Debt Harbor  ·  Debt relief options for unsecured debt No upfront fees · Checking costs nothing
Unsecured debt · $10,000 and up

You may be able to settle your debt for less than you owe.

Answer three questions. A licensed debt relief company reviews your accounts and tells you straight what your real options are.

  • No upfront fees at any point
  • One monthly amount, not six due dates
  • A real person calls, downsides included
See how it works
Your information stays private Takes about 60 seconds
Someone at home feeling the weight of their debt lift
No upfront feesPaid only after a debt settles
$10,000 or morein unsecured debt qualifies
Debt types that usually qualify
Straight answer first

There are three real paths out of this.

Most pages only show you the one they sell. Here are all three, so you can tell which one actually fits your situation.

Most common

Debt resolution

You stop paying the accounts and pay one monthly amount into your own account instead. A company negotiates with each creditor to settle for less than the full balance.

Best when you are behind, or headed there, on $10,000 or more.

Credit counseling

A nonprofit agency puts your cards on a management plan at a lower interest rate. You still repay the full balance, just cheaper and on a fixed schedule.

Best when you are current and the interest is the problem.

Bankruptcy

A legal filing that can wipe or restructure what you owe. It is the heaviest option and the longest one to live with, but for some people it is the honest answer.

Best when the debt is far beyond what any plan can reach.
Why people start here

One form, then a real conversation.

No upfront fees

By federal rule, a debt relief company cannot charge you before it settles a debt. If anyone asks for money first, walk away.

Nobody can charge you before a debt settles.

Licensed in your state

We only pass you to companies licensed and bonded where you live. Debt relief rules change by state and that matters.

Only companies licensed where you live.

One monthly amount

Instead of tracking six minimum payments and six due dates, you set aside one figure each month and the plan works from that.

One figure a month, not six due dates.

You approve every settlement

Nothing is agreed without you. Each offer comes back to you first and you decide whether to take it.

Nothing is agreed without your yes.

Collector calls handled

Once you enroll, calls can be routed to the company handling your file. You are not the one on the phone every evening.

Calls route to them, not to you.

We say when it is not for you

If your balance is too small, or a payment plan gets you there faster, you will be told that on the call.

Told plainly if it is the wrong fit.

What actually happens

Debt resolution, in plain language.

Creditors would rather collect part of a balance than none of it. A resolution program uses that, on purpose, on your behalf. Here is the honest shape of it, including the parts most pages leave out.

What it can do

Settle unsecured accounts for less than the full balance and finish in about two to four years instead of decades of minimums.

What it costs you

Your credit score drops while accounts go unpaid. Fees are a percentage of the enrolled debt. Forgiven balances can be taxable.

What it will not do

It does not touch mortgages, car loans or federal student loans, and no company can promise a creditor will settle or that you will not be sued.

A man at home on his couch working through his accounts on a laptop in warm afternoon light
Wherever you are right now

Not sure what your next step is?

One short call points you in the right direction. No pressure, and no push toward a program you do not need.

You just started missing payments

One or two late months, and the calls have begun. This is the point where you still have the most options open.

Talk it through →

You pay minimums and go nowhere

The balance barely moves month after month. A quick review shows what the interest is actually costing you.

See the numbers →

Accounts are already in collections

Charged off and sold on. Collectors often settle for a good deal less, and this is where a program does its clearest work.

Get started →
Placeholder, swap for real client quotes before launch

What people say after the first call.

These three cards are reserved for real, verified client quotes. Nothing here is a review yet.

Quote slot 1. Reserved for a verified client, in their own words, about the first call.

Client name · state · to be collected

Quote slot 2. Reserved for a verified client, about what changed once the plan started.

Client name · state · to be collected

Quote slot 3. Reserved for a verified client, about finishing the program.

Client name · state · to be collected
Before you ask

The honest answers.

What does it cost?
Nothing to check, and nothing upfront. Debt relief companies are paid a percentage of each enrolled debt, and only after that debt is settled and you have made a payment toward it. That is federal law, not a courtesy.
Will this hurt my credit?
Yes. Accounts go unpaid while settlements are negotiated, and that shows on your credit report. Most people who enter a program are already behind or heading there. Anyone who tells you your score will be fine is not being straight with you.
How long does it take?
Usually two to four years, depending on how much you owe and how much you can set aside each month. Individual accounts often settle much earlier than the end of the program.
Is this a loan?
No. Nobody lends you money and no new debt is created. You set money aside in an account you control, and settlements are paid from it.
Can a creditor still sue me?
Yes. A creditor keeps the right to sue on an unpaid account, and no company can promise otherwise. A good provider tells you this before you sign and explains how they handle it if it happens.
What debts do not qualify?
Secured debt stays out: mortgages, car loans, anything with collateral. Federal student loans and most tax debt are also outside these programs. What qualifies is unsecured debt like credit cards, personal loans, medical bills and collections.
Who actually calls me?
A licensed debt relief company in your state, not Debt Harbor. We match you to one and pass along what you told us so you do not repeat yourself. You are never obligated to enroll.
Before you decide

Three things nobody should hide from you.

If a company skips past these on the call, that tells you what kind of company it is.

Your credit takes a hit

Accounts go delinquent on purpose while settlements are worked out. Expect the score to fall before it recovers.

Fees are a percentage

Typically a share of each enrolled balance, charged only after that account settles. Get the exact number in writing.

Forgiven debt can be taxed

The IRS can treat a forgiven balance as income. Ask a tax professional what that means for your return.

Three questions is a smaller step than another year of this.

Answer them and a licensed company in your state calls you back with a real read on your accounts.

1You answer three questions
2A licensed provider reviews your accounts
3They tell you what fits, and what it costs
No upfront fees · No obligation · Checking costs nothing