3,000+
creditors we work with
44,000+
debts resolved each month
$140 Million+
in debt resolved each month1
HOW IT WORKS
5 simple steps to resolve your debt
REAL PEOPLE, REAL RESULTS
![testimonial-img-mel@1.5.jpg](/assets/images/80jeq2aeq4l1/5pjfvTKqreww6RGYN4bBYH/95857524a379d6658e396dfb2de5cf6e/testimonial-img-mel_1.5.jpg?fm=webp&q=50)
![testimonial-img-wanda@1.5.jpg](/assets/images/80jeq2aeq4l1/6lxtaGapDOqiI0uTOLS4Ts/48aa02395f985f7858efdeec967855b6/testimonial-img-wanda_1.5.jpg?fm=webp&q=50)
![kevin-square.jpg](/assets/images/80jeq2aeq4l1/3zp0TLGnDTA0dL7lC7dw0A/79a64981c8b9ac59a63821a3b786bb64/kevin-square.jpg?fm=webp&q=50)
How it works FAQs
How does Achieve Resolution work to reduce debt?
Achieve Resolution is a proven program where a team of experts work with creditors on your behalf to reduce the amount you owe. This allows you to pay off debts faster than making minimum monthly payments and keeps more money in your pocket.
What types of debt can I resolve?
Our debt resolution program can help you with unsecured debts (debt not backed by collateral like a house or car).
Debts we can help with
Credit or department store cards
Medical debt
Most personal loans
Collections or repossessions
Lines of credit
Some payday loans
Some private student loan debt
Debts we can’t help with
Taxes
Utility bills
Lawsuits
Secured loans (HELOC, auto, etc.)
Federal student loans
Not sure if your debt is eligible for the Achieve Resolution program? Call us.
Who is eligible for the Achieve Resolution program?
Achieve Resolution helps consumers who have experienced a hardship (such as job loss, reduced income, unexpected expenses, medical debt, and divorce) and are struggling with unsecured debts, including credit cards, medical, department store and personal loan debts.
Our program is available in most of the country, but not in some states, including New Jersey. We enroll members with debt amounts between $7,500 and over $100,000. You could qualify for Achieve Resolution even with bad credit.
What does the Achieve Resolution program cost? Are there membership fees?
Program fees range between 15-25% of the amount of enrolled debt to be resolved. Rates may vary depending on your state of residence. There are no membership fees to join Achieve Resolution, only the monthly or bi-weekly deposit needed for debt negotiations and settlements.
Does debt resolution impact my credit?
As you stop payments to your creditors and your accounts go past due, your credit score may drop temporarily. However, as each account is resolved, those debts should be reported as such and should show a zero balance on your credit report, which should help your credit score begin to recover.
By the time you graduate from the program, you’ll be free of your enrolled debts.
Learn more about Achieve Resolution
![small-mobile-img-hero-ar-who-we-help@1.5x.jpg](/assets/images/80jeq2aeq4l1/3ntnAwJVyxX02Nj0yhrplh/09967a5c35eee47358a1d01d5e9882e7/small-mobile-img-hero-ar-who-we-help_1.5x.jpg?fm=webp&q=50)
Help when you need it most
When you don’t know where to turn for debt help, the caring team behind Achieve Resolution could reduce debt for you, so you can focus on your life.
![small-mobile-img-hero-ar-why-choose@1.5.jpg](/assets/images/80jeq2aeq4l1/22z0xSmd865BV8MopLOCJf/23c689c55de32fe8cb0e34f22e208d69/small-mobile-img-hero-ar-why-choose_1.5.jpg?fm=webp&q=50)
Debt experts on your side
We’re proud to serve 1 million+ members who trusted us to reduce their debt and get their life back.
![articles-img-overview@1.5.jpg](/assets/images/80jeq2aeq4l1/7ECd1HnznD8e1h8QPXLNkn/6433cdfe8ac24d2c7855422ab6b6facf/articles-img-overview_1.5.jpg?fm=webp&q=50)
Achieve Resolution overview
Get rid of your debt and free up your cash flow without a loan or great credit.