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Tell us about your debt and a specialist will explain the options that fit, from lower-interest consolidation to debt management and settlement. Free, no pressure, and no effect on your credit to ask.
Free, no-obligation
Tell us a little about your debt. A debt specialist will walk you through the options that fit, at no cost.
A specialist from one of our partners (for example a debt relief, credit counseling or lending company) will contact you by phone, text or email to talk through your situation. They may ask about your income, your monthly payments and the types of debt you have, so they can tell you which programs you might qualify for and what each would cost.
Yes. Asking about your options is free. If you choose a program, its fees are explained to you before you sign anything. Under federal rules, debt settlement companies that sell by phone cannot charge fees before they settle a debt.
No. Submitting this form does not affect your credit score. Some programs may later ask permission to check your credit, and some options, such as debt settlement, can lower your score. Our debt relief guide explains the trade-offs.
No. Freedom Over Debt is an independent educational site. We connect readers who ask for help with partners and may be paid when we do. Here is how we make money.
Be wary of anyone who guarantees results, asks for large fees up front, or tells you to stop talking to your creditors. Our guide to choosing a debt relief option covers the red flags.