Where Determination Meets Experience

(1) Your initial debt analysis is free, confidential, and comes with no obligation, allowing you to explore your options without commitment. (2) If you decide to proceed, you can join our program with no upfront cost. (3) We’ll negotiate a settlement with your creditors on your behalf. (4) Once an agreement is reached, you review and accept the terms, then begin a manageable monthly payment plan. (5) Our rates typically range from 15% to 25%, applying only after a successful settlement, depending on your location.

Anyone struggling financially with unsecured debt—especially those who are behind on payments or having trouble covering the minimums—may qualify. You must have at least $15,000 in total unsecured debt and owe each creditor $200 or more. This approach helps ensure we can effectively negotiate on your behalf.

The program duration varies, typically between 12 and 60 months. This depends on the total enrolled debt and the monthly amount you choose to deposit into your dedicated account. We’ll work with you to develop a realistic timeline based on your circumstances.

You can try negotiating on your own, but it often takes specialized knowledge and a lot of patience. Even a small oversight could reduce any potential savings. At Moneymend, our experienced negotiators have spent years building relationships with creditors, helping us secure more favorable settlements on your behalf. While our fees usually range from 15% to 25% (depending on your location and total debt), many clients find the peace of mind and time saved well worth the cost.

Once you’ve reached a settlement, you won’t be able to use the cards included in the program. We suggest keeping one credit card out of the program for emergencies. Ideally, it should be a card you intend to keep and that still has available credit.