
Start your path to debt freedom
If you enroll, your provider negotiates with creditors to reduce what you owe while you make one affordable monthly program payment.
Is debt settlement right for you?
Debt settlement works best for people experiencing genuine financial hardship who are struggling to keep up with minimum payments. You may be a great fit if:
- You have $10,000 or more in unsecured debt (credit cards, personal loans, medical bills, collections)
- You're behind on payments — or about to fall behind
- You've experienced a hardship like job loss, medical bills, divorce, or reduced income
- You want to avoid bankruptcy and resolve your debt faster than minimum payments allow
People just like you found a way out
“I was juggling six credit cards and barely covering the minimums. After my free consultation, everything finally made sense. Two years later, I'm almost debt-free — I wish I had called sooner.”
“After a medical emergency put me $30,000 in the hole, I thought bankruptcy was my only option. My specialist walked me through a settlement plan with one payment I could actually afford.”
“The form took me about a minute on my phone. The specialist who called was patient, explained everything clearly, and there was zero pressure. It felt like someone was finally on my side.”
Illustrative experiences of consumers who enrolled in programs offered by our partner providers. Individual results vary.
Imagine life without the weight of debt
Every day, Americans just like you take the first step toward financial freedom. Collection calls stop being scary. One affordable payment replaces a stack of bills. And there's finally a date on the calendar when it's all behind you.
The hardest part is starting — and starting is free.
Start My Free Evaluation
Frequently Asked Questions
What is debt settlement?
Debt settlement (also called debt resolution) is a process where a provider negotiates with your creditors to accept less than the full balance owed on your unsecured debts. Instead of paying each creditor, you make one monthly deposit into a dedicated savings account, which is used to fund settlements as they're negotiated.
How much does the evaluation cost?
Nothing. Your evaluation and consultation are completely free, and there is no obligation to enroll in any program. Partner providers only charge fees if you enroll, and by law those fees can only be collected after a debt is successfully settled.
Will checking my options hurt my credit score?
No. Submitting our form does not involve a hard credit inquiry, so checking your options has no impact on your credit score. However, if you enroll in a debt settlement program, the program itself may negatively affect your credit while you complete it.
What kinds of debt qualify?
Unsecured debts such as credit cards, personal loans, medical bills, store cards, payday loans, and accounts in collections typically qualify. Secured debts (mortgages, auto loans), federal student loans, child support, and tax debt generally do not qualify for settlement programs.
How long does a program take?
Most people complete their program in 24 to 48 months, depending on how much debt is enrolled and how much they can afford to save each month. That's often significantly faster than making minimum payments.
Is GetDebtRelief.net a debt settlement company?
No. GetDebtRelief.net is a free matching service. We help you understand your options and connect you with vetted, licensed debt relief providers who serve your state. We may be compensated by those providers, which is how we keep the service free for you.
Ready to take control of your debt?
Your free, no-obligation debt evaluation takes about 60 seconds. No cost, no commitment, no impact on your credit.
Get My Free Evaluation*Debt reduction figures reflect results some clients of our partner providers have achieved on enrolled debt before fees and are not typical of every client. Individual results vary based on ability to save funds, creditor participation, and completion of the program. Programs may negatively impact credit and may involve tax consequences. Read and understand all program terms prior to enrollment. GetDebtRelief.net is a marketing lead generator and is not a debt settlement provider.