Debt Relief Programs Built Around What You Can Afford
Our debt relief program rolls your eligible debts into one manageable monthly payment while our negotiators work to reduce the total amount you owe.
A debt relief program is a structured path out of debt. After a free review of your balances, we design a plan with a single monthly deposit you can actually afford — no new loan required.
As funds build up, our team negotiates with each creditor to settle for less than the full balance. You stay in control, approve every settlement, and pay no fees until a debt is resolved.
How it works
Four simple steps toward your financial freedom
Free consultation
Talk to a specialist about your debt and income, at no cost and no obligation.
Your personalized plan
We design a program with a monthly payment you can actually afford.
Account in your name
You deposit monthly into a dedicated, FDIC-insured account that you control.
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
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.