The Debt Relief Experts

How 1Debt Free Works

Partner with 1Debt Free for faster, easier debt relief.

Reduce what you owe

Be debt-free faster

Pay less each month

I’ve had the best experience with 1Debt Free. It’s been so easy. They take care of everything! I would recommend 1Debt Free to anyone and everyone!

—Jennifer, current 1Debt Free client

A flexible way to resolve your debt without bankruptcy

What is debt relief?

Sometimes called “debt resolution,” “debt negotiation,” or “debt settlement,” debt relief is a way to reduce your debt in exchange for a lump-sum payment to your creditors. Debt relief focuses on getting you out of debt for a percentage of what you owe by negotiating with the creditor to only pay back a portion of the outstanding balance. In exchange, the creditor or collector discharges whatever is left. As a result, debt relief is often the fastest, cheapest way to get out of debt without declaring bankruptcy for many consumers.

  • Good credit not required
  • One low monthly program payment
  • Erase late payments & fees
  • No upfront settlement fees
See if you qualify

The debt relief process

What is debt relief?

  • Get a Free Debt Analysis

    Let’s talk about your debt goals. During a phone consultation, you’ll talk to one of our Certified Debt Consultants. They’ll review your debts, explain various debt options available to you, and determine if you could qualify for our program. If you do, they will work with you to customize a program that fits your budget and achieves your goals.

  • Save

    After you enroll, you take the money you would have paid to creditors and instead save it in an FDIC-insured dedicated account that you control. This money will be used later to pay settlements to your creditors and the fees related to the program.


    As soon as you save enough funds in your dedicated account, our negotiation experts get to work. We reach out to your creditors and try to get them to settle for less than the full amount to consider your debt paid. Our goal is always to get you the best results possible.


    Once your creditor has agreed to a settlement, we send the terms to you for your approval. As soon as you approve the terms, funds are processed from your dedicated account to pay the settlement to the creditor and the negotiation fee to 1Debt Free. Now that debt is behind you.

    Repeat until all your enrolled debts are settled

  • Debt Free

    When all enrolled debts go through this process, you finish the program and are debt free!

See if you qualify

Our debt relief program can help with some types of debt, but not all

We can successfully negotiate:

  • Credit card debt
  • Medical debt
  • Personal loan debt
  • Department store credit debt

We are not able to negotiate:

  • Federal student loan debt
  • Mortgages
  • Auto loans
  • Utility bills
  • Taxes
  • Lawsuits

Have more questions? Call us at 800-559-1420

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