🛡 Debt Defense
(800) 555-0173

Need debt relief?

  • Pay up to 50% less than you owe*
  • Debt free in as little as 24 to 48 months*
  • Free consultation and zero upfront fees

*Results vary by individual. Average enrolled debt reduction is 40 to 50% before program fees, based on debts settled through our network. Programs typically run 24 to 48 months and are not available in all states.

Subject to terms of program. Free consultation.

A Debt Defense client smiling at home after settling her debt
End the late-night worry 100,000+ Americans · debt-free in 24 to 48 months
★★★★★
4.7 · 8,432 reviews
★★★★★
4.6 · 3,127 reviews
 
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?
The identity verification is a soft pull and does not affect your credit. Settlement programs themselves can impact credit during enrollment, but most clients see scores recover within 12 to 24 months of completion.
Why do you need my SSN and date of birth?
Only to run a soft credit check that confirms your actual debt accounts and balances. This is a soft pull, it does not affect your credit score and is never shared outside our secure verification partner.
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.