Check My Options
Free to check · No obligation

Check if debt help may be available

Answer a few quick questions and The Debt Helper may connect you with a participating provider based on your situation. Free to check. No obligation.

  • Submit one request and see if help may be available
  • No obligation to enroll or purchase any service
  • Built for unsecured debt such as credit cards, personal loans, medical bills and collections
Check My Options How It Works
1 form
One request
Multiple
Potential provider paths
Free
No cost to check

See if debt help may be available

Step 1 of 8

Answer a few quick questions. It usually takes less than 2 minutes.

How much total debt would you like help reviewing?
Include credit cards, personal loans, medical bills, collections, and other debts.
Which types of debt are included?
Select all that apply.
Where is most of your debt?
This helps us understand what kind of help may be relevant.
Are you currently behind on payments?
There are no wrong answers. This helps us understand your situation.
Where do you live?
Availability may vary by state and provider.
What is your estimated monthly income?
This may help determine which options could be available.
Where should a debt specialist contact you?
Your details are used to review your request and follow up if matched.
Final step
Some participating providers may require a soft debt verification before options can be reviewed.
Some participating providers may require a soft debt verification to help determine whether options may be available. This is intended not to impact your credit score.

The Debt Helper is not a lender, law firm, credit repair company, or debt settlement provider. We do not guarantee debt reduction, settlement, approval, or savings.

Thank you

Your request has been received. If your information matches participating provider requirements, a debt specialist may contact you to discuss possible options.

There is no obligation to enroll or purchase any service.

Simple & transparent

How The Debt Helper works

Tell us about your situation. If your request matches available provider requirements, a participating specialist may contact you to discuss possible options.

1

Answer a few questions

Tell us about your debt amount, debt type, location and contact details.

2

We review basic eligibility

Your request is checked against participating provider requirements.

3

A specialist may contact you

If matched, a participating provider may contact you. There is no obligation to proceed.

Debt relief programs may affect your credit, involve fees, and do not guarantee that creditors will agree to settle debts. Always review all terms carefully before enrolling in any program.
Different debt, different help

Different debt situations may require different help

Credit cards, personal loans, medical bills and collections are commonly reviewed by participating debt relief providers. Other debt types may require different solutions.

Credit card debt
Personal loans
Medical bills
Collection accounts

Built to keep the process simple

You answer one form. The Debt Helper uses your information to check whether a participating provider may be available for your situation.

Amount
Your estimated debt amount
Type
The kind of debt you want help with
Location
Availability can vary by state
Contact
A specialist may follow up if matched
Interactive estimate

What debt help may look like

Every situation is different, but many people want to understand what may change if they speak with a provider.

See what a program could look like for you

A rough estimate based on typical industry ranges. Not an offer, quote, or guarantee — a provider sets your actual terms.

If you keep paying minimums —
A structured program (est.) —

A lower monthly payment doesn't always mean a lower total cost, and not everyone qualifies or completes a program.

See if I may qualify

Estimate only. The "minimums" figure assumes a typical minimum payment (about 1% of the balance plus interest) at the rate shown; the program figure uses typical debt settlement ranges (fees of about 15–25% of enrolled debt, programs of about 24–48 months, creditors often settling for around half of a balance). Programs charge fees, forgiven debt may be taxable, and settlement can affect your credit. Actual terms are set by a provider based on your situation, state, and creditors. This tool does not guarantee savings, approval, settlement, or any outcome.

What people often hope to improve

These are common goals — not promises about your outcome.

Stress
Get clarity on possible next steps
Payments
See whether monthly pressure may be reduced
Support
Speak with a participating specialist if matched

The Debt Helper does not promise any specific outcome. Participating providers determine whether options are available.

Illustrative scenarios

How different situations can look

The examples below are illustrations to show the kind of situations people ask about. They are not real customers or guaranteed results.

Illustrative example

$24,000 in credit card debt

Before
  • 5 separate credit card balances
  • Monthly minimum payments felt hard to keep up with
  • Needed help understanding available options
After contacting a provider
  • Reviewed possible debt relief support
  • Got a clearer picture of what next steps could look like
  • Better understanding of possible monthly payment structure
Illustrative example

$38,000 mixed unsecured debt

Before
  • Credit cards, personal loans and collections
  • Falling behind and unsure where to begin
  • Wanted one place to ask for help
After contacting a provider
  • Discussed options based on debt type and amount
  • Learned whether the case fit a provider’s criteria
  • Received more clarity on a possible path forward
Illustrative example

$16,000 medical bills and collections

Before
  • Debt spread across more than one account
  • Unsure whether debt help was even available
  • Looking for guidance without obligation
After contacting a provider
  • Reviewed which kinds of support might fit the case
  • Learned what documents or next steps may be needed
  • Got a starting point instead of guessing alone

Illustrative examples only. These examples do not represent actual clients or guaranteed results. Debt relief options, timing, monthly payments, fees, and outcomes vary by provider and by individual situation.

Good to know

Questions people often ask

Is The Debt Helper a debt settlement company?
No. The Debt Helper is a matching and lead-generation service. We are not a lender, law firm, credit repair company or debt settlement provider.
Does submitting the form guarantee debt reduction?
No. There is no guarantee that your debt will be reduced, settled or eliminated. Any available options depend on your situation and provider requirements.
Will checking options affect my credit score?
Some providers may require a soft verification, which is intended not to impact your credit score. Final wording and process must be approved before launch.
Do I have to enroll?
No. Submitting a request is free and there is no obligation to enroll in any program or purchase any service.
Who may contact me?
If your request is matched, The Debt Helper or participating providers/partners may contact you using the information and consent you provide.

Check if debt help may be available

Submit one request and see if participating providers may be available in your state.

Check My Options