DEBT RESOLUTION

Resolve your debt—and relax

How much debt do you owe?1

$50,000

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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

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Reduce what you owe

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

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Get rid of debt faster

Leave debt behind faster — 24-48 months on average to resolve debt2

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Free up cash each month

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

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We negotiate for you

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

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Good credit not required

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

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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:
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

EXPLORE DEBT RESOLUTION

Leave debt behind and move forward

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DEBT RESOLUTION MEMBER STORIES

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

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Fast results

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

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Program guarantee

Your program is designed to help you succeed. Learn more

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Personalized service

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

DEBT RESOLUTION BASICS

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.

Debt Resolution articles

View all debt resolution articles

EXPLORE YOUR OPTIONS

Pay debt fast with other debt solutions

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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 2-5 years

  • Resolve or pay debt on your terms

  • A clear plan out of debt
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    Achieve is the leader in digital personal finance, built to help everyday people move forward on the path to a better financial future.

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    1. 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. 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.

    2. Statistics reflect the results of the members we and our affiliates have served since 2002 (as of Jun 2024).

    3. 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.

    4. 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. $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.

    5. 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.

      Affiliated Business Arrangement Disclosure: Achieve.com (NMLS #138464) and Achieve Loans are both wholly owned subsidiaries of Achieve Company. 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 3.50%, 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.

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