DEBT RESOLUTION

Resolve your debt—and relax

How much debt do you owe?1

$50,000

Based on $ in debt1

$/mo

estimated savings

$

in estimated additional debt cost if you wait 3 more months

TP

TrustScore 4.8 / 5

Get rid of your debt, get back to your life

❖ Emblem Illustration-reduce what you owe.svg

Reduce what you owe

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

❖ Emblem Illustration - get rid of debt faster.svg

Get rid of debt faster

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

❖ Emblem Illustration - free up cash.svg

Free up cash each month

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

❖ Emblem Illustration - we negotiate for you.svg

We negotiate for you

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

❖ Emblem Illustration - good credit not required.svg

Good credit not required

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

❖ Emblem Illustration - lower debt without a loan.svg

Lower debt without a loan

Resolve your debt without a consolidation loan.

DEBT PAYOFF CALCULATOR

Save an estimated $ on your monthly payment1


EXPLORE DEBT RESOLUTION

Leave debt behind and move forward

mobile-dr-product-details-1.jpg
img-reduce-time@2x.png
mobile-dr-product-details-2.jpg
img-pay-less@2x.png
mobile-dr-product-details-3.jpg
img-reduce-owe@2x.png

DEBT RESOLUTION MEMBER STORIES

There’s more to life than debt

testimonial-img-mel@1.5.jpg
Resolved debt $47k+ 🎉
kevin-square.jpg
testimonial-img-wanda@1.5.jpg

Proven results, delivered by a team of experts

❖ Pictogram Illustration - fast results.svg

Fast results

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

❖ Pictogram Illustration - program guarantee.svg

Program guarantee

Your program is designed to help you succeed. Learn more

❖ Pictogram Illustration - personalized service.svg

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.1

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.1

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.1

Debt Resolution FAQs

  • Credit counseling: Counselors can enroll you in a debt management plan that typically lowers your interest rates and puts you on a more affordable payment schedule.

  • Debt resolution: Involves convincing your creditors to accept less than you owe as payment in full.

  • 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

pl-solutions-icon.svg

Personal Loans

Customize your loan4

$5,000-$50,000 fixed-rate loans

Flexible 2, 3, 4, or 5-year terms

Personalized rate discounts

heloc-solutions-icon.svg

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

PicotgramA_Calculator 1.svg

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
Made for you by Achieve badge

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.

 

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

  3. These estimates are not actual amounts or periods and are based on information you have provided, information from your credit report and/or information from third parties. Estimates are not for general use and are an approximation and not a guarantee. These estimates are based on assumptions derived from prior experience and publicly available information on interest rates, charges and minimum payment requirements for consumer debt, including the average APR on credit card accounts as reported in the Federal Reserve Board of Governor's statistical release on Consumer Credit for the previous quarter and 29.99% for delinquent credit cards. These rates are blended with any other fixed term repayment and high interest loans you may have. Your actual rates, charges, fees and minimum payment requirements may be higher or lower. Actual estimates could also vary based on receipt of military benefits (SCRA and/or MLA).

    These estimates assume that there are no additional charges, rebates, refunds, payments or reductions of your debt other than the monthly payment of the estimated current and future total minimum monthly payment. This payment strategy is based on publicly available information about your enrolled accounts and applies the minimum monthly payments as a declining amount month over month as the principal balance is paid down. As you continue to make your minimum monthly payments your monthly savings amount compared to your estimated monthly program amount will decrease.

    Estimated current total minimum monthly payment is the total payment due to your creditors each month.

    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 minimum monthly payment due to your creditors each month.

    Total estimated amount you will pay in principal, interest and fees over time if you pay only the estimated minimum monthly payment due to your creditors each month.

    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 assumes the payment of the estimated minimum monthly payment. Your total minimum monthly payment, which is the total payment due to your creditors each month for your total credit card debt, is estimated 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 is based on publicly available information about your enrolled accounts and applies the minimum monthly payments as a declining amount month over month as the principal balance is paid down.

    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 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.

  5. 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.

© 2025 Achieve.com. All rights reserved. NMLS #138464