★ Excellent rating from 9,000+ members | No upfront fees | Talk to a specialist: (620) 302-8868
Debt relief, resolved

Finally resolve your debt for good.

Resolve Lending rolls your balances into one manageable monthly payment and negotiates down what you owe. Settle for less, clear your accounts, and give your credit room to climb back, so down the road you can qualify for loans at the rates you deserve. No upfront fees, ever.

★★★★★
4.9/5 from 9,000+ members
No upfront fees
Members have resolved
$2.3B
in debt with Resolve, and counting.
★★★★★

"They settled three of my accounts for a fraction of what I owed and folded it into one payment I can afford."

Carmen V., Austin TX
What we help with

If it's unsecured, we can likely resolve it

Resolve specializes in the high-interest debt that's hardest to escape on your own. Not sure if yours qualifies? Ask us, it's free.

Credit cards

Store cards, rewards cards, and any high-APR balance dragging you down.

Medical bills

Surprise bills and collections from hospitals, clinics, and specialists.

Personal loans

Unsecured installment loans with rates that never seem to move.

Collections

Charged-off accounts and past-due balances sitting with collectors.

Retail & financing

Buy-now-pay-later plans and store financing that piled up fast.

Business debt

Personally-guaranteed business cards and lines that follow you home.

$2.3B+
Debt resolved
for our members
250K+
People helped
and counting
43%
Average reduction
before fees
4.9★
Member rating
9,000+ reviews
How it works

Three steps to a resolved balance

No spreadsheets, no awkward creditor calls. You bring the debt, we bring the plan.

2 min
1

Get your estimate

Tell us what you owe and what you can afford. Checking your options never touches your credit score.

We do this
2

We negotiate

Your dedicated specialist works your creditors down to a fraction of what's owed while you make one deposit.

You're free
3

Resolved, and rebuilding

Track every settled account in your dashboard, finish years ahead of the minimum-payment treadmill, and give your credit the room it needs to climb back toward better rates.

Free savings estimate

See what Resolve could save you

Slide to match your situation. We'll compare three real paths out of debt side by side. No email required.

Your numbers

Updates instantly. Nothing is stored.

$5k$100k
8%36%
$150$2,500

Estimates only, for illustration. Actual results depend on your creditors, the program you qualify for, and how consistently you fund it.

You could save an estimated
$14,600
and be debt-free in about 36 months with Resolve
With ResolveNegotiated down, one payment
$20,600~36 months
Consolidation loanAssumes ~13% APR, fixed term
$34,800~60 months
Minimum paymentsStaying the current course
$48,20020+ years
Get my free assessment
Why Resolve

Straight talk, real relief

Most people wait years too long because the whole thing feels overwhelming. We built Resolve to be the opposite: clear, upfront, and genuinely on your side.

Nothing until it works

No enrollment or upfront fees. You only pay once a balance is actually reduced.

One specialist, start to finish

A dedicated expert owns your case, not a different call-center agent every time.

No new debt to repay

We reduce what you owe. We don't hand you another loan to dig out of.

Cancel whenever

No lock-in. It's your money and your call, every step of the way.

2 to 4 yrs
Typical time to graduate a Resolve program.
Compared with 20-plus years of minimum payments on the same balances, you finish years sooner and pay far less along the way.
★ 4.9 / 5

People who got their footing back

★★★★★
"I owed more than I made in a year. Resolve brought it down, folded everything into one payment I could handle, and stayed with me the whole way."
Marcus T.
Denver, CO
Saved $21,300
★★★★★

"No judgment, no runaround. Just a real plan and a person who picked up when I called."

Aisha K.
Newark, NJ
Saved $9,800
★★★★★

"The estimate was honest and the result beat it. Debt-free two years sooner than I imagined."

Ryan P.
Mesa, AZ
Saved $13,450
Good questions

Everything you're wondering

How does Resolve actually reduce my debt?+
You make one affordable monthly deposit into an account you control. As it builds, our specialists negotiate with your creditors to settle your balances for less than the full amount, then pay them from that account. You end up resolving your debt for a fraction of what you owed.
How much can I actually save?+
It depends on who you owe and how much, but members reduce enrolled balances by an average of 43% before fees. Use the estimate tool above for a personalized ballpark, then a specialist confirms real numbers with you.
Will this hurt my credit?+
Checking your options is a soft inquiry and won't affect your score. Enrolling can impact your credit while accounts are negotiated, but most members see it recover as balances resolve. We're upfront about the trade-offs before you commit to anything.
What does it cost?+
There are no upfront or enrollment fees. You only pay a performance fee once we've actually reduced and settled an account, so you see results before you pay for them.
How long does a program take?+
Most Resolve programs run 24 to 48 months depending on your balances and monthly deposit, often years faster than making minimum payments on your own.
Which debts qualify?+
Most unsecured debts: credit cards, medical bills, personal loans, collections, retail financing, and personally-guaranteed business debt. Secured debts like mortgages and auto loans aren't eligible because they're tied to collateral.

Ready to resolve your debt?

Get a free, no-pressure assessment in minutes. See what you'd save, what you'd pay, and how fast you'd be free.

Free and no obligation
Won't affect your credit to check
No upfront fees

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Two minutes. Zero pressure.

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