Debt relief FAQs

We conduct an initial qualification review and, when appropriate, refer consumers to independent debt relief providers. We do not directly negotiate or settle debts. The provider determines final eligibility, fees and program terms. See the process.

Yes. The initial Done With Debt consultation is free and does not obligate you to enroll. A third-party program can have fees. Request all charges, their calculation and timing in writing from the provider. Understand costs.

No. Done With Debt is not a lender and does not issue loans. Consolidation replaces debts with a new loan. Settlement seeks creditor agreements and involves different risks. Compare approaches.

Some unsecured credit card, store card, medical and personal loan debts may be considered. Acceptance varies by provider and circumstances. Mortgages and vehicle loans are not the focus of this referral service. Review debt types.

Debt relief services are not available through Done With Debt to residents of Arkansas, California, Hawaii, Louisiana, New Jersey, North Carolina, Oregon or Wyoming. Other state restrictions can apply. A state listed in the inquiry form does not guarantee program availability. Read about state availability.

Yes. We accept inquiries at $15,000 or more in total unsecured debt, counting credit cards, unsecured personal loans and medical bills. Meeting that floor does not guarantee approval. A provider reviews your debts, state and individual circumstances before making a decision. Understand qualification.

No. It calculates a repayment illustration from the balance, APR and payments you enter. It does not check your credit, determine eligibility or estimate a settlement. Try the calculator.

No. Creditors may refuse to settle, circumstances can change and not everyone completes a program. A review or advertised example cannot guarantee your result. Learn about settlement.

Yes. Missed payments and other program consequences may adversely affect creditworthiness. Interest and fees can accumulate. Ask the provider to explain the consequences before deciding. Review the risks.

No. Requesting a consultation does not change your obligations, stop collections or answer court papers. If you receive a summons, seek qualified legal advice promptly about your response and deadlines. Understand collection risks.

Do not treat a website, calculator result or consultation request as an instruction to stop payments. Ask the provider about the consequences of any proposed program and consider alternatives before acting. Questions before enrollment.

Yes. Canceled debt may be taxable, although exceptions and exclusions can apply. A qualified tax professional can assess your facts. Done With Debt does not provide tax advice. Read the IRS source.

Depending on your situation, consider repayment strategies, a creditor hardship arrangement, nonprofit credit counseling, a consolidation loan or advice from a qualified bankruptcy attorney. Compare the options.

A list of debts, approximate balances, payments, state of residence and what you can afford after essential expenses is a useful start. Do not send passwords, account identifiers or sensitive documents through the public form. Prepare for the conversation.

Your provider handles program administration, negotiations and settlements. Done With Debt can answer questions about the referral. Use the contacts in your provider agreement for program questions. Contact Done With Debt.