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Special Report

Americans Rush to Take Advantage of Billions in Debt Relief — Here’s Who Qualifies

With interest rates at record highs, new hardship programs are helping some households reduce balances and payments dramatically.

By Staff Reporter • Updated
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Rising rates and inflation have pushed many households to the brink. But a lesser-known set of hardship options can reduce payments and even balances on qualifying unsecured debts…

“I couldn’t keep up with minimums. The relief plan cut my payment nearly in half and I finally sleep again.” — Earnest M., verified client
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How It Works

1) Quick review call → 2) Hardship verification → 3) Custom plan & payment quote. No upfront fees; results vary.

Common Eligible Debts

  • Credit cards & personal loans
  • Collections & medical debt
  • Retail cards and more
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Will this hurt my credit?

Programs can affect credit differently. Advisors explain tradeoffs before enrollment and there are no upfront fees.

Is there a minimum debt?

Typical minimum is ~$10,000 in unsecured balances, but exceptions exist based on hardship and mix.

How fast could payments drop?

Some see lower payments in their first billing cycle after approval. Individual results vary.

This article is informational. Calls connect to an independent debt help network. By calling, you agree to be contacted at the number you dial from. Not available in all states. Results vary.

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