What Debt Relief Costs
What debt settlement, consolidation, credit counseling, and bankruptcy actually cost, the fees, the interest, and what drives the price.
Debt Payoff Guide is a free service that helps you compare debt-relief options and connects you with third-party providers across the U.S. We are not a lender or law firm, tell us about your situation and we'll match you with programs that may fit.
Free·No obligation·Takes about a minute·Secure form
We help you find providers for all major types of unsecured debt
A calmer, clearer way to understand your options before you commit to anything.
Our matching service is free. Providers in our network pay us, you never do.
Settlement, consolidation, credit counseling, or bankruptcy, we lay out all of them, not just one.
By federal rule, settlement providers can't charge you until a debt is actually settled.
We connect you with providers that handle your debt type, balance, and state.
Compare your options and walk away any time. There's no obligation to enroll.
A nationwide network, with each state's rules and consumer protections in mind.
Straight answers on every path out of debt, what it costs, how it works, and how to choose. Then get matched with a provider, free.
What debt settlement, consolidation, credit counseling, and bankruptcy actually cost, the fees, the interest, and what drives the price.
Debt settlement, consolidation loans, debt management plans, and bankruptcy compared, how each works and who each one fits.
Options when your credit is already damaged, consolidating with bad credit, and how each kind of debt relief affects your score.
How to vet a debt-relief company: accreditation, the fee rules, the red flags, and the questions to ask before you ever enroll.
What actually happens when you enroll, the steps, the realistic timeline, and how each option shows up on your credit.
When you can budget or negotiate your own way out, and when a program or professional is genuinely worth the fee.
Options when you're behind, facing collections, or can't keep up, what to do first, and where 'emergency' claims are just marketing.
The signs debt has become unmanageable, and an honest look at whether getting out is realistic from where you are.
The full walkthrough: every option, what it costs, how it affects your credit, and how to choose, in plain language.
Plain-English answers to what people actually ask about getting out of debt, plus free calculators. See all guides · cost centre.
From credit cards to medical bills, we help you compare options and connect with a provider that handles your kind of debt.
Compare settlement, consolidation, and credit counseling, then get matched with a provider that handles your kind of debt.
Options get more complex when business and personal debt mix, we connect you with providers who handle both.
Debt Payoff Guide is a free service that helps you compare debt-relief options and connects you with third-party providers across the U.S. We are not a lender, law firm, or credit-counseling agency, and we never charge you.
Answer a few questions about what you owe and where you are, and we'll match you with providers that handle your kind of debt, so you can compare and choose with no pressure.
Share how much you owe, the kind of debt, and your state. It takes about a minute.
We connect you with third-party debt-relief providers that fit your situation and serve your state.
Talk it through, compare your options, and decide what's right. No cost, no obligation.
Debt Payoff Guide is free for consumers. We're paid by the providers we connect you with, so there's never a charge to you, and you're never obligated to enroll.
We connect people with debt-relief providers nationwide. Pick your state to see local rules and where to start.
(888) 555-0182Tell us what you owe, we'll match you with a provider, free and with no obligation.
No. We're a free matching service. We are not a lender, law firm, credit-counseling agency, or debt-settlement company, we connect you with third-party providers who do that work.
Nothing. Our service is free for consumers. The providers in our network pay us when we refer you, so you're never charged for the connection.
It depends on the option you choose. Debt settlement and missed payments can lower your score before it recovers; a consolidation loan or credit-counseling plan may have a smaller impact. We explain the trade-offs so you can decide.
Under the FTC's Telemarketing Sales Rule, companies that sell debt-relief services by phone can't collect fees until a debt is actually settled and you've made a payment. Be cautious of any company demanding money upfront.
No. If you want nonprofit credit counseling, look for a member of the National Foundation for Credit Counseling (NFCC). We can also connect you with counseling and other options so you can compare.
Call or request a callback, we'll help you understand your choices and get matched with a provider, free.
We connect people with debt-relief providers in all 50 states. Pick your state to see what's different where you live.