Questions and answers
Are you a lender?
No. We don't make loans or credit decisions.
Are you a debt settlement company?
No. We refer people to independent providers and don't negotiate with creditors.
Do you charge me anything?
No. Partners may pay us when we refer you.
Will checking my options affect my credit?
Using our guides and option finder doesn't. A partner may check your credit if you apply, so ask them first.
Which debts can't be settled or consolidated?
Options vary, and some creditors and debts aren't eligible. Federal student loans and tax debts have their own programs.
Do you have an office in my city?
No. We work online and don't have local branches. Our location pages share local figures and general information.
How do I stop hearing from you?
Reply STOP to any text, ask us not to call, or use the privacy request page.