Debt Relief That Fits Your Life
Falling behind on bills does not make you irresponsible. It makes you human.
Job loss, medical emergencies, rising prices, divorce, or a business setback can push anyone past the point where minimum payments work. You do not have to figure this out alone.
We have helped more than 200,000 people find a way forward. Our certified debt specialists look at your debts, your income, and your goals, then recommend the option that fits your situation.
Get Your Free Debt Evaluation
No obligation. No pressure. Just straight answers.
Or call 855-926-2174
People helped find a path forward
$1 Billion+
Debt settled by experienced negotiators
FREE
Evaluation – no obligation, no pressure
What Is Debt Relief?
Debt relief is any strategy that reduces what you owe, lowers your payments, or gives you a structured way to pay off debt you cannot manage on your own. The right approach depends on how much you owe, what kind of debt it is, your income, and your credit.
The most common paths are debt settlement (negotiating balances down), debt consolidation (combining debts into one payment, ideally at a lower rate), debt management plans (lower rates through a nonprofit credit counselor), and bankruptcy (a legal process for debt that cannot realistically be repaid).
Each has trade-offs. Our job is to explain them plainly and help you choose.
How Our Debt Relief Process Works
1. Free Evaluation
A certified specialist reviews your debts, income, and expenses. There is no cost and no obligation.
2. Honest Recommendation
We explain which options are realistic, what each would cost, and the downsides. If we are not the right fit, we will tell you.
3. Personalized Plan
Your plan is built around your budget, your debt levels, and what you can afford each month.
4. Ongoing Support
We stay with you through the process — negotiating with creditors or managing a new payment structure.
5. Clear Finish Line
You will know what done looks like and roughly how long it will take.
What Debts Can We Help With?
Commonly Eligible — Unsecured Debt
- Credit card debt
- Department store and retail cards
- Medical bills
- Personal and unsecured loans
- Payday and online loans
- Accounts in collections
- Merchant and business debt
- Utility bills
Generally Not Eligible
- Mortgages and auto loans (secured debts)
- Federal student loans
- Taxes
- Child Support
Signs You May Need Debt Relief
- You are making only minimum payments and balances are not shrinking
- You are using credit cards to cover essentials or other bills
- You are borrowing from one card to pay another
- Collectors are calling or sending letters
- Your monthly debt payments take up more than about 40% of your income
- You are skipping necessities like medical care to keep up with payments
- You are making only minimum payments and balances are not shrinking
If several of these sound familiar, a free evaluation is a good next step. The longer debt goes unaddressed, the more interest, late fees, and collection activity can add to it.
Your Debt Relief Options
Debt Settlement
Negotiating with creditors to accept less than the full balance. For significant unsecured debt when struggling or behind. See how settlement works
Debt Consolidation
Combining multiple debts into one payment, ideally at a lower rate. Best when current on payments with qualifying credit. See how consolidation works
Debt Management Plan
A nonprofit credit counselor negotiates lower interest and combines payments. Repay the full balance, usually over three to five years. Learn about DMPs
Bankruptcy
A legal process that can discharge or restructure debt. It stays on your credit report for seven to ten years — worth a conversation with a bankruptcy attorney.
Doing Nothing
An option, but rarely a cheap one. Interest, fees, collection lawsuits, and wage garnishment can make the problem bigger.
Debt Settlement
For many people who are already behind or cannot keep up with minimum payments, debt settlement can reduce what they owe and shorten the road to being debt-free.
How it works
- You make one monthly deposit into a dedicated savings account that you own and control
- As funds build, negotiators contact your creditors to settle accounts for less than the full balance
- You approve every settlement before it is paid
- Fees are collected only after a debt is settled and you have made a payment toward it
What to know
Debt Consoliation
If you are managing your payments but want a lower rate and a simpler routine, consolidation may be the smarter move.
How it works
- A new loan or balance transfer pays off your existing credit accounts
- You make one monthly payment, ideally at a lower interest rate
- You pay off the full balance over a set term
What to know
- You generally need decent credit and stable income to qualify
- Consolidation does not reduce what you owe — it changes how you pay it
- Watch for origination fees, transfer fees, and expiring promotional rates
Settlement or consolidation? If you are current and qualify for a lower rate, consolidation may be enough. If you are falling behind, settlement may deserve a closer look. A free evaluation will tell you which applies to you.
How to Spot a Debt Relief Scam
The industry has bad actors. Be cautious of any company that:
- Charges fees before settling or resolving any debt
- Guarantees it can eliminate your debt or promises specific results
- Tells you to stop paying creditors without explaining the risks
- Pressures you to sign immediately
- Will not put fees, timelines, and risks in writing
A reputable company explains the downsides as clearly as the benefits.
American Consumer Solutions
Experienced Negotiators
Over $1 billion in settled debt.
Options, Not One Size Fits All
We evaluate every path, not just the one we offer.
Personalized Plans
Built around your income, your debts, and your budget.
Transparent Costs
You see fees in writing before you commit.
Respectful Support
You are taking a hard step. We treat you accordingly.
Frequently Asked Questions
What is debt relief?
Debt relief is any strategy that reduces your debt, lowers your payments, or gives you a structured way to pay it off. Common forms include debt settlement, debt consolidation, debt management plans, and bankruptcy.
Which debt relief option is best for me?
It depends on how much you owe, whether you are current or behind, your income, and your credit. Our free evaluation walks through your situation and compares your realistic options.
Will debt relief hurt my credit?
It depends on the option. Consolidation can help your score with on-time payments, though the initial credit check may cause a small dip. Settlement usually lowers your score during the program. Many people find their credit recovers after the debt is resolved.
How much can I save?
Savings depend on the option and your accounts. Consolidation saves through lower interest. Settlement may reduce the balance itself, but results vary and cannot be guaranteed.
How long does it take?
Settlement programs commonly run about two to four years. Consolidation loans typically run three to five years.
Will the collection calls stop?
Once we represent you, we work to redirect creditor communication to our team. We cannot promise every call will stop, but many clients notice real relief.
Can I be sued while in a program?
It is possible, especially in settlement, where accounts may go unpaid for a period. If you are served, contact us right away.
Do I owe taxes on forgiven debt?
Possibly. Forgiven debt of $600 or more is generally reportable to the IRS. Exclusions such as insolvency may apply. Consult a tax professional.
Is my money safe?
Settlement program funds are held in a dedicated account in your name at an FDIC-insured bank, and you can withdraw at any time.
Does it cost anything to get started?
No. The evaluation is free and carries no obligation.
Take the First Step Toward Financial Freedom
Every day you wait, interest and fees keep adding up. Talk to a certified debt specialist and see where you stand.