Vantage is a free two-minute screening that evaluates your situation against the strict requirements real debt settlement programs use, starting with $10,000+ in unsecured debt. Qualify, and one partner rated 4.9+ reaches out with a real estimate. Don't, and we tell you straight.
Free · No credit check to apply · No obligation · Your info goes to one vetted partner, nowhere else
in unsecured debt: credit cards, medical bills, personal loans. This is a strict minimum; below it, settlement programs don't take the case and neither do we.
Credit cards, medical, personal loans. Mortgages, auto loans, and federal student loans don't qualify.
Programs fit people struggling with payments, not people comfortably current who want a discount.
That's the whole screening. Plain questions, and it explains settlement as you go.
Three steps, no surprises. You'll know where you stand before anyone has your phone number.
Plain questions about what you owe, what kind of debt it is, and where payments stand. It doubles as a crash course in what settlement actually is, so nothing on the follow-up call surprises you.
Your profile is evaluated against the strict requirements settlement programs use: $10,000+ unsecured, payments you genuinely can't sustain. Miss the bar and we say so. Your info goes nowhere.
Qualify, and a debt settlement company rated 4.9+ on BBB or Trustpilot reaches out with a free, real estimate for your specific debts. You decide from there. Vantage never calls to sell you anything.
Debt settlement is a real tool with real costs. Read this before you fill anything out. If the cons scare you more than the debt does, it's not your move.
Principal reduction. Settlements resolve unsecured debts for less than the full balance. The estimate for your debts comes from the partner's free review, not a made-up website number.
One affordable deposit. Instead of juggling minimums across cards, you fund a single monthly program deposit sized to your budget.
An end date. Programs typically run 24-48 months. A defined finish line instead of decades of minimum payments.
No new debt. This is not a loan or a consolidation product. Nobody lends you money.
Temporary credit impact. Your score typically drops during negotiation while accounts go delinquent, and recovers as debts settle. If your credit is already strained, this is the trade-off to weigh.
Creditors can push back. While you stop paying, collection activity, and in some cases lawsuits, remain possible until a debt settles.
Fees on settled debt. Settlement companies charge a percentage of debt they actually settle. By law, it's never upfront, but it's real money, and the partner must spell it out first.
Possible tax bill. Forgiven debt can be treated as taxable income. A tax professional can tell you what applies to you.
Free, no obligation, no credit check to take it. If your profile meets the requirements, one 4.9+-rated partner follows up with a real estimate.
No. Nobody lends you money. Debt settlement means a company negotiates with your creditors to accept less than the full balance on unsecured debt, while you make one monthly deposit you can afford.
It goes to one vetted debt settlement partner so they can review your situation and contact you. That's the entire purpose of the form. We don't sell it to call lists or shop it around.
Taking the screening won't. There's no credit check. Enrolling in a settlement program can lower your score while you're in it; the trade-offs section above covers exactly that.
Vantage is free, and so is the consultation. Settlement companies charge a fee only on debt they actually settle, by law, never upfront. The partner spells out their fees before you agree to anything.