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How our

Debt Relief Program Works

Debt settlement the most effective ways to put your credit card debt behind you without paying the full amount owed. Our debt relief experts negotiate with your creditors to settle for much less than the full amount you owe, so you can resolve your debt for less money and time than other debt solutions.

As a debt relief company with a team that has a combined experience of more than 50 years, we know how to create a custom debt relief program that gets you the best possible results.

There are 4 steps in the Debt Defenders program:

Grow Your Account

Make a deposit monthly into an FDIC-insured savings account that you control. As your account grows, we prepare a custom plan to settle your debts.

Negotiate Your Debts

After enough funds are built up in your account, our debt relief experts negotiate with your creditors to settle your debts for significantly less than you owe.

Settle Your Debts

Our expert negotiators work hard to get you the best possible savings. Every time a settlement amount is reached, we contact you for authorization and approval.

Live Debt Free

After all of your debts are settled, you no longer owe your creditors and your days of credit card debt are behind you!

Every step of the way, our friendly customer service representatives are ready to answer your questions and offer support. Complete our simple online form to get started today.

FAQ

How does Debt Defenders’ program work?

Our debt relief program is available to Americans who have a minimum of $7,500 in unsecured debt. This includes credit card debt, medical bills, and personal loans. The program was designed for people who have problems paying their debt and need a debt relief solution.

After evaluating your debt, Debt Defenders designs a program to help you get out of debt as quickly as possible. You will make monthly deposits into a dedicated savings account. This money will be used to pay your creditors. While the money accumulates, Debt Defenders will begin the negotiation process. If you agree to the settlement, the money will come directly out of the dedicated account.

How long is the program?

Most of our clients are debt-free in 24–48 months. The total time depends on your total debt and the monthly total you are able to pay.

Will I be completely debt-free at the end of the program?

Debt Defenders’ debt relief program will help you settle your unsecured debt. It is possible to settle all of your unsecured debt by the end of the program. However, the program does not address your secured debt. Many of our clients find that once they are out from under their credit card bills and other unsecured debt, they can tackle their secured debt. They begin making bigger payments on the secured debt and clear it out, as well.

Does this program work with any type of debt?

Debt Defenders’ debt relief program can be used to settle unsecured debt, such as credit cards and medical bills. You cannot use it for federal student loans or secured debt. Secured debt includes mortgage loans and automobile loans.

Testimonials

I had over $30,000 in credit card debt when I contacted Debt Defenders. We worked out a 3-year program where my payments were comfortable enough for me to make every month. After 6 months they settled my first debt at just 30% of what I owed! AMAZING! Now I'm completely out of debt and saved thousands and thousands of dollars. I've recommended them to a friend of mine who is halfway through her program and we just can't believe how good of a service this is. The best part is they guarantee their service by only taking payment whenever they settle a debt. I loved their transparency and ease of communication throughout the process. Thank you!

I was making payments for years and not making a dent in my credit card debts because of interest rates. A few of my cards I had no choice but be late on payments and they pushed my interest rate to over 25%. I needed a way out and found Debt Defenders in my Google search. They told me they could get me debt free in 4 years. At first, I didn't believe it but because they guaranteed to only take a fee with a successful settlement I thought "why not give it a try." Then, as promised, they started eliminating one debt at a time. Now over 4 years later, I'm entirely debt-free and it was so affordable the whole time. I can't recommend Debt Defenders' settlement services enough.

My medical bills and credit cards were killing me after a few hospital visits half a decade ago. I felt I was at my wits' end. Looked through a few debt relief solutions and ended up going with Debt Defenders' because of their no-fee without results guarantee. Best decision of my life! With a 3 year program, they were able to set me up with a very reasonable monthly payment program and settled every medical and credit card bill for a fraction of what I owed. I haven't felt this free in years and now I have extra money every paycheck. Thank you so much!