Consumer One
Consumer One
Personalized Debt Relief Solutions for Your Unique Situation
Whether you're struggling with credit card debt, medical bills, personal loans, or collections - explore your options and see if you qualify for relief programs in just 2 minutes. No impact on your credit score.
High interest rates crushing your budget? Explore debt settlement, consolidation, and hardship programs designed to reduce what you owe and lower monthly payments.
Unexpected medical expenses can devastate finances. We help negotiate medical debt, set up payment plans, and explore charity care and financial assistance programs.
Struggling with personal loan payments? We can help you consolidate multiple loans, negotiate better terms, or explore settlement options to reduce your burden.
Stop harassing calls and letters. We help you understand your rights, validate debts, negotiate settlements, and remove inaccurate items from your credit report.
Trapped in a payday loan cycle? We can help you break free with debt consolidation, settlement negotiations, and connections to affordable alternative lending options.
From retail cards to utility bills, we help with all types of unsecured debt. Get personalized solutions including consolidation, settlement, and payment plans.
Every financial situation is unique. Our specialists analyze your specific circumstances and match you with the best debt relief program for your needs.
We work with trusted debt relief partners across all 50 states, ensuring you get access to the best programs available in your area.
Get matched with a debt relief specialist within 24 hours. No waiting weeks for help - we understand debt stress and act quickly.
Our consultation is completely free. You only pay if you enroll in a program, and many programs offer affordable monthly payments.
Your information is protected with bank-level encryption. We never share your data without permission and comply with all privacy regulations.
From initial consultation through debt freedom, you'll have dedicated support. We're here to answer questions and guide you every step of the way.
Negotiate with creditors to pay less than you owe. Typically for those with significant unsecured debt ($10K+) who are behind on payments. Can reduce debt by 40-60%.
Combine multiple debts into one loan with a lower interest rate. Simplifies payments and can save thousands in interest. Best for those with good credit.
Work with certified counselors to create a debt management plan. Creditors may lower interest rates and waive fees. Good for those who can afford monthly payments.
Legal process to eliminate or restructure debt. Chapter 7 wipes out most unsecured debt; Chapter 13 creates a 3-5 year repayment plan. Last resort option.
Speak with a debt relief specialist who reviews your financial situation, debt types, income, and goals. No obligation or pressure.
Based on your situation, receive personalized recommendations for the best debt relief option - settlement, consolidation, counseling, or other solutions.
If you choose to proceed, enroll in the program. Set up your monthly payment plan and begin the process of becoming debt-free.
Your debt relief company negotiates with creditors on your behalf. As settlements are reached, debts are resolved one by one.
Complete the program and become debt-free! Most programs take 24-48 months. You'll have the financial freedom to rebuild and move forward.
Before starting, list all debts, interest rates, and monthly payments. Understanding your full picture helps choose the right solution.
Not all debt relief companies are equal. Check reviews, accreditation (AFCC, IAPDA), and fees before committing to a program.
Once enrolled in a program, stop using credit cards. Focus on living within your means and building an emergency fund.
Be honest with your debt relief specialist about your finances. The more accurate your information, the better your outcome.
Stay engaged with your program. Check statements, track settlements, and celebrate milestones as debts are resolved.
Once debt-free, focus on rebuilding credit. Use a secured credit card, pay bills on time, and maintain low balances.
"I had $32,000 in credit card debt and was drowning. Consumer One matched me with a settlement program that reduced my debt by more than half. I'm now debt-free and rebuilding my credit!"
"I was getting 10+ collection calls a day. The stress was unbearable. Consumer One helped me negotiate settlements and now I have peace of mind. The calls stopped and I'm on a payment plan I can afford."
"After my surgery, I had $45,000 in medical bills. I thought I'd be paying forever. Consumer One helped me apply for charity care and negotiate the rest. I ended up paying less than $5,000 total!"
"I was juggling 7 different credit cards with sky-high interest rates. Debt consolidation through Consumer One gave me one affordable monthly payment at 9% interest. I'll be debt-free in 3 years!"
"I was trapped in payday loan hell, borrowing from one to pay another. Consumer One helped me consolidate everything and get out of the cycle. I wish I'd found them sooner!"
"The team at Consumer One treated me with respect and never judged my situation. They explained all my options clearly and helped me choose the best path. I'm so grateful for their help."
Most debt relief programs require a minimum of $5,000-$10,000 in unsecured debt. However, some programs accept lower amounts. The more debt you have, the more options are typically available to you.
It depends on the program. Debt settlement can temporarily lower your score as accounts become delinquent, but many find it's worth it to become debt-free. Debt consolidation and credit counseling typically have less impact. We'll explain all credit implications upfront.
Timeline varies by program and debt amount. Debt settlement typically takes 24-48 months, debt consolidation 3-5 years, and credit counseling 3-5 years. Bankruptcy can discharge debts in 3-6 months but stays on your credit for 7-10 years.
Eligible debts include credit cards, medical bills, personal loans, collections, payday loans, and other unsecured debts. Mortgages, car loans, student loans, taxes, and child support typically cannot be included in debt relief programs.
Costs vary by program. Debt settlement companies typically charge 15-25% of enrolled debt as fees. Debt consolidation may have origination fees of 1-5%. Credit counseling often has low monthly fees ($25-$50). We'll explain all costs before you commit.
Once enrolled in most debt relief programs, you should stop using the credit cards included in the program. This is essential for success. You may be able to keep one card for emergencies, but it's best to focus on living debt-free.
Initially, yes. But once you're enrolled in a program and your debt relief company contacts creditors, calls typically decrease significantly. You have rights under the Fair Debt Collection Practices Act to stop harassment.
No. Debt relief programs like settlement, consolidation, and counseling are alternatives to bankruptcy. They help you resolve debt without the severe long-term credit impact of bankruptcy. Bankruptcy is typically a last resort.
Not necessarily. You can choose which debts to include in most programs. However, including all eligible debts usually provides the best results and fastest path to becoming debt-free.
Being behind on payments doesn't disqualify you - in fact, it can make you a better candidate for debt settlement programs. Creditors are more willing to negotiate when accounts are delinquent. We can still help.
Some programs require steady income to make monthly payments. However, if you're unemployed due to hardship, you may qualify for hardship programs or charity care for medical debt. We'll explore all options available to you.
Absolutely. We use bank-level encryption to protect your data and never share your information without your explicit permission. Your privacy and security are our top priorities.
See if you qualify for debt relief in just 2 minutes. No credit impact, no obligation.
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