Struggling with personal loans, medical bills, or payday debt? We connect you with vetted relief partners who compete to reduce your balance — often by 40–60%.
What We Help With
Our network of vetted partners specializes in negotiating and settling multiple types of unsecured personal debt.
Bank loans, credit union loans, and online lender debt — we help negotiate settlements or restructure payments.
Unexpected medical expenses can spiral quickly. Our partners negotiate directly with providers and collections agencies.
High-interest payday loans trap millions of Americans. We connect you with specialists who break the cycle.
Accounts in collections can be settled for significantly less than the original balance. Our partners handle the negotiation.
Overdue utility bills, subscription debt, and other unsecured obligations can often be resolved through our network.
Combine multiple payments into one lower monthly payment — simplify your finances and reduce your interest burden.
How It Works
Our process is simple, free, and puts you in control at every step.
Complete our quick 2-minute form. We'll ask about your debt type, total amount, and current financial situation. No credit check required.
We match you with up to 5 vetted debt relief specialists from our network of 300+ partners who compete for your case — driving better outcomes for you.
Compare offers, speak with specialists, and select the program that gets you debt-free fastest. You're never obligated to proceed.
Do You Qualify?
Most people with $7,500 or more in unsecured debt qualify for some form of relief program.
| Criteria | Typical Requirement |
|---|---|
| Minimum Debt Amount | $7,500 in unsecured debt |
| Debt Types | Personal loans, medical bills, payday loans, collections |
| Financial Hardship | Experiencing financial difficulty (not required for all programs) |
| Residency | U.S. resident (most states) |
| Credit Score | No minimum — all credit types considered |
| Cost to Apply | $0 — completely free to get matched |
FAQ
Debt settlement programs can temporarily impact your credit score. However, if you're already missing payments, your score is likely already being affected. Many clients find that resolving their debt and rebuilding is a better long-term path than continuing to struggle.
Most debt settlement programs take 24–48 months depending on the total amount of debt enrolled and your monthly program payment. Debt consolidation loans can be faster.
Yes — completely free. Releafly is a lead generation marketplace. We're compensated by our partner network when a match is made, not by you. You never pay Releafly anything.
Debt settlement involves negotiating with creditors to accept less than the full amount owed. Debt consolidation combines multiple debts into one loan, often at a lower interest rate. Our partners offer both — we'll match you with the right solution for your situation.
Get matched with vetted relief partners in minutes — free, no obligation.
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