How Done With Debt works
See what happens during a free consultation, how an independent provider reviews a referral, and who is responsible for each step.
Done With Debt helps with initial qualification and enrollment referrals. An independent provider makes the final program decision and handles debt negotiations and settlements.
1. Prepare a simple picture of your situation
List your debts, approximate balances, monthly payments and the amount you can afford after essential expenses. Note which debts are secured by property and whether you have received any collection or court notices.
You do not need to send account numbers, a Social Security number or sensitive documents through our website form. The calculator works with the figures you enter and does not access your credit report.
- Bring questions about costs, availability, creditor communication and alternatives.
- If you have a court deadline, seek qualified legal help promptly. A referral request does not answer a lawsuit.
Sources: Done With Debt: Our role and contact details · FTC: How to get out of debt
2. Have a free qualification conversation
Our team asks about your circumstances and explains our role. The initial review uses criteria established by independent third-party providers. Submitting a request does not guarantee eligibility or obligate you to enroll.
Our service is a referral and enrollment service, not a comparison of every provider in the market. Ask which provider is being considered and whether compensation connected with the referral affects the options presented to you.
3. Review the provider and written terms
If a referral is appropriate, the independent provider conducts its own review. It decides which debts it accepts, whether it offers a program in your state, and the applicable fees and terms.
Take time to read the agreement. Compare the total proposed cost, required funding, risks, cancellation rules and alternatives. Ask for explanations in writing when a term is unclear.
Sources: Done With Debt: Our role and contact details · FTC: How to get out of debt
4. Know who does what after a referral
Enrollment is your decision. If you enroll, direct program questions to the provider that administers your agreement. You can contact Done With Debt with questions about the referral.
| Responsibility | Who handles it |
|---|---|
| Initial qualification and referral | Done With Debt |
| Final acceptance, fees and program terms | Independent provider |
| Debt negotiations, settlements and administration | Independent provider |
| Legal, tax or bankruptcy advice | An appropriately qualified professional you consult |
Availability and your choices
Debt relief services are unavailable through Done With Debt to residents of Arkansas, California, Hawaii, Louisiana, New Jersey, North Carolina, Oregon or Wyoming, and may be unavailable elsewhere. Provider review is required even if your state appears in the inquiry form.
You may decide that direct repayment, a creditor hardship arrangement or credit counseling is a better next step. Asking for information does not commit you to a debt settlement program.
Sources: Done With Debt: Our role and contact details · FTC: How to get out of debt
Sources and further reading
General educational information. This guide does not assess your circumstances or replace financial, legal or tax advice. Read our editorial policy.