Disclosures

About debt relief programs

Results vary by individual. We do not guarantee that any debt will be settled or reduced by a specific amount.
Not all debts are eligible for enrollment, and not all clients complete their program.
Debt relief programs do not assume your debts or make monthly payments to creditors on your behalf.
Not paying creditors during a program can lower your credit score, and creditors may charge late fees, continue collection activity, or file lawsuits.
Forgiven debt may be considered taxable income. Consult a tax professional.
Fees are not charged until at least one debt has been settled and you have made at least one payment under that settlement.
Programs are not available in all states.

Calculator results are illustrations based on the assumptions below. They are not a quote, an offer, or a prediction of your results.

Debt relief program: creditors settle for about 53% of enrolled debt, plus program fees of about 25% of enrolled debt, over 24–60 months depending on the balance.
Consolidation loan: 17% APR, 60-month term, fixed payments. Your rate depends on your credit and the lender.
Minimum payments: 24% APR, minimum payment of 1% of the balance plus monthly interest (at least $25), and no new purchases.