Debt Resolution

Leave debt behind, so you can move forward

Get rid of your debt and free up your cash flow without a loan or great credit.

How much debt do you have?

$0

Dedicated to resolving your debt: 1

1 million+

Enrolled members

24-48 months

Average program

$18 billion+

Debt resolved

tbd

Debt Resolution

Leave debt behind, so you can move forward

How much debt do you have?

$0

Dedicated to resolving your debt: 1

1 million+

Enrolled members

24-48 months

Average program

$18 billion+

Debt resolved

Get rid of your debt and free up your cash flow without a loan or great credit.

How the resolution program works for you

icon-free-debt.svg

A free debt assessment

A personalized plan that works for you.

icon-more-cash-each-month.svg

More cash each month

Your one monthly payment could be lower than your current monthly minimums.

icon-debt-is-gone.svg

Your debt is done

Experts deal with your creditors for you. All you need to do is stick to your plan.

A clear path out of debt

Sometimes, all you need is a plan

Proven results, delivered by a team of experts

icon-fast-results.svg

Fast results

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

icon-program-guarantee.svg

Program guarantee

Your program is designed to help you succeed. Learn more

icon-personalized-service.svg

Personalized service

On the phone, or on your online dashboard, here for you.

Explore how much you could save with Achieve5

Here’s your estimated debt summary based on your credit card balance:
Current
Est. monthly payment
$750
$540
$53,000
$20,000
Your estimated savings could be $210/month
Don't Wait!
If you wait 3 months, you are estimated to pay $2,300 more in total debt, and $57 more each month to get rid of your debt.Explore debt solutions

Debt Resolution articles

View all debt resolution articles

What you should know

What is resolution through Achieve?

Resolution through Achieve 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.

Get help with credit cards, medical bills, personal loans, and many other types of unsecured debt.

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.

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.

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

EXPLORE YOUR OPTIONS

Pay debt fast with other debt solutions

icon-personal-card.svg

Personal Loans

Customize your loan2

  • $5,000-$50,000 fixed-rate loans

  • Flexible 2, 3, 4, or 5-year terms

  • Personalized rate discounts

  • icon-product-cards-heloc.svg

    Home equity loans

    Pay debt with equity3

  • $15,000-$150,000 fixed-rate loans

  • Flexible 10 or 15-year terms

  • Guaranteed savings for debt consolidation

  • icon-product-cards-personal-loans.svg

    Find your fit

    Explore your best solution

  • Find a solution to fit your budget

  • Pay down debt in 2-15 years

  • Resolve or pay debt on your terms

  • At Achieve, it’s not what we stand for, it’s who.

    Achieve customer - Woman smiling about the personal service they received

    Daily progress toward your debt-free goals

    See where your money’s going, make a smarter debt payoff plan, and get debt-free faster with the free Achieve GOOD™ app.

    Achieve Logomark

    Achieve is the leader in digital personal finance, built to help everyday people move forward on the path to a better financial future.

    Footer Trust Pilot Marker

    TrustScore 4.8/5

    Footer BBB Marker

    .

     

    1. Resolution is available through our affiliate Achieve Resolution (NMLS ID # 1248929). 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. 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.

    2. 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 or Pathward®, N.A., Equal Housing Lenders and may not be available in all states. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, credit usage and history. Loans are not available to residents of all states. Minimum loan amounts vary due to state specific legal restrictions. Loan amounts generally range from $5,000 to $50,000, vary by state and are offered based on meeting underwriting conditions and loan purpose. APRs range from 8.99 to 35.99% and include applicable origination fees that vary from 1.99% to 6.99%. The origination fee is deducted from the loan proceeds. 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. Statistics reflect the results of the members we have served as of Jun 2024.

    3. Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Lender. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Home loans 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 $150,000 and are assigned based on debt to income and loan to value. Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. Minimum 640 credit score applies to debt consolidation requests, minimum 670 applies to cash out requests. Other conditions apply. Fixed rate APRs range from 9.75% - 15.00% and are assigned based on credit worthiness, combined loan to value, lien position and automatic payment enrollment (autopay enrollment is not a condition of loan approval). 10 and 15 year terms available. Both terms have a 5 year 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 generally include origination (2.5% of line amount minus fees) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan to value may not exceed 80%, including the new loan request. Property insurance is required as a condition of the loan and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral and could lose your home if you fail to repay. Contact Achieve Loans for further details.

      Affiliated Business Arrangement Disclosure: Achieve.com (NMLS #138464), is a wholly owned subsidiary of Achieve Company. Achieve Company also owns 99% of Achieve Loans. Because of this relationship, your referral to Achieve Loans may provide Achieve.com a financial or other benefit. Where permitted by applicable state law, Achieve Loans charges: 1) an origination fee of 2.50%, and 2) an underwriting fee of $725. You are NOT required to use Achieve Loans for a home equity line of credit. Please click here for the full Affiliated Business Arrangement disclosure form.

    4. Actual member. Member’s endorsement is a paid testimonial. Individual results are not typical and will vary.

    5. Information provided in this graph is for informational purposes only and the Achieve option does not constitute an offer for debt resolution or any other product. The “Achieve” curve and corresponding program terms (estimated monthly deposit, cost, and length) are based on the median offer of debt resolution offers during the preceding 90-day period for the amount of credit card debt you have entered. Any actual terms will vary and this product is not available in all states.

      The “Current” curve and corresponding estimated monthly payment, debt cost, time to pay off, and savings amounts displayed are based on assumptions from the credit card debt amount you provided and do not include any other debts that you could have, such as a mortgage, auto loan, personal loan, etc. These estimates and assumptions are based on our prior experience and publicly available information on interest rates, charges, and minimum payment requirements for consumer debt. This includes an assumption that finance charges accrue at rates ranging from 0% to 29.99% (22.16% for current credit cards and 29.99% for delinquent credit cards)Actual rates, charges, fees and minimum payment requirements may be higher or lower if any loan offer is provided. Actual estimates could also vary based on receipt of military benefits (SCRA and/or MLA).These assumptions also do not consider any other additional charges, rebates, refunds, payments or reductions of your debt.

      The “Current” curve also assumes the payment of the estimated current total minimum monthly payment. The estimated total minimum monthly payment, which is the total payment due to your creditors each month for your credit card debt, is an assumption based on the credit card balance you have provided, the assumed finance charge discussed above, and a principal pay down percentage based on publicly available information. This payment strategy applies the minimum monthly payment as a fixed amount until the balance has been paid in full. This is a fixed monthly payment amount which may differ from the actual required minimum payments on your credit card debt over time.

      Time to pay down your debts is the total estimated number of months it would take for you to pay your debts in full if you pay the estimated total minimum monthly payment due to your creditors each month.

      The “If you wait” curve and corresponding estimates are based on the same assumptions as the “Current” curve, but include an additional projected amount of credit card debt you may incur over the next three months. This projection of increased credit card indebtedness is based on the median amount of increased debt incurred as observed in actual consumer data for the amount of credit card debt you entered above over a three month period. Your actual debt amount could increase or decrease over time.

    © 2024 Achieve.com. All rights reserved. NMLS #138464