Debt relief involves lowering your outstanding balance. Through negotiation, your debt is reduced, and you end up paying less than what you originally owed. The creditor forgives the remaining amount in a process known as a settlement. On the other hand, debt consolidation involves consolidating all your debt into a single loan, which comes with a single monthly payment, often at a reduced interest rate. To qualify for debt consolidation, a higher credit score is generally required.
We negotiate with major credit card issuers and banks on a daily basis to reduce debts, and we cover most types of unsecured debt*. Here are some examples of the debts we can help you settle:

  • Credit Cards
  • Personal Loans
  • Lines of Credit
  • Medical Bills
  • Collections
  • Repossessions
  • Business Debts
  • Certain Student Loans

*Unsecured debt refers to any debt that is not backed by collateral, such as a home or car. It is less risky for consumers because they do not risk losing assets if they fail to repay the debt. However, if you become delinquent on your unsecured debts, your creditors may take legal action against you, although they cannot repossess your property or foreclose on your home.

You won’t be charged any fees until you approve the resolution agreement and your debts are settled. You won’t have to pay any sign-up or cancellation fees, and you’re not under any obligation to proceed. After the debts have been settled, the average client generally pays a fee of 15-25% of the total debt enrolled as part of their monthly payment. If we’re unable to settle your accounts, you won’t be charged anything. It’s straightforward.

Whether you’ve already missed payments to your creditors or not, debt settlement programs could potentially harm your credit score, depending on your personal circumstances. As credit repair services are regulated separately, we do not offer advice on improving your credit or provide such services.
Although a DIY approach can be effective for home renovation projects and other hobbies, it’s not advisable to take risks with your debt repayment plan. Your financial situation can have a long-term impact on your lifestyle and peace of mind. At Complete Debt Relief, we handle every detail of debt negotiations, helping you overcome significant obstacles that may hinder your financial independence. With established relationships with over 10,000 creditors, our negotiators typically achieve a 50% negotiation rate, which means we can save you up to 50% on your debts (excluding fees). We know precisely how to communicate with each company to find solutions that meet your needs, and we can advise you on how much you can expect to save with each creditor. We’re committed to getting you the best possible deal and won’t stop until we achieve it.
The duration it takes to settle your debts depends on how fast you can accumulate funds and save up for settlement offers. The quicker you save, the sooner you can become debt-free. Our program typically takes between 24-48 months. In contrast, if you only make minimum payments on your credit cards, it may take you 10-20 years to clear your debts, and you could end up paying back two, three, or even four times the amount you initially borrowed.
While there’s a slight chance that a creditor may sue you, lawsuits can be costly, and creditors generally try to avoid them. Our goal is to complete the program as swiftly as possible to reduce the risk of any lawsuits.
No, you won’t be able to use your credit cards that are enrolled in the program. Plus, creditors will usually close your accounts after you’ve missed a few payments. Your debt expert will help you decide the best plan of action based on your current financial situation.
It’s a case-by-case basis. Your creditors will send you a 1099-C form if they forgive more than $600 of your debt, which counts as income. However, if you are insolvent at the time we settle with your creditors (meaning you have more liabilities than assets), you may not be required to pay taxes on the forgiven debt.

“A taxpayer is insolvent when his or her total liabilities exceed his or her total assets. The forgiven debt may be excluded as income under the ‘insolvency’ exclusion. Normally, a taxpayer is not required to include forgiven debts in income to the extent that the taxpayer is insolvent.” – IRS.gov

It’s best to speak with a CPA or tax professional for help with this.
Absolutely! We adhere to federal regulations, which means we won’t settle a debt without your approval. Additionally, we won’t charge any fees related to settling a specific debt until you’ve approved the settlement and made at least one payment. If we can’t settle your debt or if you’re not satisfied with our services up to the point of settling your debts, you can cancel at any time without incurring any penalties or fees other than any earned fees associated with previously settled debts. That’s our guarantee – you only pay us if we successfully settle your debts.
If you’re experiencing financial hardship, such as a divorce or job loss, and have substantial unsecured debt, Complete Debt Relief’s program may be an excellent option for you. If you’re struggling to keep up with your minimum payments and your account balances are continually increasing, our program could be the solution you need. Instead of struggling with rising debt, consider our debt relief services to help you get back on track.
We are not qualified to provide legal advice as we are not attorneys. However, publicly available information online suggests that bankruptcy is often considered a last resort and carries severe consequences. It can negatively affect your credit score for up to a decade, making recovery a long and challenging process. It may also result in employment denials, rejected state licenses, insurance, and even apartment rentals. Furthermore, there is a possibility of losing personal property as significant assets may be seized.

Debt relief, on the other hand, involves negotiating outstanding debts through a combination of debt forgiveness and a manageable payment plan to help you become debt-free. Our program can significantly reduce the amount you owe, lower your monthly payment, and have your enrolled debt paid off within 24-48 months. While it may have a detrimental effect on your credit score, it is important to note that bankruptcies can legally be reported for a longer period of time.
To participate in our savings program, it is important to stop making monthly payments to your creditors, as they will not negotiate a reduced principal balance if you are up to date on your payments. By stopping your payments, you can establish a genuine financial hardship to your creditors and increase your chances of being eligible for our program.
An FDIC-insured trust account will be established in your name to hold your money. You will have complete control over the funds in the account. The money will only be disbursed when a settlement agreement is reached with the creditor and you have approved the offer.
Complete Debt Relief’s clients have testified that our programs can help them save thousands of dollars. By settling your debts, the interest and fees you’re currently accruing on your credit cards and other debts each month will stop accumulating. This can free up hundreds or thousands of dollars to pay other bills, invest in a home, or prepare for retirement. Additionally, our fees for the program are more than reasonable. Clients who successfully complete the program and have all their debt settled usually save around 50% before fees or 30% including our fees.
Absolutely! If you’re constantly living paycheck-to-paycheck, carrying large balances on your credit cards, and struggling to make the minimum payments, you’re under undue stress that can affect not only you but also your loved ones. When you join our program, not only will we negotiate your debt down and assist you in managing your finances, but you’ll also discover a sense of relief from the anxiety, guilt, and worry associated with insurmountable debt. This will allow you to concentrate on what truly counts: spending quality time with your family, building your career, and living life to the fullest.

Get in touch with us.

You are providing express “written” consent to Complete Debt Relief to call you (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS – charges may appIy) and/or email, even if your telephone number is currently listed on any internal, corporate, state, federal or national Do-Not-Call (DNC) list.

Get in touch with us.


You are providing express “written” consent to Complete Debt Relief to call you (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS – charges may appIy) and/or email, even if your telephone number is currently listed on any internal, corporate, state, federal or national Do-Not-Call (DNC) list.