Resolve your debt—and relax

How much debt do you owe?1



TrustScore 4.8 / 5

$19 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 resolve debt2


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.

See how much you could save3

Select your total credit card debt balance to get your estimated debt plan:
Est. monthly payment
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


Leave debt behind and move forward



There’s more to life than debt

"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 resolution

*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 resolution

*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 resolution

*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.


How does Achieve Resolution work?

Achieve Resolution 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.

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.

Debt Resolution FAQs

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

While you could be eligible for different debt solutions, there are advantages to debt resolution that could help you reduce your debt and get out of debt faster than making minimum payments.

Credit counseling: Can help you learn to budget and stop overspending. Counselors can enroll you in a debt management plan where they typically lower your interest rates and set up a payment schedule, to simplify debt repayment and make it more affordable. Credit counselors control your (the consumer’s) money and when/how the money is distributed to the creditors.

Debt resolution: Means convincing your creditors to accept less than you owe as payment in full. They may be willing to do so if you cannot afford to repay the full amount. With debt resolution, and specifically Achieve Resolution, you (the member) approve all actions by Achieve Resolution - i.e. Achieve Resolution does not control your money and when/how the money is distributed to creditors — everything must be approved by you.

Bankruptcy: A court-ordered plan in which you either surrender assets or pay into a plan to discharge some or all of your debts.

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

Achieve Resolution 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

Achieve Resolution has various benefits in place to assure that members are placed at the center of everything we do, and that Achieve Resolution 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 Resolution Promise, which has four components in total that help assure that:

  1. You (the member) can make informed decisions, with a free debt evaluation

  2. You will be set up for success, with a personalized financial assessment that includes cash flow analysis

  3. You won’t be surprised, with clear terms and our commitment to transparency

  4. 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 Resolution 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 Resolution 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 Resolution 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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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

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    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

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    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

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    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.