Tell us where you are.
Share a little about your debts and what’s changed. We’ll listen, explain our role, and walk through an initial qualification review.
A free, personal conversation A fresh start begins hereLess debt stress.
Less debt stress.
More life.
You’re more than what you owe. We help you understand your debt relief options and connect with a provider that fits your situation.
Free consultation. No pressure. No judgment.
★★★★★4.7/5on Trustpilot
Life comes first.Let’s make room for it.
Clearing the path to your next chapter
As seen & heard on
Company published media mentions. Advertising and media appearances do not imply endorsement. Our media partnerships ↗
A clearer path, one step at a timeYou don’t need all the answers.
You don’t need all the answers.
Just a place to start.
We help turn “where do I even begin?” into a conversation about your options.
Understand your options.
If a referral looks appropriate, we’ll connect you with an independent debt relief provider. They’ll review eligibility, costs, risks, and terms with you.
Clarity before commitmentChoose your next step.
Take time to review the details. If you choose to enroll, your provider administers the program and handles any debt negotiations and settlements.
The decision is yoursStart with a conversation
Done With Debt is an independent enrollment and referral company. Final eligibility and program terms are determined by third-party providers. Services unavailable in some states.
A little clarity goes a long wayWhat could your
What could your
path look like?
See how interest and monthly payments shape your payoff. Then talk through your options with us.
$1,000$100,000
Explore my debt relief options Free consultation. Using this tool does not run a credit check.
At your current payment4 yrs 8 moestimated time to repay
Total interest$16,610
Total repaid$41,610
With a little extra each month3 yrs 5 moestimated time to repay
Monthly payment$900
Total interest$11,856
Total repaid$36,856
Your estimate updates as you adjust the numbers.
Your current payment does not cover the interest, or payoff would take over 100 years. Try a higher payment or ask about your options.
How we calculate this. Fixed APR, monthly interest at APR ÷ 12, the same payment each month, and no new borrowing or fees. Actual lenders may calculate interest daily. This is a repayment illustration, not a debt settlement quote, program offer, or guarantee. Program fees and savings are not included.
Real people. Their own words.It starts with
It starts with
feeling understood.
★★★★★
“Cynthia Fleming is awesome!”
GM
Read review on Trustpilot Glenda MAugust 28, 2026
★★★★★
“Super easy to work with. Great sharing of information.”
MC
Read review on Trustpilot Manuel CalderonAugust 10, 2026
★★★★★
“Adam was so professional and understanding.”
E
Read review on Trustpilot EllencustomerAugust 3, 2026
Selected excerpts from Done With Debt’s Trustpilot reviews. Individual experiences vary and do not guarantee results. Rating and count recorded September 5, 2026. See all current reviews.
More than a balance on a statementLife happens.
Life happens.
We get it.
A medical bill. A change at work. Interest that keeps adding up. Whatever brought you here, you deserve to understand your choices.
Meet Done With DebtCredit cards & store cards
Unsecured medical bills
Personal loans & other unsecured debt
Some unsecured debts may be eligible for a provider’s program. Eligibility varies. Mortgages and auto loans are not the focus of this referral service.
You may have seen us beforeDebt has a way
Debt has a way
of taking over.
Our commercials put a face to that feeling.
Your next step starts with a real conversation.
0:57
Advertisements featuring actors and dramatized situations, not customer testimonials. Program descriptions in these commercials refer to services administered by independent third-party providers. Done With Debt qualifies and refers consumers; it does not directly negotiate or settle debts. Results vary. See the disclosures below.
Good questions deserve clear answersLet’s clear
Let’s clear
a few things up.
Including the things you might feel unsure about asking.
Talk to our teamWhat does Done With Debt actually do?
We provide an initial qualification review and, when appropriate, refer you to an independent debt relief provider. We do not directly negotiate or settle debts. Your provider determines final eligibility and manages any program you choose.
Does using the calculator affect my credit?
No. The calculator runs simple arithmetic in your browser. It does not access your credit report. Its estimates describe repayment at the rates and payments you enter, not potential settlement results.
How is debt settlement different from a loan?
A loan involves borrowing money that you must repay. Debt settlement involves seeking agreements with creditors to resolve eligible balances. Creditors can refuse, and the process has risks, including credit damage, collections, lawsuits, and growing fees. Compare the approaches.
What does the consultation cost?
Our initial consultation is free and does not obligate you to enroll. If you consider a third-party program, ask that provider for all fees and terms in writing before making a decision.
Can you guarantee how much I’ll save?
No. We cannot guarantee savings, a settlement amount, or a completion date. Outcomes depend on your debts, creditors, circumstances, and ability to complete a program. Not everyone successfully completes debt resolution.
Are services available in my state?
Debt relief services are not available through Done With Debt to residents of Arkansas, California, Hawaii, Louisiana, New Jersey, North Carolina, Oregon or Wyoming. Services may not be available in all other states either, and a referral requires at least $15,000 in total unsecured debt. A provider’s review determines eligibility and available program terms.
From the articlesA little more understanding.
Explore all articles A little more understanding.
A little less uncertainty.
01Small steps.
A clearer tomorrow.
A clearer tomorrow.
Making a plan
Snowball or avalanche? Find a repayment approach you can stick with
Two ways to prioritize your debts. One starts small, the other starts with the highest interest rate.
4 min readRead article
02Small steps.
A clearer tomorrow.
A clearer tomorrow.
Understanding debt
Why your credit card balance barely seems to move
A plain language look at interest, monthly payments, and the small changes that can make a difference.
4 min readRead article
You don’t have to figure it out aloneA fresh perspective.
A fresh perspective.
A way forward.
Tell us where you are. Let’s talk about where you could go.
Take the first step Or call (888) 322-1054Free consultation • No obligation to enroll
Services unavailable in some states. Other state restrictions may apply.