Feel free to enjoy the important things in life

Check if you qualify for credit card relief

Select Your Debt Amount


Or Talk to a Certified Debt Consultant

What State Do You Live in?


Request Free Debt Options

By submitting, you agree that the phone number you are providing may be used to contact you by One U.S. Financial (including autodialed and prerecorded calls or text/SMS messages). Msg. and data rates apply. You are not required to opt in as a condition of purchase.

icon Live chat Live chat

Our Debt Relief Options

check icon

Debt Settlement

If you are looking to get rid of your debt as fast as possible, then this is the best option for you. In the debt settlement process, our expert debt negotiators work with your creditors to make deals to settle your debt. Oftentimes, creditors are willing to settle the debt for significantly less than the amount you owe because they just want to make sure they can get paid a reasonable amount of money before they close the account. This is also usually the least expensive way to get out of debt.

check icon

Debt Consolidation

Debt consolidation is when all of your loans are combined into one single loan. There are several advantages to this option. The first is that the payments are easy to make; instead of having to make multiple individual payments per month, you will only have to make one. This reduces stress and decreases the likelihood of you accidentally missing a payment. The second key benefit of debt consolidation is that it is usually possible to get a far better interest rate. Having a lower interest rate for your debt can save you an incredible amount of money in interest payments over the years.

check icon

Credit Counseling

The credit counseling process involves one of our professionals giving you advice on how to save money, budget, manage your debt, etc. Oftentimes, one of the biggest reasons why people get into debt in the first place is because they never learned effective money management skills. Credit counselors may also negotiate lower interest payments for your debt with your creditors. This option will not reduce nor eliminate the amount of debt.

check icon


Filing for bankruptcy should only be considered as a last resort. This is because filing for bankruptcy can have long-lasting negative effects on your credit score. Also, bankruptcy does not necessarily eliminate all types of debt. For example, many types of student loans are exempt from bankruptcy and will still have to be repaid even if you file for bankruptcy. But, bankruptcy can eliminate other types of debt such as medical debt, credit card debt, and personal loans. If you think this is the option for you, consult with a bankruptcy lawyer.

Quick Guide to COVID Debt Relief

The COVID-19 pandemic has put tens of millions of people around the world into difficult financial situations. As a result, many people have to be significantly more careful about debt and financial decisions than they usually are. Here are some of the top simple debt mistakes that should be avoided during the COVID-19 pandemic.

Learn more

Staying Out of Debt Guide

If you’re looking for the right solution to your debt problems, look no further. We have helped thousands of people just like you learn how to pay off debt fast, and we can help you too! Our customized plans are the perfect way to find debt relief fast.

Learn more

Debt Settlement: The Path to Debt Relief

One quick search of the headlines is likely to reveal that millions of households are struggling with credit card debt. It’s more common than you think it is, and struggling to pay it off can mean getting into a vicious cycle. You may take one step forward only to find yourself several steps back a week later. Is there any hope in sight? Outside of bankruptcy, is there actually anything you can do about your overwhelming debt problems?

Learn more