Debt Care Support
EXPLORE YOUR DEBT RELIEF OPTIONS

A Clearer Path Towards a Debt-Free Future.

Understanding your debt relief options is the first step towards making informed financial decisions. Explore available solutions and find out what options may be right for your situation.

Explore Your Options How It Works
Understand Your Options
Educational Resources

Your financial journey

Explore Your Options

Knowledge Creates Possibilities

Learn about available debt relief approaches and make informed decisions.

Step 01

Understand

Learn about your options.

Step 02

Explore

Review possible solutions.

UNDERSTAND YOUR OPTIONS

Explore Different Paths Towards Debt Relief

Every financial situation is different. Understanding available debt relief approaches can help you evaluate which options may fit your circumstances.

Debt Settlement

Learn how creditors may agree to accept less than the full amount owed, and understand the costs and risks involved.

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Debt Consolidation

Explore how combining multiple debts into one loan or payment arrangement may help simplify repayment.

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Debt Refinancing

Discover how replacing existing debt with new financing may offer different interest rates or repayment terms.

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Credit Counseling

Understand how nonprofit credit counseling and financial guidance may help you manage outstanding debt.

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Debt Management

Discover how structured repayment plans and budgeting strategies may help you work towards paying off debt.

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Bankruptcy Guidance

Learn about Chapter 7 and Chapter 13 bankruptcy, eligibility considerations, the legal process and potential alternatives.

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Not sure which approach to explore first?

Explore Your Debt Options
Debt Settlement Illustration

Understand what a negotiated settlement could look like.

We help clients negotiate settlements with their creditors, and historically, those settlements have averaged around 40–50% of the enrolled balances.

That's the negotiated settlement amount, not your total program expense. Individual results vary, and we structure the program around a monthly savings deposit that works within your budget.

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Example calculation

Enrolled debt balance

$25,000

Illustrative negotiated settlement range

At 40% $10,000
At 50% $12,500

These figures illustrate the negotiated settlement amount only. They do not represent total program expenses, guaranteed savings or a settlement offer. Fees and other costs may apply.

Historical settlement results are not a guarantee of future outcomes. Actual results vary by creditor, account, circumstances and other factors.

A SIMPLE WAY FORWARD

How DebtCareSupport Works

Taking control of your financial future starts with understanding your options. Follow three simple steps to explore possible paths forward.

01

Understand Your Situation

Start by understanding your outstanding debt, monthly obligations and financial challenges. Knowing where you stand helps you evaluate the next steps.

Start with awareness
02

Explore Your Options

Learn about debt settlement, consolidation, refinancing, credit counseling and other approaches. Compare potential benefits, costs and risks.

Make informed comparisons
03

Connect With Providers

If you choose, submit an inquiry to explore connections with relevant debt relief providers. Review their services, eligibility requirements and terms before making a decision.

Explore available assistance

Your Next Step Starts With Understanding

Take time to explore your financial situation and learn about the approaches that may be available.

Explore Your Options
UNDERSTAND YOUR DEBT

Get a Clear Picture of Your Debt

Enter your estimated outstanding balances below to calculate your total unsecured debt. Understanding your numbers is a useful first step towards exploring your options.

Enter Your Debt Details

Use approximate balances if you do not know the exact amounts.

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$
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Enter balances in US dollars. This calculator covers estimated unsecured debt only.

Your Debt Overview

Estimated Total Debt

Based on the balances you entered.

Your estimated outstanding debt

$0
Updates automatically
Credit Cards $0
Personal Loans $0
Medical Bills $0
Other Unsecured Debt $0
Total $0
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No eligibility or savings determination is made by this calculator.

This calculator provides an estimate based solely on the amounts entered. It is for educational purposes and does not constitute financial, legal or credit advice. Secured debts such as mortgages and auto loans are excluded.

A More Informed Approach

Making Sense of Debt Relief Shouldn't Be Complicated

When debt becomes difficult to manage, understanding your options is an important first step. We help you learn about different approaches so you can make more informed decisions.

Understand Your Options

Learn how debt settlement, consolidation, credit counseling and other approaches work.

Consider Your Financial Situation

Review your debt balances and monthly obligations before exploring possible solutions.

Explore Provider Connections

If you choose, you may be connected with participating providers to learn about their services.

Explore Your Options

Financial Education

Start With Clarity

Step 01

Understand Your Debt

Review balances, payments and financial priorities.

Step 02

Learn About Solutions

Compare possible approaches and their trade-offs.

Step 03

Make an Informed Decision

Decide whether to explore a provider or another option.

Educational information only. Options, costs and outcomes vary depending on individual circumstances.

Learn & Understand

Knowledge for Better Financial Decisions

Explore educational guides about debt, repayment strategies, credit and the financial options available to consumers.

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Resources Coming Soon

We are preparing educational guides to help you understand debt and explore your financial options.

Visit Our Resource Center
Debt Relief FAQs

Frequently Asked Questions About Debt Relief

Get answers to common questions about debt relief options, debt settlement, consolidation, credit counseling and managing unsecured debt.

Several debt relief options may help consumers manage unsecured debt. These include debt settlement, debt consolidation, credit counseling, debt management plans and, in certain circumstances, bankruptcy. Each option works differently and has its own eligibility requirements, costs and potential consequences. The right approach depends on your financial situation, income, debt balances and ability to make payments.
A debt settlement program generally involves negotiating with creditors to resolve eligible debts for less than the full amount owed. Consumers may work with a debt settlement company or negotiate directly with creditors. Some programs involve stopping payments to creditors while saving money for potential settlements. This can lead to late fees, collection activity, lawsuits and damage to credit. Settlement is not guaranteed, and fees and other costs should be carefully reviewed.
Debt settlement and debt consolidation are different approaches to managing debt. Debt settlement involves negotiating with creditors to accept a reduced amount to resolve a debt. Debt consolidation combines multiple debts into one repayment arrangement, often through a new loan or balance transfer. Consolidation does not automatically reduce the principal balance, while settlement may involve significant credit and financial risks.
Debt settlement can negatively affect your credit score. Accounts may become delinquent if payments are stopped during negotiations. Late payments, collection accounts and settled debts can remain on your credit reports according to applicable reporting rules. The impact depends on your existing credit history, payment status and how creditors report the accounts.
Debt settlement fees vary by company and program. Fees may be calculated as a percentage of enrolled debt or based on another permitted fee arrangement. Ask about all program fees, account charges and other expenses before signing an agreement. For covered telemarketed debt relief services, federal rules restrict when a provider can collect certain fees.
A debt management plan is generally arranged through a credit counseling agency. It may combine payments toward eligible unsecured debts into one monthly payment to the agency, which distributes payments to creditors. Participating creditors may offer interest rate reductions or fee concessions. The plan normally requires consistent payments and may restrict the use of enrolled credit accounts.
Credit counseling may help people understand their financial situation, create a budget and evaluate debt repayment options. A credit counselor can explain debt management plans and other possible approaches. Review the agency's credentials, services and fees before choosing a provider.
Before selecting a debt relief company, research its business history, services, fees, complaints and regulatory status. Read the agreement carefully and understand the risks of the proposed program. Be cautious of companies that guarantee specific savings, promise to eliminate all debt or pressure you to stop communicating with creditors.
Several approaches may be available for credit card debt, including budgeting, direct repayment, balance transfers, consolidation, credit counseling and debt settlement. The appropriate option depends on your balances, interest rates, payment history, income and ability to meet monthly obligations. Not every option is available or suitable for every consumer.
Debt relief programs are not suitable for everyone. Some people may benefit from a structured repayment plan, while others may consider consolidation, counseling or legal options. Compare the total costs, potential credit impact, eligibility requirements and long-term consequences before making a decision.

Want to learn more about managing debt? Explore our debt relief guides.

Take the Next Step

A Better Understanding of Your Debt Starts Here

Every financial situation is different. Take a few minutes to review your debt situation and explore options that may be relevant to your circumstances.

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Educational information

DebtCareSupport is an independent educational and referral platform, not a lender, law firm or debt settlement company. Completing an assessment does not guarantee eligibility, debt reduction or any particular financial outcome.