Connect with the Right Debt Relief Program for Your Situation
Answer a few simple questions to see which debt relief options may be available to you. Your information is confidential and will be used to help connect you with appropriate program providers.
Find Debt Relief Options That May Fit Your Situation
Answer a few questions about your debt and location. Your information will be reviewed to help connect you with debt relief programs that may be available to you.
Your information is confidential. Completing this form does not guarantee approval or enrollment in any debt relief program.
Credit Card Debt Relief
Learn about programs that may help consumers manage qualifying credit card debt.
Debt Consolidation
Explore options for combining multiple debts into a more manageable repayment structure.
Debt Settlement
Learn about programs that may help eligible consumers address certain unsecured debts.
Understanding Your Credit Card Debt Options
High-interest credit card balances can make it difficult to make progress. Depending on your situation, different debt relief programs may be available. Learn about your options and connect with a provider that may be able to assist.
- Explore potential repayment options
- Understand how different programs work
- Find out which programs may fit your situation
Explore Tax Debt Relief Options
Unpaid tax balances grow through penalties and interest, and collection notices escalate over time. Established IRS resolution paths include installment agreements, penalty relief and Offers in Compromise.
If you’re dealing with back taxes, penalties or IRS collection notices, specialized tax resolution providers may offer different options depending on your situation.
DebtNegate does not provide tax or legal advice. Tax Services are not available in PA and PR.
Three Steps From Overwhelmed to a Plan
1. Tell Us About Your Situation
Complete a short form with basic information about your debt and location.
2. Explore Available Options
Your information may be used to identify debt relief programs or providers that may be relevant to your situation.
3. Connect With a Provider
If an appropriate option is available, you may be connected with a participating debt relief company for more information.
A Simple Way to Explore Your Options
Simple Online Form
Multiple Debt Relief Options
Confidential Information
Connections With Program Providers
Questions People Ask First
General information only — not legal or tax advice.
Debt relief refers to programs or strategies that may help eligible consumers manage or resolve certain types of debt. Depending on your situation, available options may include debt consolidation, debt settlement, credit counseling, or other programs.
Debt consolidation combines multiple debts into one payment or account, which may make your monthly finances easier to manage. Depending on the option, you may be able to simplify payments or potentially reduce interest costs. The debt still needs to be repaid.
Debt settlement is a type of debt relief program in which a provider may negotiate with creditors to resolve eligible debts for less than the amount originally owed. Results and eligibility vary, and these programs can have an impact on your credit and financial situation.
Eligibility depends on several factors, including the type and amount of debt you have, your financial situation, income, and state of residence. Completing the form allows you to provide basic information that may help determine which options could be available to you.
It can. The impact depends on the type of debt relief program and your individual circumstances. Some programs may have a negative effect on your credit in the short term, so it’s important to understand the potential benefits and risks before enrolling.
After you submit your information, it may be reviewed to determine whether you may match with available debt relief options. If an appropriate option is available, you may be connected with a debt relief provider who can explain the program, eligibility requirements, costs, and terms.
You may be contacted by a debt relief provider if your information matches an available program. Any provider you are connected with should explain its services, fees, requirements, and terms before you decide whether to move forward.
Yes. There is no charge to submit the initial form. However, if you are connected with a debt relief provider and choose to enroll in a program, that provider may charge fees according to its terms and applicable regulations.
Explore Your Debt Relief Options
Take a few moments to provide some basic information about your situation. You may be connected with a debt relief provider that can explain the options available to you.
Your information is confidential. A minimum of $5,000 in debt is generally required to qualify. Not all services are available in all states.