Start Here: Your Path to Debt-Free & Credit-Strong
Follow this quick roadmap to choose the right strategy, compare top programs, and grab your free 7-Day Credit Reset Plan.
Get Out of Debt—Without Guesswork
1) Pick Your Strategy
Use our side-by-side guide to choose DIY, 0% transfer, consolidation, DMP, settlement, or bankruptcy.
2) Compare Programs
Read transparent reviews with pros/cons, fees, timelines, and who each option fits best.
3) Reset & Rebuild
Follow our 7-Day Credit Reset Plan to boost accuracy, lower utilization, and protect your score.
Which Path Sounds Most Like You?
“I can pay aggressively for 12–18 months.”
- Try a 0% Balance Transfer or Avalanche.
- Divide balance by promo months to set your must-hit monthly.
“I want 1 fixed payment & end date.”
- Consider a Consolidation Loan or DMP.
- Compare 3+ lenders or talk to a certified non-profit agency.
“I’m in hardship or behind on bills.”
- Look at Debt Settlement or a Bankruptcy consult.
- Prioritize legal protection and realistic cash flow.
Trusted, Transparent Options
Debt Settlement — National Debt Relief
Largest potential reduction for genuine hardship. Expect credit impact during the program; outcomes vary by creditor and state.
Credit Repair / Errors — Credit Saint
For inaccurate items or reporting mistakes. Pair with utilization fixes for faster score recovery.
Credit Builder — Self
Build on-time payment history and savings with a credit builder account. Great for thin files.
Non-Profit DMP — Find a Certified Agency
Lower interest and fees on credit cards via a structured, creditor-approved plan.
Disclosure: We may earn referral compensation from some partners at no extra cost to you. Our recommendations prioritize transparency, compliance, and customer outcomes.
Common Questions
| What’s the fastest path? | With strong cash flow, a 0% transfer or Avalanche can be fastest. In hardship, Settlement or Chapter 7 may resolve sooner. |
|---|---|
| What reduces my monthly payment most? | Usually Settlement, DMP, or Chapter 13—each has trade-offs (credit impact, timeline, or court supervision). |
| Will my credit recover? | Yes—accuracy, on-time payments, and utilization fixes drive recovery. Start with our 7-Day Credit Reset Plan. |
Ready to Take the Next Step?
Choose your path or grab the free plan to start making progress today.