We're America's trusted debt relief specialists. We negotiate directly with your creditors so you pay less than what you owe — no loans, no bankruptcy, no hidden fees.
Prefer to call? (833) 567-6098 — Available 7 days a week
One of our advisors will contact you within minutes to offer you a personalized, no-obligation evaluation.
Our debt relief program is designed to help you regain your financial peace of mind in three simple steps, with complete support throughout your journey.
Speak with a debt advisor who will analyze your financial situation. We review your credit card debt, personal loans and other unsecured debts to create a custom debt relief plan.
Our expert negotiators contact your creditors to reach a debt settlement agreement. We work to reduce the total amount you owe, often achieving discounts of 40% to 60% off the original balance.
Once settlements are reached, you make a single reduced monthly payment. Each resolved debt brings you closer to financial freedom. Most of our clients complete the program in 24-48 months.
Our debt relief program is available to US residents who meet the following basic criteria.
We're America's most trusted debt relief program. Our results speak for themselves.
Thousands of American families have already reduced their credit card debt with our proven settlement program.
"I had $32,000 in credit card debt and didn't know what to do. Thanks to the team at FreedomDebtUSA, they reduced my debt to just $14,000. The whole process was clear and I felt supported from day one."
"My husband and I owed over $45,000 across several credit cards. In 30 months we got out of debt paying much less than we owed. The debt settlement program really works."
"I was scared to call, but from the first consultation they explained everything clearly. They reduced my debt from $22,000 to less than $10,000. Today I can sleep peacefully without the stress of collection calls."
We answer the most common questions about our credit card debt reduction and settlement program.
Debt relief, also known as debt settlement, is a process where we negotiate directly with your creditors to reduce the total amount you owe. Instead of paying 100% of your debt, our professional negotiators reach agreements so you pay significantly less — typically between 40% and 60% of the total. This program is ideal for people with credit card debt, personal loans and other unsecured debts over $15,000.
Most of our clients complete the program in 24 to 48 months, depending on total debt amount and monthly savings capacity. Some clients with smaller debts resolve their situation in less than 18 months. Throughout the process, you'll have a dedicated debt advisor who will keep you informed about every step of the negotiation.
Your credit score may be temporarily affected during the negotiation process. However, many of our clients report a significant improvement in their credit score after completing the program, since they eliminate the debt burden that was preventing them from moving forward financially. Compared to bankruptcy, debt settlement has a much smaller long-term impact on your credit history.
There are several options to reduce your credit card debt without filing bankruptcy: debt settlement (direct negotiation with creditors to reduce the balance), debt consolidation into a single monthly payment, or debt management through an accredited agency. Debt settlement is generally the fastest option to reduce the principal amount of debt. Unlike bankruptcy, it does not require court intervention and has less long-term impact on your credit history.
Yes, unsecured medical debts are eligible for our debt relief program. Hospital bills, clinic fees, specialist costs and other healthcare provider invoices are considered unsecured debt and can be included in the negotiation process. Together with credit card debt and personal loans, we can help you significantly reduce your medical debt burden. Unexpected medical expenses are one of the leading causes of consumer debt in America.
You do not need to be a US citizen. Our debt relief program is available to citizens, permanent residents (green card holders) and individuals with valid work authorization who reside in the United States and have credit card debt or other unsecured debts exceeding $15,000. The most important thing is having stable income to meet the reduced payment plan.
Complete the form and a debt advisor will contact you within minutes. No cost, no obligation — just real solutions for your credit card debt.
(833) 567-6098 — Available 7 days a week, Monday to Friday 8am-8pm EST, Saturday 9am-5pm EST.
We don't charge upfront fees. You only pay once we've successfully negotiated your debt reduction. Your satisfaction is our priority.
Our team will contact you within minutes after you submit the form. Completely free and confidential evaluation.
Our entire team is IAPDA-certified with years of experience in debt negotiation. We understand your situation and we're here to help.
An advisor will be in touch with you very soon. In the meantime, you can call us directly at (833) 567-6098.
Meet our certified advisor team →
FreedomDebtUSA es una empresa especializada en debt reduction and debt relief with over 12 years of experience helping American families nationwide. Our team of negotiators certified by the International Association of Professional Debt Arbitrators (IAPDA) works to guide you through every step of the process.
Debt relief (also called debt settlement) is a legal alternative to bankruptcy that allows people with more than $15,000 in unsecured debt — mainly credit card debt and personal loans — to negotiate directly with their creditors to pay a fraction of the total owed. Unlike traditional debt consolidation, this is not a new loan: it's a real negotiation that reduces the principal balance.
Our program has helped more than 50,000 American families across all 50 US states to break free from debt with a transparent, regulated and fully compliant process. We charge no upfront fees: you only pay when the negotiation is successful. Our services comply with Federal Trade Commission (FTC) and CFPB regulations.