Leave your debt behind and move forward with a plan
Answer a few quick questions and The Debt Helper may connect you with a participating provider based on your situation. Free to check. No obligation.
See if debt help may be available
Answer a few quick questions. It usually takes less than 2 minutes.
How The Debt Helper works
Tell us about your situation. If your request matches available provider requirements, a participating specialist may contact you to discuss possible options.
Answer a few questions
Tell us about your debt amount, debt type, location and contact details.
We review your basic information
Your basic information may be reviewed against participating provider requirements.
A specialist may contact you
If matched, a participating provider may contact you. There is no obligation to proceed.
Different debt situations may require different help
Credit cards, personal loans, medical bills and collections are commonly reviewed by participating debt relief providers. Other debt types may require different solutions.
Built to keep the process simple
You answer one form. The Debt Helper uses your information to check whether a participating provider may be available for your situation.
What debt help may look like
Every situation is different, but many people want to understand what may change if they speak with a provider.
See what a program could look like for you
A rough estimate based on typical industry ranges. Not an offer, quote, or guarantee — a provider sets your actual terms.
A lower monthly payment doesn't always mean a lower total cost, and options are not available to everyone.
See if options may be availableEstimate only. The "minimums" figure assumes a typical minimum payment (about 1% of the balance plus interest) at the rate shown; the program figure uses typical debt settlement ranges (fees of about 15–25% of enrolled debt, programs of about 24–48 months, creditors often settling for around half of a balance). Programs charge fees, forgiven debt may be taxable, and settlement can affect your credit. Actual terms are set by a provider based on your situation, state, and creditors. This tool does not guarantee savings, approval, settlement, or any outcome.
What people often hope to improve
These are common goals — not promises about your outcome.
The Debt Helper does not promise any specific outcome. Participating providers determine whether options are available.
Examples of situations people may want help reviewing
These neutral examples describe common debt situations. They do not represent actual customers, available terms, or promised outcomes.
$24,000 in credit card debt
A person with several credit card balances may want help understanding which debt relief options could be available. A participating provider may review the debt type, amount, state, and other information and explain possible next steps. Availability and terms vary.
$38,000 in mixed unsecured debt
A person with credit cards, personal loans, and collection accounts may be unsure where to begin. A participating provider may review the information provided and explain whether any services may be relevant. No particular option or result is guaranteed.
$16,000 in medical bills and collections
A person with medical bills or collection accounts across multiple creditors may want information about possible support. A participating provider may explain what information is needed and whether options may be available based on the person’s circumstances.
Examples only. Provider availability, services, fees, timing, and outcomes vary by individual circumstances and provider requirements.
Questions people often ask
Is The Debt Helper a debt settlement company?
Does submitting the form guarantee debt reduction?
Will checking options affect my credit score?
Do I have to enroll?
Who may contact me?
Check if debt help may be available
Submit one request and see if participating providers may be available in your state.
Check My Options