Debt Defense

Pay less than you owe*

Get out of debt in as little as 24 to 48 months.*

★ 4.9 Trustpilot · 12,000+ helped · BBB A+ Accredited
100,000+ Americans helped BBB Accredited · A+ rating Soft credit check only No upfront fees · FTC TSR compliant
Why Americans pick us

Why Americans trust Debt Defense

No upfront fees. No high-pressure sales. Just a certified debt specialist who knows the federal regulations.

BBB Accredited
A+ rating. Members of AADR / IAPDA where required by state.
100,000+ Americans helped
Across all 50 states. Avg debt reduction: 40 to 50% of total enrolled balance.
No upfront fees
You pay nothing until your debt is actually reduced, per the FTC Telemarketing Sales Rule.
Soft credit check only
Confidential, no pressure. Soft credit check only, does not affect your score.
Answers

Real answers, real questions

How soon will someone call me?
Within 2 minutes, weekdays 8am to 8pm ET. After hours, first thing the next business day.
Is this a loan?
Not always. Most clients are matched with a debt resolution program that negotiates a reduction in what they owe, typically 40 to 50% of total enrolled debt. Some profiles also see consolidation loan options.
Will this hurt my credit?
No. We only run a soft credit check, which is a gentle inquiry that does not affect your credit score in any way. A hard credit review would only happen later if you choose to enroll with a debt resolution specialist after your free consultation, never during this inquiry.
Do you charge upfront fees?
No. Per the FTC Telemarketing Sales Rule, fees only apply once debt is actually reduced. If we don't reduce your debt, you owe nothing.

Stop the calls. Start the plan.

60 seconds. Free. Confidential. 100% no obligation.