Why choose Achieve Resolution

We’re proud to have served 1 million+ members who trusted us to reduce their debt and help get their lives back.


Trustpilot star rating


debt experts to help you

4 Million+

debts resolved since 20021


Debt experts on your side


Industry certified

We’re a founding member of the American Association for Debt Resolution (AADR) & industry certified.


Negotiations handled for you

Our debt negotiators work with over 3,000 creditors to get you the best settlements possible.


Program guarantee

Your program is designed to help you succeed in reducing your debt. That’s why we offer our program guarantee.2


Smart technology

Over 20+ years, we’ve built our own proprietary technology to know which debts are best to settle first.


Expert team behind you

Our debt consultants, negotiators, and Member Services Reps are here for you along the way.


Access to legal support

The Legal Partner Network may provide added debt negotiation support if you need it.


Karie is a problem solver who puts the happiness of members like you as her No. 1 priority. Her Member Services team makes sure you get the caring support you deserve.

Peace of mind. That's Gus and his Settlements team's goal for you as they negotiate with creditors to get you the fastest and best deal on your debt.

Your hard work in the program pays off as Kristie and the Payment Ops team sends payments to your creditors. They’ll help you put debt behind you to live the life you want.

Focus on your life, not your debt

After feeling ashamed and hiding her debt from her family, Melissa resolved over $47,000 in debt, so she can live the life she wants. After moving to closer to be with her loved ones, she’s free to be the grandma she dreamt to be.3


4 ways you’re set up for success

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Achieve Resolution FAQs

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.

Achieve Resolution is an established leader in debt resolution. Since 2002, over 1 million members have been served by the Achieve Resolution program. We have resolved over $15 billion in debt. We have a team of committed experts working on your side: 600+ certified debt consultants, 200+ debt negotiators, and 300+ Member Services Representatives dedicated to debt resolution. 

Lastly, Achieve Resolution formally has a promise to customers in place to ensure that the program delivers results to our customers.

Read more in the Achieve Resolution Promise section of the FAQ “What benefits can I expect from Achieve Resolution?”

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 personalizedfree 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. 

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, plus (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.

The Achieve Resolution program is focused on dealing with unsecured debts (debts that are not backed by collateral such as debt from credit cards, medical bills, and unsecured personal loans, etc.). The program does not cover debt that is secured by collateral (such as mortgages or auto loans). However, after completing the program, the money you had been paying towards your unsecured creditors can be used to pay down secured debts and start saving for your financial future. Not everyone completes our program, so remember that sticking to your monthly savings plan is the most important factor in determining your success.

The Achieve Resolution program is unique to each client. The program length is on average 24-48 months. The length of time that a member is enrolled depends on many factors, like the amount of debt they have, who their creditors are, and the amount the member is able to save/deposit every month, as well as the consistency of those deposits. The Achieve Resolution team works with each member to build a program and schedule that fits their specific needs.