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Debt Solutions

Enjoying life after debt is possible thanks to Achieve Resolution

Oct 27, 2023

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Written by

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Reviewed by

Achieve Resolution is a solution to overwhelming debt problems. If you have debt, even debt that’s too much for you to handle, you’re not alone. 

Debt is everywhere. It’s a burden that can keep you from living the life you want. Besides affecting your economic success, debt can affect your sleep, your relationships, and even your physical and mental health. 

When you're bogged down with debt, finding any kind of solution can feel impossible. It's easy to feel suffocated and spend sleepless nights stressing over how you'll keep up—much less ever pay it off. If you’re also dodging phone calls from debt collectors or avoiding outings with friends for fear of them finding out that you're struggling financially, it’s normal to feel low. Searching for options may leave you feeling desperate, confused, and even skeptical that a way out of your debt hole exists at all.

But there’s a solution. Imagine what it could feel like when your debts are gone.

Achieve Resolution could help you turn things around. 

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What is Achieve Resolution?

In a nutshell, Achieve Resolution is a proven program that’s designed to help people who are struggling because they can’t afford to fully repay their debts. It’s for everyday people who find themselves with a financial hardship that leaves them unable to repay credit card debts, medical bills, or other high-interest debts.

Achieve Resolution offers a solution for reducing unsecured debts when you're having difficulty keeping up with payments or have already fallen behind. 

The Achieve Resolution program may not be suitable for everyone, as everyone's debt situation is different. But it's something you might consider if you'd like to get closer to a debt-free life

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How Achieve Resolution works

Achieve Resolution works by helping you resolve your debt for less than you owe. Achieve's experts negotiate with your creditors on your behalf to reduce your debt, with a customized plan tailored to your needs and budget.  

How does that benefit you? Achieve Resolution could help you to:

  • Reduce the total amount you pay to your creditors. 

  • Free up cash each month by allowing you to make one affordable payment. 

  • Get rid of debt in two to four years, which may be faster than your current repayment pace. 

  • Reduce stress and take your financial life in a more positive direction. 

There are no upfront fees. You won’t be charged for services until Achieve successfully negotiates a debt, you agree to the terms, and the debt is paid at the agreed-upon amount. 

When you work with Achieve, you’ll talk to real people who genuinely care and want to help you—and who'll advocate on your behalf, from start to finish. 

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Who should consider Achieve Resolution

Achieve Resolution may be a good option for people who are ready to get rid of debt, but can’t afford to repay their debts in full. Achieve Resolution is a good alternative for people who don’t qualify for Chapter 7 bankruptcy and who don’t want to file for Chapter 13 bankruptcy. It’s also an ideal solution for someone who isn’t comfortable negotiating with creditors on their own—we have a team of debt experts who could do this for you. Since Achieve Resolution is a serious solution to big debt problems, people with less than $7,500 in debt might not be eligible. 

Achieve Resolution isn't a loan, and you don't need good credit to be eligible. What you will need is a commitment to stick to your customized debt resolution plan. 

Achieve aims to make that part as easy as possible, so that you're able to realize your goal of reducing debt. Once your first debt is resolved through the program, you might discover that regardless of how dark the tunnel has been so far, there's a light at the end of it. 

If you're ready to learn more about how Achieve Resolution might help you, schedule your free debt assessment today.

Author Information

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Written by

Rebecca is a senior contributing writer and debt expert. She's a Certified Educator in Personal Finance and a banking expert for Forbes Advisor. In addition to writing for online publications, Rebecca owns a personal finance website dedicated to teaching women how to take control of their money.

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Reviewed by

Kimberly is Achieve’s senior editor. She is a financial counselor accredited by the Association for Financial Counseling & Planning Education®, and a mortgage expert for The Motley Fool. She owns and manages a 350-writer content agency.

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Personal loans are available through our affiliate Achieve Personal Loans (NMLS ID #227977), originated by Cross River Bank, a New Jersey State Chartered Commercial Bank, Equal Housing Lender. Loan applications are subject to credit review, underwriting criteria, and approval. Loans are not available in all states and available loan terms/fees may vary by state. Loan amounts range from $5,000 to $50,000. For loans $35,000+ must have a minimum 660 credit score. APRs range from 8.99% to 29.99% and include applicable origination fees that vary from 1.99% to 6.99%. Repayment periods range from 24 to 60 months. Example loan: four-year $20,000 loan with an origination fee of 6.99%, a rate of 15.49%, and corresponding APR of 19.54%, would have an estimated monthly payment of $561.60 and a total cost of $26,956.80. To qualify for a 8.99% APR loan, a borrower will need excellent credit, a loan amount less than $12,000.00, and a term of 24 months. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to pay off qualifying existing debt directly; or showing proof of sufficient retirement savings, could help you also qualify for lower rates. Funding time periods are estimates and can vary for each loan request. Same day decisions assume a completed application with all required supporting documentation submitted early enough on a day that our offices are open. Achieve Personal Loans hours are Monday-Friday 6am-8pm MST, and Saturday-Sunday 7am-4pm MST. $6,000 savings: Average savings claim for personal loans are based on 2023 data for 2, 3, and 4-year terms on funded debt consolidation loans for $21,600. Savings will vary based on several factors, subject to credit approval and other conditions. Any savings will be reflected in the offer.

Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Lender. All loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 640 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.00% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Monthly savings claim is based on average monthly debt savings from originated loans for 2023. Monthly savings varies based on each loan situation and can be more or less than $800.

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Resolution is available through our affiliate Achieve Resolution (NMLS ID # 1248929). All estimates for Achieve Resolution’s services are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all Achieve Resolution clients are able to complete their program for various reasons, including their ability to save sufficient funds. Achieve Resolution does not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. Achieve Resolution does not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Achieve Resolution’s services are not available in all states, including New Jersey, and their fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of Achieve Resolution services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements Achieve Resolution obtained on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825.

This article is sponsored by Achieve. Paid advertisement, not a real member testimonial. Individual results will vary.

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