Debt settlement
Negotiate what you owe
MAY BE WORTH EXPLORING IF
Unsecured debt you cannot realistically repay in full, with money available to fund possible settlements.
COSTS TO COMPARE
Company fees, account costs and potential taxes
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DEBT OPTIONS
Compare what each route actually does.
Start with what needs to change. Select two or three options to compare the costs, tradeoffs and questions to ask.
Select 2–3 to compare
Debt management
Make repayment more manageable
MAY BE WORTH EXPLORING IF
You could repay principal if interest or payment terms became more manageable.
COSTS TO COMPARE
Ask about setup and monthly agency fees
Debt consolidation
Replace several debts with one loan
MAY BE WORTH EXPLORING IF
You can qualify for better overall terms and afford the new payment.
COSTS TO COMPARE
APR, origination fees and total repayment
Creditor hardship
Ask for a change in your terms
MAY BE WORTH EXPLORING IF
A job loss, illness or other disruption makes your current payment difficult.
COSTS TO COMPARE
Ask what happens to interest and existing fees
Medical bill help
Resolve the bill before financing it
MAY BE WORTH EXPLORING IF
A medical charge is unclear, disputed or more than you can afford.
COSTS TO COMPARE
Provider terms or any advocate’s fee
Tax debt options
Work through tax-specific options
MAY BE WORTH EXPLORING IF
You owe federal taxes, received an IRS notice or cannot pay the balance in full.
COSTS TO COMPARE
IRS charges and any professional fees
Business debt
Review the contract and cash flow
MAY BE WORTH EXPLORING IF
Your business is struggling with loans, credit lines or merchant cash advances.
COSTS TO COMPARE
Contract costs and adviser or attorney fees
Bankruptcy consultation
Understand court-supervised relief
MAY BE WORTH EXPLORING IF
Repayment appears unrealistic or legal collection actions need closer attention.
COSTS TO COMPARE
Attorney, filing and required-process costs
General routes, not provider offers or eligibility decisions. Order is not a ranking. See our sources and approach ↗
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