Carrying high-interest credit card balances? We connect you with vetted partners who can reduce your balance, lower your interest rate, or consolidate multiple cards into one payment.
Your Options
Different situations call for different solutions. Our partners offer all three approaches.
Negotiate with creditors to accept a lump-sum payment for less than the full balance — often 40–60% of what you owe. Best for those experiencing financial hardship.
Combine all your credit card balances into one lower-interest personal loan. One payment, lower rate, faster payoff. Best for those with decent credit.
Work with a nonprofit credit counselor to negotiate lower interest rates and set up a structured repayment plan. No credit score impact from enrollment.
How It Works
Share your total credit card balance, number of cards, and current monthly payments. Takes 2 minutes — no credit check.
We match you with vetted credit card debt specialists from our network who compete to offer you the best solution for your situation.
Compare options, ask questions, and choose the program that fits your budget and timeline. No obligation to proceed.
FAQ
Most debt settlement programs require a minimum of $7,500 in unsecured credit card debt. Debt consolidation loans are available for smaller amounts. Debt management plans have no minimum.
Yes — most programs allow you to enroll multiple credit cards and unsecured debts into a single program with one monthly payment.
Once you're enrolled in a program and your accounts are in negotiation, most creditor calls stop. Your program specialist handles all creditor communications on your behalf.
Yes — completely free. We're compensated by our partner network, not by you. You never pay Releafly anything.
Get matched with credit card debt specialists — free, no obligation.
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