DEBT RELIEF

Q: What is the difference between credit counseling, debt relief, and bankruptcy?

Credit counseling: Counselors can enroll you in a debt management plan that typically lowers your interest rates and puts you on a more affordable payment schedule. Debt relief: Involves convincing your creditors to accept less than you owe as payment in full. Bankruptcy: A court-ordered plan in which you either surrender assets or pay into a plan to discharge some or all of your debts.

Resolve your debt—and relax

How much debt do you owe?¹

$50,000

TrustScore 4.8 / 5

$20 Billion+

in debt resolved

1 Million+

members served since 2002

Get rid of your debt, get back to your life

Reduce what you owe

Pay less on your debt with help from our expert negotiators.

Get rid of debt faster

Leave debt behind faster — 24-48 months on average to debt relief²

Free up cash each month

Stop juggling multiple debts. Simplify them into one low program deposit.

We negotiate for you

Let our experts work with your creditors to reduce your debt.

Good credit not required

You don’t need a high credit score to get help with your debt.

Lower debt without a loan

Resolve your debt without a consolidation loan.

Save an estimated $210 on your monthly payment¹

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EXPLORE DEBT RELIEF

Leave debt behind and move forward

HOW DEBT RELIEF WORKS

A proven program to tackle debt

Our expert debt negotiators work with your creditors to reduce and resolve your debt in 24-48 months.

WHO DEBT RELIEF HELPS

Debt help when you need it most

If you're struggling with overwhelming debt or financial hardship and don't know who to turn to, the Achieve Debt Relief team is here to help.

WHY CHOOSE ACHIEVE DEBT RELIEF

Debt experts on your side

Our team of debt consultants, debt negotiators, and Member Services Representatives have served more than 1 million members over 20+ years.

HOW DEBT RELIEF WORKS

A proven program to tackle debt

Our expert debt negotiators work with your creditors to reduce and resolve your debt in 24-48 months.

WHO DEBT RELIEF HELPS

Debt help when you need it most

If you're struggling with overwhelming debt or financial hardship and don't know who to turn to, the Achieve Debt Relief team is here to help.

WHY CHOOSE ACHIEVE DEBT RELIEF

Debt experts on your side

Our team of debt consultants, debt negotiators, and Member Services Representatives have served more than 1 million members over 20+ years.

DEBT RELIEF MEMBER STORIES

There’s more to life than debt

Resolved debt $47k+ 🎉

"Once I got started in this program, I felt that I finally found a path to the end of my debt. I finally could see a light at the end of the tunnel.”

— Melissa N.*, Achieve member, debt relief

*Actual members. Members’ endorsement is a paid testimonial. Individual results are not typical and will vary.

"Graduating from the program was a very up moment in life. My debt was gone.”

— Kevin C.*, Achieve member, debt relief

*Actual members. Members’ endorsement is a paid testimonial. Individual results are not typical and will vary.

"Achieve was easy to work with. It makes you feel so good that you have someone out there that can help.”

— Wanda A.*, Achieve member, debt relief

*Actual members. Members’ endorsement is a paid testimonial. Individual results are not typical and will vary.

Proven results, delivered by a team of experts

Fast results

More than 60% of members get their first debt resolved within three months.

Program guarantee

Your program is designed to help you succeed. Learn more

Personalized service

Here for you 7 days/week via phone & 24/7 with your online dashboard.

DEBT RELIEF BASICS

How does Achieve Debt Relief work?

What is Achieve Debt Relief?

Achieve Debt Relief is a proven program where a team of experts work with creditors on your behalf to reduce the amount you owe. This allows you to pay off debts faster than making minimum monthly payments and keeps more money in your pocket.¹

Does the program affect my credit?

Depending on your existing credit score, you will likely see your credit score drop during the program. However, a key factor that drives a credit score is debt-to-income ratio. As your debts are resolved, your total debt should decrease, thereby improving your debt-to-income ratio.¹

What is the program guarantee?

The program guarantee means that if your total program cost and fees are more than the amount of debt you enroll, you can get a refund of the difference, up to 100% of collected fees. Limitations apply.¹

Debt Relief FAQs

What is the difference between credit counseling, debt relief, and bankruptcy?

Credit counseling: Counselors can enroll you in a debt management plan that typically lowers your interest rates and puts you on a more affordable payment schedule.
Debt relief: Involves convincing your creditors to accept less than you owe as payment in full.
Bankruptcy: A court-ordered plan in which you either surrender assets or pay into a plan to discharge some or all of your debts.

What is the program cost?

Program fees range between 15-25% of the amount of enrolled debt to be resolved. Rates may vary depending on your state of residence.

What types of debt can I resolve?

Achieve Debt Relief can help with unsecured debt (not backed by collateral like a car/house), including:

Debts we can help with

Credit cards
Medical bills
Most personal loans
Private student loans

Debts we can’t help with

Secured loans (HELOC, auto, etc.)
Utility bills
Tax debt
Federal student loans

What benefits can I expect from Achieve Debt Relief?

Achieve Debt Relief has various benefits in place to assure that members are placed at the center of everything we do, and that Achieve Debt Relief is the solution recommended only when it is truly the best fit for the member’s needs and circumstances.

These benefits are in place with the Achieve Debt Relief Promise, which has four components in total that help assure that:

You (the member) can make informed decisions, with a free debt evaluation
You will be set up for success, with a personalized financial assessment that includes cash flow analysis
You won’t be surprised, with clear terms and our commitment to transparency
You will get results, with the Program Guarantee* that states that if your total program settlement cost is more than the total amount of debt you enroll in our program, the Achieve Debt Relief program will refund you the difference, up to 100% of our collected fees.*

Another benefit is our partnership with a network of attorneys, the Legal Partner Network, that specializes in debt negotiation. The cost of the Legal Partner Network service is included in your program and will be available to you as long as you make all your deposits on time and in the full amount. For more information, please see question: “What do I do if my creditor takes legal actions?”

Lastly, Achieve Debt Relief provides complimentary tools and guidance to help customers succeed including an online dashboard for clients, with access 24/7 and the ability to chat with Member Services 7 days a week. In the dashboard, members can access various videos and articles to grow their financial skills.

*For purposes of this settlement fee refund, your “Achieve Debt Relief program settlement costs” are

(a) the total amount you paid to your creditors through your program

(b) the total settlement fees paid to us as described in Subsection 5.a. (excluding any other fees, costs or taxes you may incur).

In the event you charge, draw, or take advances on a debt after enrollment, that debt, and any program settlement costs associated with that debt, will not be considered for purposes of this settlement fee refund.

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EXPLORE YOUR OPTIONS

Pay debt fast with other debt solutions

Personal Loans

Customize your loan⁴

$5,000-$50,000 fixed-rate loans

Flexible 2, 3, 4, or 5-year terms

Personalized rate discounts

Home equity loans

Pay debt with equity⁵

$15,000-$150,000 fixed-rate loans

Flexible 10 or 15-year terms

Guaranteed savings for debt consolidation

Find your fit

Explore your best solution

Find a solution to fit your budget

Pay down debt in 2-5 years

Resolve or pay debt on your terms

DEBT RELIEF FOR LESS

A clear plan to get rid of debt

No upfront or membership fees
Reduce debt without a loan
Good credit score not required