How FixDebtUSA works

From your first click to your last payment. Here is exactly what to expect when you start your journey to becoming debt-free.

Trusted

Nationwide

Real

Lasting relief

4.9/5

Client rating

Three simple steps
to debt freedom

A streamlined journey designed around you. No paperwork mountains, no confusing jargon.

Step 01

Tell us about your debt

Answer a quick 60-second questionnaire about how much you owe, what types of debt you have, and your situation.

Takes about 60 seconds
Always free
100% confidential

Step 02

Get matched with a specialist

We match you with a certified debt expert from our trusted partner network. They review your situation and design a custom plan for you.

Real human consultants
No-pressure conversation
Personalized to your goals

Step 03

Start saving on your debt

If you choose to move forward, your specialist begins negotiating with creditors on your behalf. You make one affordable monthly payment.

Reduce balances by up to 50%
Stop collector calls
Be debt-free in 24 to 48 months

Built on trust at every step

Real safeguards, not marketing fluff. Here is what protects you from day one.

100% confidential

Your information is encrypted and only shared with the specialist matched to your case.

100% private

Bank-level security

Your data is encrypted and never sold.

256-bit encryption

No obligation

Get your estimate and walk away if it is not right for you.

$0 to get started

Always free for consumers

We are paid by our partner network, not by you.

100% free for you

Got questions?

The most common things people ask before getting started. Straight answers, no fine print.

See all FAQs

How long does the process take?

Most consultations take 15 to 20 minutes. If you enroll, debt resolution typically takes 24 to 48 months.

Will this hurt my credit?

Some debt relief programs may temporarily affect your credit score, but most clients see improvement once their debt is resolved. Your specialist will walk you through the expected impact for any program you consider.

How much can I save?

Savings vary, but many clients reduce their enrolled debt by up to 50% before fees. Your free estimate will show what is possible for you.

Is there a fee?

Our service is 100% free for consumers. Our partner debt-relief providers may charge a performance-based fee only after they save you money.

Takes under 60 seconds

Ready to take the first step?

Find out how much you could save in under 60 seconds. Always free, 100% confidential, and no obligation to enroll.

See My Free Estimate Got questions?

100% confidential
No obligation
Always free for you

Average Client

50%

debt reduction before fees

24–48Months
$0Upfront