We negotiate directly with your creditors to reduce what you owe — often by 40–60% — and consolidate the rest into one manageable monthly program. No judgement. No pressure. Just a clear plan.
Whether you're facing collection calls, mounting interest, or the fear of legal action, our negotiators work on your behalf with the same creditors you've been trying to reason with alone. You get one named specialist, a written fee schedule, and full control over every settlement offer before it is finalised.
Illustrative snapshot of a 30-month settlement program. Individual results vary.
Every situation is different. We start by understanding yours, then build a strategy that actually fits your income — not a generic template.
Below are the four core services we provide. Most clients use two or three of them together, depending on their balances, creditor mix and long-term goals.
We negotiate lump-sum settlements with creditors and collection agencies, aiming to reduce balances 40–60% below what you currently owe. Each offer is presented in writing for your approval before any money moves.
Combine multiple high-interest accounts into a single, predictable monthly payment so you can finally see the finish line. We help you compare rates, terms and lender reputations before you commit.
We handle the calls, the letters and the pressure. You get one point of contact instead of a dozen aggressive collectors — and we keep a dated log of every interaction in case you ever need it.
Budgeting, hardship planning and credit rebuilding guidance so you stay debt-free once the program ends. Our coaches work with you on the habits that got you here in the first place.
Debt settlement is not for everyone. Here is an honest look at who tends to benefit most — and who should explore other options first.
If you're unsure where you land, the free assessment will give you a clear answer in plain English, with no obligation to enrol.
Before choosing settlement, understand how it stacks up against the other common paths out of unmanageable debt.
The table below compares five methods across the factors that matter most: how they work, their credit impact, total cost, and typical timeline.
| Method | How It Works | Credit Impact | Total Cost | Timeline |
|---|---|---|---|---|
| Debt Settlement | Negotiate balances down 40–60% | Significant short-term | Repay less than owed | 24–48 months |
| Debt Consolidation | Refinance into one lower-rate loan | Minimal, often positive | Full balance + interest | 36–60 months |
| Balance Transfer | Move balances to 0% APR card | Minimal, short-term | Transfer fees only | 12–21 months |
| Credit Counseling | Nonprofit manages a repayment plan | Moderate, no settlement | Full balance + reduced interest | 36–60 months |
| Chapter 7 Bankruptcy | Court discharges qualifying debt | Severe, 7–10 years | Attorney fees + filing | 3–6 months |
Settlement is a negotiated reduction of your total balance. You stop paying the minimums, build a settlement fund instead, and your negotiator approaches each creditor once there's enough capital to make a credible lump-sum offer.
Typical reductions range from 40% to 60% of the enrolled balance, though this varies widely by creditor, account age and how delinquent the account is. Accounts sold to debt buyers often settle at the deepest discounts because the buyer purchased the debt for cents on the dollar.
Consolidation replaces multiple high-interest debts with one new loan — usually a personal loan, home equity line or balance-transfer card. You still repay 100% of the principal, but ideally at a much lower blended interest rate.
This is the better option for anyone who can still qualify for a lower rate and hasn't fallen seriously behind. It preserves your credit score and may even improve it, because you're adding a positive installment tradeline and reducing revolving utilisation.
Nonprofit credit counselling agencies (often called Consumer Credit Counseling Services) negotiate reduced interest rates with your creditors and manage a single consolidated payment on your behalf. The balances themselves are not reduced.
This is a good middle path for people who can still make meaningful monthly payments but need structure and lower interest. It typically requires closing all enrolled accounts, which limits your ability to use credit during the program.
Chapter 7 bankruptcy discharges most unsecured debt entirely, usually within 3–6 months. Chapter 13 reorganises debt into a 3–5 year repayment plan, often protecting a home or vehicle from foreclosure.
Bankruptcy is a powerful tool but carries the longest credit impact — 7 to 10 years on your report. It should be evaluated with a licensed bankruptcy attorney who can review your assets, income and state exemptions. We can refer you if needed.
Comparison is illustrative. The right choice depends on your debt type, state of residence, income stability and long-term financial goals. We do not provide legal or bankruptcy advice — consult a licensed professional.
One flat monthly program fee. No upfront charges, no cancellation penalties, and you can pause or leave at any time.
Your exact fee is disclosed in writing before you enrol. If a creditor refuses to settle, you pay no fee on that account.
For smaller balances you want resolved quickly.
Best for $2,500 – $7,500 enrolled debt
Start EssentialOur balanced program for most households.
Best for $7,500 – $25,000 enrolled debt
Start PremierHigh-balance and multi-creditor cases.
Best for $25,000+ enrolled debt
Start EliteEvery plan — from Essential to Elite — includes the same core protections and services.
We are upfront about the fees and practices you will not see from us.
Our fees are earned only as settlements are negotiated and approved by you — never before. This complies with the FTC Telemarketing Sales Rule.
Program fees are estimates based on enrolled debt and case complexity. Your exact fee is disclosed in writing before you enroll — and you never pay a fee before a debt is settled.
Results vary by creditor, balance and program length — but these are the outcomes our clients work for.
Every story below is from a verified client, with permission. Names are shortened for privacy.
“I was drowning in four maxed-out cards and constant calls. Sixteen months later three of them settled and my phone is finally quiet.”
$28,400 enrolled · $16,900 settled
“They explained everything before I signed anything. No pressure, no upsell. My specialist actually answered the phone.”
$11,200 enrolled · $6,100 settled
“After a layoff we were three months behind. The hardship plan they negotiated bought us the breathing room we needed.”
$42,000 enrolled · $23,800 settled
A few of the things people ask us most. See the full list on our FAQ page.
Settlements are typically reported as “settled for less than the full balance,” which can lower your score in the short term. Most clients see meaningful recovery within 12–24 months of completing the program, and we give you a rebuild plan at no extra cost.
No. Your initial assessment is completely free, and program fees are only charged as settlements are negotiated and approved — never before. This complies with the FTC Telemarketing Sales Rule, which prohibits advance fees for debt relief services.
Most clients complete between 24 and 48 months, depending on total enrolled debt and the monthly amount they can comfortably commit.
Yes. You may cancel at any time with written notice. Funds in your dedicated settlement account remain yours and are returned to you minus any fees already earned on completed settlements.
No credit check to start, no obligation, and no sales pressure. Just an honest look at where you stand and what your options are.
Solvency Resolution was founded to give ordinary households the same negotiating power that banks have always had.
In 2011 our founder was helping a family member dig out from $47,000 in medical and credit card debt. The banks wouldn't budge for one person — but they listened when someone who understood the system called on her behalf.
That single case turned into a small practice, then a team of negotiators, analysts and coaches. Today Solvency Resolution has helped more than 18,000 households restructure debt they were told they'd never escape.
We are not a law firm and we don't pretend to be. We are negotiators, analysts and educators — and we are transparent about exactly what we can and cannot do. Every fee is disclosed in writing. Every settlement requires your approval. Every client gets a named specialist, not a call queue.
These aren't marketing lines. They're operational rules that shape how we hire, how we train, and how we interact with every client.
Plain-language agreements, itemised fees and honest timelines. If something isn't right for you, we say so — even when it means losing the sale.
We only earn when a settlement is actually negotiated and approved by you. That keeps our incentives aligned with yours.
One named specialist per client. No call-centre roulette, no scripts, no judgement about how you got here.
Settling is only half the job. We coach you through the rebuilding phase so you never end up back here.
Debt relief is a heavily regulated industry. Here is a plain-English summary of the rules that govern how we operate.
If you ever have questions about our compliance posture, ask your specialist — we're happy to put anything in writing.
We do not charge any fee before a debt is settled, and we do not make misrepresentations about savings or outcomes. All verbal promises must be backed by written documentation. This rule applies to every call, email and text we send.
We are registered to operate in states where debt relief services require licensing, and we do not accept clients in states where our services are not permitted. Your specialist will confirm availability before you enrol.
We follow federal consumer protection rules introduced under Dodd-Frank and the Consumer Financial Protection Bureau, including truthful advertising and prohibition of unfair or deceptive acts. We keep documented records of every client interaction.
We are not attorneys and we do not provide legal, tax or bankruptcy advice. Where those services are needed, we refer clients to licensed professionals. This protects you and keeps our role clearly defined.
Our negotiators average nine years in creditor relations and consumer finance. Each client is assigned one named specialist for the life of their program.
Head of Negotiations
Fifteen years negotiating consumer settlements across the major national creditors, including three of the top five issuers. Elena trains every new negotiator on our hardship-first approach.
Director of Client Success
Builds the hardship strategies that keep programs affordable when life changes mid-plan. David's team handles the vast majority of account pauses and payment adjustments.
Lead Financial Coach
Guides clients through budgeting and the credit rebuild phase after settlement. Sofia designed our post-program rebuild checklist used by every graduate.
Your assessment is free, confidential and comes with no obligation to enrol.
Pick the program that matches your enrolled debt. Every plan includes negotiation, settlement administration and a dedicated specialist.
For smaller balances you want resolved quickly.
$2,500 – $7,500 enrolled debt
Get StartedOur balanced program for most households.
$7,500 – $25,000 enrolled debt
Get StartedHigh-balance and multi-creditor cases.
$25,000+ enrolled debt
Get StartedEvery plan includes the core negotiation service. Higher tiers add advocacy, document review and post-program coaching.
| Feature | Essential | Premier | Elite |
|---|---|---|---|
| Monthly program fee | $89 | $189 | $329 |
| Enrolled debt range | $2.5K – $7.5K | $7.5K – $25K | $25K+ |
| Dedicated specialist | ✓ | ✓ | ✓ |
| Creditor negotiation | ✓ | ✓ | ✓ |
| Collection call handling | — | ✓ | ✓ |
| Hardship advocacy | — | — | ✓ |
| Legal document review | — | — | ✓ |
| Quarterly strategy calls | — | — | ✓ |
| Credit rebuild plan | — | ✓ | ✓ |
| Typical timeline | 12–24 mo | 24–36 mo | 36–48 mo |
No hidden percentages, no compound commissions. Here is exactly what you pay and when.
Your initial consultation costs nothing. We review your debts, income and goals, and give you a written estimate of what a program could save you — all before you commit.
Once enrolled, you pay a fixed monthly program fee based on your plan. That fee is earned only as settlements are actually negotiated and approved by you.
If a creditor refuses to settle, you pay no fee on that account. If you cancel mid-program, you keep every dollar in your settlement account that has not already been applied to a completed settlement.
Cancelled debt over $600 is generally reportable to the IRS on Form 1099-C. If you were insolvent at the time of cancellation, some or all of that amount may be excluded. Solvency Resolution does not provide tax advice — we recommend consulting a licensed tax professional about your specific situation.
Solvency Resolution does not provide legal, tax or bankruptcy advice. Program fees shown are estimates; your final fee schedule is provided in writing before enrolment. Results vary based on creditor participation, balance size and your ability to fund the program.
Practical, jargon-free guides on settling debt, dealing with collectors and rebuilding your finances from the ground up.
Speak with a specialist and get a clear picture of your options in minutes.
Everything you wanted to ask about debt settlement but didn't want to sit on hold for.
Debt settlement is a negotiated agreement where a creditor accepts less than the full balance owed to close an account. Instead of paying the full amount plus interest, you (or a negotiator acting for you) agree on a reduced lump sum. The remaining balance is typically forgiven.
Consolidation combines your debts into one new loan at a lower interest rate — you still repay 100% of what you owe. Settlement negotiates the balances down, so you repay less than the full amount. Settlement usually has a bigger impact on your credit score in the short term.
Yes, it can reduce your score while the program is active, because accounts are being settled for less than the full balance. Most clients begin recovering within 12–24 months after completing the program. We give every client a free credit rebuild plan at the end.
None. Your initial assessment is free and program fees are only earned as settlements are negotiated and approved by you. If we don't settle a debt, we don't charge a fee for it. This also complies with the FTC Telemarketing Sales Rule, which prohibits advance fees for debt relief.
Most programs run 24 to 48 months. The timeline depends on your total enrolled debt, the monthly amount you can comfortably commit, and how quickly individual creditors agree to terms.
In most settlement programs, funds that would have gone to minimum payments are instead deposited into a dedicated account used to fund settlements. This means accounts may fall behind while you build the fund. Your specialist will explain exactly what this means for your specific accounts before you enrol.
Creditors retain the legal right to pursue collection, including litigation, on any delinquent account. Settlement reduces that risk by getting accounts resolved, but it cannot eliminate it. If you are served legal papers, tell your specialist immediately — we can often accelerate negotiation.
In many cases, cancelled debt over $600 is reported to the IRS on Form 1099-C and may be treated as taxable income. Insolvency at the time of cancellation can reduce or eliminate that liability. We recommend speaking with a licensed tax professional about your situation — we don't provide tax advice.
Yes, at any time, with written notice. There are no cancellation penalties. Funds remaining in your dedicated settlement account belong to you and are returned, less any fees already earned on completed settlements.
We do not settle federal student loans, most secured debts (auto loans, mortgages) or court-ordered obligations such as child support. For those, we can refer you to specialist resources but we won't enrol them in a settlement program.
Savings depend on the creditor, the age of the account and how much you're able to fund. Historically our clients settle for an average of around 48% below enrolled balances before fees. We'll give you a realistic projection in your assessment — never a guaranteed number.
Yes. Your information is encrypted in transit and at rest, is never sold, and is only shared with parties required to perform the service you requested — such as a creditor or a banking partner.
Debt relief licensing varies by state. We are registered to operate in states where licensing is required, and we do not accept clients in states where our services are not permitted. Your specialist will confirm availability during your assessment.
Missing a payment will slow your settlement fund growth and may delay offers to creditors, but it does not trigger a penalty or cancellation. Contact your specialist — we can often adjust your program temporarily or place it on hold.
Fill in the form and a specialist will review your situation and get back to you — usually within one business day.
No credit check. No obligation. Your details stay private.
Please read these terms carefully before using our website or services.
Last updated: January 2026
By accessing or using this website, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please discontinue use of the site.
We provide debt negotiation and financial coaching services. We are not a law firm, a credit repair organisation, or a bankruptcy provider, and we do not offer legal, tax or accounting advice. Nothing on this website constitutes a guarantee of any specific result.
Settlement outcomes depend on many factors outside our control, including creditor participation, account age and your ability to fund the program. Any figures shown on this site are illustrative examples only and are not promises of savings.
Program fees are disclosed in writing before you enrol. Fees are earned only as settlements are negotiated and approved by you. No fee is charged before a debt is settled. You may cancel at any time in accordance with your enrolment agreement.
You may cancel your program at any time by providing written notice. There are no cancellation penalties. Funds remaining in your dedicated settlement account belong to you and will be returned, less fees already earned on completed settlements.
To the maximum extent permitted by law, we are not liable for indirect, incidental or consequential damages arising from your use of this website or our services. Our total liability is limited to the fees paid by you for services rendered.
All content on this website, including text, graphics, logos and design elements, is owned by or licensed to us and may not be reproduced without written permission.
We may update these Terms of Service from time to time. Continued use of the website after changes are posted constitutes acceptance of the revised terms.
These terms are governed by the laws of the State of Texas, without regard to conflict of law principles.
How we collect, use and protect the information you share with us.
Last updated: January 2026
We collect information you provide directly, such as your name, email address, debt details and the contents of any message you send us. We also collect limited technical data such as browser type and pages visited.
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