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We only profit when you save.

Resettle Your Debt. We Negotiate. You Save.

Other companies charge 20–25% of your total debt regardless of results. We charge 25% of what we actually save you — so we fight for every dollar, because the more you save, the more we earn. Follow your plan, and we’ll get you debt-free.

No upfront fees. No obligation.

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Find out how much you could save — no obligation, 100% confidential. We will never sell your data.

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People become debt-free in 24–48 months on average

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Our Services

How We Help You Get Debt-Free

Debt Settlement

We negotiate with creditors to reduce your unsecured debt by 30–50%.* Pay less than what you owe and get a fresh start.

*Results vary. Not all debts are eligible.

Personalized Plan

Every situation is different. We build a custom strategy tailored to your debts, your budget, and your goals — completely free during your consultation.

Expert Guidance

Dedicated debt specialists with you every step of the way, from consultation to settlement.

Why We’re Different

Not All Debt Settlement Companies Are the Same

Most debt settlement companies charge 15–25% of your total enrolled debt — whether they negotiate a great deal or a mediocre one. Their fee stays the same no matter what.

We do it differently. Our fee is 25% of the amount we actually save you. That means the harder we negotiate, the more we earn — so our success is directly tied to yours. It’s a model built on trust, not just profit.

Other Companies

Charge 15–25% of your total debt

$50K debt = $7,500–$12,500 in fees regardless of result

The Resettle Group

25% of what we actually save you

$50K debt settled at $25K = $6,250 in fees

Debt Settlement vs. Bankruptcy

Why Work With Us Instead of Filing for Bankruptcy?

Bankruptcy might seem like the only way out — but for most people, debt settlement is a faster, less damaging path to financial freedom.

Financial planning documents and calculator

Bankruptcy

  • Stays on your credit report for 7–10 years
  • Public court record — anyone can see it
  • May lose assets like property or vehicles
  • Expensive attorney and court filing fees upfront
  • Difficult to get approved for credit, housing, or jobs afterward
  • Emotionally stressful court process

Debt Settlement with The Resettle Group

  • Resolve debt in 24–48 months — then move on
  • Completely private — no public record
  • Keep all your assets — we just negotiate what you owe
  • No upfront costs — our fee is 25% of what we save you, charged only after settlement
  • A dedicated specialist who handles everything for you
  • We’re motivated to negotiate as low as possible — our fee is only on what we save you

Bankruptcy should be a last resort. If you have unsecured debt, there’s a better way. Talk to us first — your consultation is completely free.

Book a Free Consultation

See Your Savings

How Much Could You Save?

Here’s what debt settlement looks like at different debt levels. Our fee is 25% of what we save you — and you pay nothing until we deliver results.

Total Debt

$15,000

across 3 accounts

If we negotiate 35% off

You’d pay creditors $9,750
Amount saved $5,250
Our fee (25% of savings) $1,313
Your total savings $3,938

If we negotiate 50% off

You’d pay creditors $7,500
Amount saved $7,500
Our fee (25% of savings) $1,875
Your total savings $5,625

Total Debt

$40,000

across 7 accounts

If we negotiate 35% off

You’d pay creditors $26,000
Amount saved $14,000
Our fee (25% of savings) $3,500
Your total savings $10,500

If we negotiate 50% off

You’d pay creditors $20,000
Amount saved $20,000
Our fee (25% of savings) $5,000
Your total savings $15,000

Total Debt

$115,000

across 9 accounts

If we negotiate 35% off

You’d pay creditors $74,750
Amount saved $40,250
Our fee (25% of savings) $10,063
Your total savings $30,188

If we negotiate 50% off

You’d pay creditors $57,500
Amount saved $57,500
Our fee (25% of savings) $14,375
Your total savings $43,125

Your Debt

$0

across 5 accounts

Enter your total debt above to see your personalized savings breakdown.

*Estimates are based on average negotiation success rates and assume all debts are eligible and the program is followed to completion. Actual results may vary.

Start Your Plan Today It’s Free*

These are illustrative examples only. Actual savings depend on individual circumstances, creditor negotiations, and program completion.

Before You Choose

Questions to Ask Any Debt Settlement Company

Not all companies have your best interests in mind. Before signing up with anyone, ask these questions — and see how we answer every one.

Person reviewing important documents with a checklist
What are your total fees, and when do I pay them?
Our answer: Our settlement fee is 25% of the amount we save you — charged only after a successful settlement. No upfront settlement costs. You pay nothing to us until we deliver results. Our fees are spread proportionally across your monthly settlement payments, so instead of one large charge, a small portion is collected each month alongside your creditor payments — designed to have the least impact on your budget. Your dedicated escrow account has a small monthly service fee ($10.95/mo) charged by the third-party account administrator — see our pricing page for full details.
Can you give me a written breakdown of all costs — in dollar amounts, not just percentages?
Our answer: Absolutely. We’re fully transparent. Before you enroll, we’ll walk you through exactly what your fee would be in real dollar amounts based on your specific debt. No surprises.
What happens to my money if I drop out of the program?
Our answer: Any funds in your dedicated account that haven’t been used for a settlement are yours. You can cancel within 3 days of signing up with no questions asked, and you’re never locked into the program.
What is your actual completion rate for clients who finish the program?
Our answer: We’re proud of our track record. We’re happy to discuss our completion rates during your free consultation — if a company dodges this question, that’s a red flag.
How long will this process take from start to finish?
Our answer: Most clients complete their program in 24–48 months, depending on the amount of debt and individual circumstances. Some accounts can be settled in as little as a few months.
What percentage of debts do you typically settle for?
Our answer: We typically negotiate debts down by 30–50% of the original balance. Every situation is different, but we fight hard because our fee is tied directly to how much we save you.
Exactly how will this affect my credit score, and for how long?
Our answer: Debt settlement can negatively impact your credit score. Settled accounts may remain on your credit report for up to 7 years. However, resolving debts can improve your financial position long-term. It’s generally less damaging than bankruptcy, which stays on your record for 7–10 years.
Will I receive collection calls, and how many should I expect?
Our answer: You may receive calls from creditors during the process. We’ll coach you on how to handle them, and as negotiations progress, those calls typically decrease. Your dedicated specialist is always available to help.
What are the chances I’ll be sued by a creditor during this process?
Our answer: While it’s possible, lawsuits are not common and we work to minimize that risk. If it does happen, we’ll guide you through your options. We’re upfront about this risk — any company that tells you it can’t happen isn’t being honest.
Who controls the settlement account where my money is saved?
Our answer: You do. Your dedicated settlement account is in your name and you maintain full control. We never have direct access to withdraw your funds without your authorization.
Can I withdraw my money from the settlement account at any time?
Our answer: Yes. It’s your money and your account. You can access it at any time. We’ll never hold your funds hostage.
How often will I receive updates on my account and negotiations?
Our answer: You’ll have 24/7 access to your live portal at app.myresettle.com to check your status anytime. You can also enable free email and text notifications directly from your portal, so you’re always in the loop on your terms.
How do I know I can trust you?
Our answer: We’re registered in every state where we operate and fully comply with the FTC Telemarketing Sales Rule — which means we can’t charge you a penny until we actually settle your debt. Our pay-for-performance model means our success is tied directly to yours.
What happens if you can’t settle one or more of my debts?
Our answer: If we can’t settle a particular debt, you don’t pay us a fee on it. Remember — we only get paid on successful settlements. We’ll work with you to explore alternative options for any debts that can’t be settled.
Is the fee based on what you save me — or on my total enrolled debt?
Our answer: Our 25% fee is calculated only on the amount we negotiate off your debt — not your total balance. It is charged only after a successful settlement. Most companies charge 15–25% of your total enrolled debt. Our model means we’re incentivized to save you as much as possible.
Do you give clients access to a live portal to track their progress?
Our answer: Yes. Every client gets access to app.myresettle.com — our live portal where you can see your account status, track negotiations, and monitor your progress 24/7.
Will I get a dedicated specialist — or be passed around a call center?
Our answer: You’ll work with a dedicated specialist who knows your situation inside and out. We’re not a call center — we’re a dedicated US-based team who genuinely cares about your outcome.

The Resettle Group has an answer for every one — and we check every box.

If your current company can’t say the same, it might be time to switch.

The Process

Three Simple Steps to Freedom

Friendly consultation with a debt specialist
1

We Build Your Plan

Tell us about your situation. We’ll review your debts and build your personalized Debt Freedom Plan — completely free, no obligation.

Professional negotiation and handshake
2

We Negotiate

Our specialists negotiate directly with your creditors to significantly reduce the total amount you owe.

Happy person celebrating financial freedom
3

You Save

Watch your debt shrink. Most clients save 30–50% on their total debt and become debt-free in 24–48 months. Results vary. Not all debts are eligible.

30-50%

Average Debt Reduction*

25%

Fee on Savings Only

24-48

Months to Debt-Free*

100%

Dedicated Support

*Results vary. Not all debts are eligible. Timelines depend on total debt, monthly savings, and creditor response — some clients finish faster, others take longer.

100% HUMAN NO AI - NO BOTS

100% Human. No AI Will Contact You.

When you call us, a real person answers. When we reach out, it’s a real debt specialist — not a bot, not a script, not AI. Your financial situation deserves human attention, and that’s exactly what you’ll get.

Real phone calls Real specialists Real results

Our Team

100% US-Based Team

Every member of our team is based in the United States and IAPDA Certified. When you call us, you speak directly with a qualified debt specialist — no outsourcing, no runaround.

IAPDA Certified Debt Specialists

Lead Debt Specialist

Lead Negotiator

IAPDA Certified

Client Success Manager

Your Dedicated Point of Contact

IAPDA Certified

Senior Debt Negotiator

Fighting for the Best Settlement for You

IAPDA Certified

FAQ

Common Questions

What types of debt can you settle?
We specialize in unsecured debt including credit cards, medical bills, personal loans, private student loans, and collection accounts. We cannot settle secured debts like mortgages or auto loans.
How much does it cost?
You pay no settlement fee until we successfully negotiate and settle your debt. There are no upfront fees and no retainers. Our fee is 25% of the amount we actually save you — not a percentage of your total debt like most companies charge. That means our incentives are aligned with yours: the more we negotiate down, the more we both benefit. The industry average is 15–25% of your total enrolled debt, making our model dramatically more affordable. Your dedicated escrow account has separate service fees charged by the third-party administrator — see our pricing page for full details.
How long does the process take?
Most clients complete their program within 24 to 48 months, depending on the amount of debt enrolled and individual circumstances. Some accounts can be settled in as little as a few months.
Will this affect my credit score?
Debt settlement can negatively impact your credit score. Settled accounts may remain on your credit report for up to 7 years. However, resolving debts can improve your financial position long-term.
What makes The Resettle Group different?
We’re registered in every state where we operate and fully comply with the FTC Telemarketing Sales Rule. We take a personal approach — you’ll work with a dedicated specialist, not a call center. We genuinely care about your financial wellbeing.
Is debt settlement right for me?
Debt settlement is typically best for people with $7,000 or more in unsecured debt who are struggling to make minimum payments. The best way to find out is to schedule a free, no-obligation consultation with us.

For Professionals

Attorneys & CPAs

Your clients trust you with their financial wellbeing. When they’re struggling with debt, connect them with a team you can count on.

Attorney reviewing legal documents

For Attorneys

When your clients face overwhelming unsecured debt, bankruptcy isn’t always the best path. Debt settlement can be a faster, less damaging alternative — and we make it easy for you to refer with confidence.

  • State-registered, FTC TSR compliant
  • Transparent process — your clients stay informed
  • Dedicated point of contact for referring professionals
Financial advisor working with client

For CPAs & Financial Advisors

When clients come to you with unmanageable debt, you can offer them a real solution. Our program helps reduce their total debt by 30–50%, improving their financial picture and strengthening your client relationship.

  • 25% fee on savings — not total debt like competitors
  • Regular progress updates you can share with clients
  • Performance-based — our fee is only charged after a successful settlement

Professional Network

Collaborate With Us

We work alongside attorneys, CPAs, and financial advisors who want a trusted debt settlement option for their clients. If you’d like to learn more about how we can support your clients together, we’d love to connect.

Get in Touch Call (888) 207-1709

Important Disclosures

Before enrolling in our debt settlement program, please understand the following:

1.

Fees: Our fee is 25% of the amount we save you. This fee is charged only after each individual debt is successfully settled and you have approved the settlement. No upfront fees are ever charged.

2.

Timeline: Most programs take 24–48 months to complete. This is a good-faith estimate; individual results vary based on your total debt, number of accounts, and creditor negotiations.

3.

Savings Threshold: You will typically need to accumulate approximately 30–50% of each debt balance in your dedicated account before we can make settlement offers to your creditors.

4.

Consequences: Stopping payments to creditors may result in creditor lawsuits, continued collection activity, late fees, penalty interest, and negative credit reporting that can remain on your credit report for up to 7 years. Your accounts may also be transferred to third-party debt collectors. Creditors may continue to charge interest and fees on your accounts during the program.

5.

Your Funds: Your funds are held in an FDIC-insured dedicated account that you own. You may withdraw your funds at any time without penalty.

Person reviewing financial paperwork at a home desk

Ready for Your Debt Freedom Plan?

Get your personalized Debt Freedom Plan in minutes — no pressure, no obligation, no upfront fees.

Start Your Plan Today It’s Free* Call Us

*No upfront settlement fees. Our settlement fee is 25% of the amount we save you — charged only after a successful settlement. Escrow account service fees apply separately. You can cancel any signup within 3 days. See pricing for details.

Resettle your debt. Resettle your life.