Debt relief eligibility and supported debt types
Understand the debts and circumstances a provider may review, the states we cannot serve, the $15,000 minimum, and why a website form cannot confirm program eligibility.
Eligibility depends on your state, debts and individual circumstances. Done With Debt performs an initial review; an independent provider makes the final decision. Residents of Arkansas, California, Hawaii, Louisiana, New Jersey, North Carolina, Oregon or Wyoming are not eligible for services through us, and we do not accept inquiries below $15,000 in total unsecured debt.
Start by identifying the type of debt
Our referral service focuses on potentially eligible unsecured debts. Unsecured generally means the debt is not backed by specific property, such as a car or home. That distinction does not remove the obligation to repay or prevent collection action.
| Debt | What to discuss |
|---|---|
| Credit cards and store cards | The balances, creditors and current payment status |
| Unsecured medical bills | Billing accuracy and financial assistance before a settlement referral |
| Unsecured personal loans | The agreement, lender, balance and any joint borrower |
| Mortgages and vehicle loans | These secured debts are not the focus of this referral service |
| Other debts | Ask specifically; do not assume acceptance |
Sources: Done With Debt: Our role and contact details · FTC: How to get out of debt · CFPB: When you cannot pay a medical bill
What the initial review considers
Expect questions about your state of residence, approximate unsecured debt, required payments and ability to fund a realistic next step. A provider may need additional information before deciding.
We accept inquiries starting at $15,000 in total unsecured debt, counting credit cards, unsecured personal loans and medical bills. That floor is our own intake rule, not a nationwide approval rule, and meeting it does not mean you qualify. A provider can exclude a particular debt even when it considers other debts.
State availability must be confirmed
Residents of Arkansas, California, Hawaii, Louisiana, New Jersey, North Carolina, Oregon or Wyoming cannot receive debt relief services through Done With Debt. Services may also be unavailable in other states. A state appearing in a form is not a statement that every program is offered there.
A provider must confirm current availability and terms for your circumstances. The educational guides and repayment calculator are available to help you understand general options regardless of whether you can use the referral service.
What eligibility does not mean
Being accepted into a program does not guarantee creditor agreements, savings or successful completion. Review the proposed costs and risks even if you qualify.
Consider whether the proposed funding is sustainable alongside essential expenses. If you need urgent help with a collection lawsuit, foreclosure, repossession or a tax matter, a debt relief referral is not a substitute for appropriately qualified advice.
Sources: Done With Debt: Our role and contact details · FTC: How to get out of debt
Prepare without sharing sensitive information
For the first conversation, make a list of creditors, approximate balances, payments and questions. Keep account identifiers, passwords and sensitive documents out of the public website form.
If a referral is not suitable, review the alternatives in our comparison guide, including creditor hardship arrangements and nonprofit credit counseling.
Sources: Done With Debt: Our role and contact details · FTC: How to get out of debt
Sources and further reading
- Done With Debt: Our role and contact details
- FTC: How to get out of debt
- CFPB: When you cannot pay a medical bill
General educational information. This guide does not assess your circumstances or replace financial, legal or tax advice. Read our editorial policy.