These short-term loans have become so popular that FICO is adding them to its credit scoring model….
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The Debt.com Difference
We don’t just get you out of debt. We help you understand your debt – so you never face it again.
Research with us
You wouldn’t buy a car or major appliance without doing your homework. Same goes for getting out of debt. Look for a company that’s been around for a while and has great reviews and an A-plus rating with the Better Business Bureau..
Tell us where it hurts
Everyone agrees: Debt sucks. We’ve spent the past decade helping people discover the joy of debt relief. Just answer a few questions, and very quickly, we’ll customize the perfect solution that fits your lifestyle. It’s painless and confidential.
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Debt.com only works with accredited professionals who follow our Code of Ethics – so you can trust you won’t get scammed. You’ll receive a FREE debt analysis that’s yours to keep. It’s in-depth and no-obligation.
Live debt free!
If you like what you hear, Debt.com gets you into a debt-relief program that shows you results almost immediately. The stress melts away – and it stays away, because Debt.com teaches you how to avoid debt in the future.
Helping people every day
Roux R.
$15,000
Roux R. in Minnesota just signed up and has already found debt relief – 13 hours ago
Nationwide coverage
50 States
We meet strict state and national requirements to get rid of your debt.
“I talk to many people who feel embarrassed about their debt. But it doesn’t mean you’ve failed. Getting help isn’t a sign of weakness. It’s a sign of strength. You can do this.”
Jermarus, Certified Debt Counselor – 3 years
“Seeing someone go from fear and uncertainty to confidence and control is why I do this work. We don’t judge. We empower. If you’re struggling with debt, know that you’re not alone. The hardest step is the first one.”
Micah, Certified Debt Counselor – 3 years
“If debt is keeping you up at night, I want you to know: You’re not alone. Every day, I work with people who feel overwhelmed. And every day, I see them take control and move forward.”
Noisex, Certified Debt Counselor – 1 year
“I had a client who told me they hadn’t slept well in months. A few weeks after we set up their debt relief plan, they called just to say, ‘I can breathe again!’ I felt as good as they did!”
Ervinton, Certified Debt Counselor – 2 years
See how it works
Compare your options in less than a minute
Getting out of debt isn’t one-size-fits-all. There are dozens of private and government programs, and each one works best under certain circumstances. See how those options might affect you.
Pros and Cons
Let Debt.com Help You Choose the Best Plan
Talk to a debt relief specialist to weigh your options.
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Assumptions & Disclaimers
Minimum Payments
Minimum payment calculation assumes an APR of 24% on your credit card debt and each monthly payment is 3% of total amount.
Debt Consolidation
Assumes a loan APR of 16.5% over a 5- year term.
Debt Management Program
Average Interest Rate in a DMP is 8%. Actual interest rates will vary by consumer and creditor.
A DMP might be able to reduce your interest rates and late fees allowing you to pay off your credit card debt quicker (since more payments are applied to your principal balances, saving you lots of money in the long run). To complete the program, you must make on-time payments each month. Late or missed payments may cause your program to be canceled and in that event, this estimate would not apply to you.
Debt Settlement
Rates and terms vary by consumer and creditor. Debt settlement may negatively impact your credit score.
*Debt settlement fees vary by program and state.
