Debt Relief That Helps You Pay Less Than You Owe

We negotiate directly with your creditors to reduce what you owe — so you can become debt free with one affordable monthly payment and no upfront fees.

Debt relief is a way to resolve unsecured debt — like credit cards, medical bills, and personal loans — for less than the full balance. Instead of paying minimums that barely move your balance, our team negotiates settlements with your creditors on your behalf.

You make one affordable monthly deposit into a dedicated account, and we use those funds to settle each debt as agreements are reached. There are no upfront fees, and a free consultation takes less than 2 minutes.

BBB A+
25,000+ clients helped
$500M+ in debt settled
No fees until your debt is settled

How it works

Four simple steps toward your financial freedom

1

Free consultation

Talk to a specialist about your debt and income, at no cost and no obligation.

2

Your personalized plan

We design a program with a monthly payment you can actually afford.

3

Account in your name

You deposit monthly into a dedicated, FDIC-insured account that you control.

4

We negotiate and settle

Once there are enough funds, we negotiate with your creditors to settle for less than you owe. You approve every agreement.

Program benefits

Lower monthly payment

No upfront fees — we only charge once we settle

Debt-free in 24–48 months

A real alternative to bankruptcy

One single payment, no more juggling bills

See how much you can save

Drag the slider to see your estimate

$20,000

$7,500$100,000

Estimated potential savings

$10,000

Approx. new monthly payment

$306

Estimated time

24–48 months

Estimate for illustrative purposes only. Results vary based on your situation and agreements with each creditor. This is not a guarantee or an offer of service.

What debts qualify

Yes, they qualify

  • Credit cards
  • Personal loans
  • Medical bills
  • Collections
  • Business debt

Do not qualify

  • Mortgage
  • Auto loans
  • Federal student loans
  • Taxes
  • Child support

Minimum debt to qualify: $7,500

Why trust Debt Free America

BBB A+

AADR

10 years of experience

Team of certified specialists

Performance-based fee

Frequently asked questions

Note: forgiven debt may be considered taxable income. Consult a tax professional.

Take the first step today. It's free and confidential.

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