Debt Conquest in minutes - no pressure no judgment
We negotiate directly with your creditors so you pay less than what you owe. One simple program. Lower monthly payments. Real support.
A simple, transparent program built to help you save more and stress less.
- We negotiate directly with your creditors
- Lower monthly payments
- Real human support + smart tools
DebtConquest is the official Debt Conquest website for debt relief, debt resolution, and debt education.
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Find out how much
you will save through
DebtConquest
Debt Relief Comparison
Enter the total amount of your credit card debt and personal loans and see how much you can save.
You’re not alone — and you have options.
See how much you could save and what your program would look like — personalized to your situation.
By continuing, you consent to receive calls, texts, and emails from DebtConquest (including autodialed, prerecorded, AI, or live). Consent not required to purchase. Msg/data rates may apply. Reply STOP to opt out. See Privacy Policy & Terms for details.
DebtConquest is your lowest-cost, to becoming debt-free.
Services that support your path to becoming debt-free
Everything works together in one simple program. No upfront fees. One Monthly Payment.
- Debt Resolution
We negotiate directly with your creditors to reduce what you owe and create a manageable path to pay down your balances.
- Reduce total enrolled debt
- One simplified monthly program payment
- We handle all creditor communication
- Legal Support
If a creditor escalates collections or initiates legal action, our affiliated attorneys are there to protect you and respond on your behalf.
- Creditor communication handled for you
- Legal representation if needed
- Support through every stage of the program
- Special Purpose Account
Your settlement funds are deposited into an FDIC-insured account in your name. You stay in control of your money at all times.
- FDIC-insured account in your name
- You choose the monthly deposit amount
- Transparent tracking and reporting
Three steps to get started
We focus on your situation, not your credit score.
1. Tell us about your debt
Fill out a short intake form.
You can also speak with us over the phone.
(Takes about 2–3 minutes.)
2. We review your file
Our underwriting team reviews your debt balances, monthly income and basic living expenses to confirm the best path forward.
(No pressure — we’ll explain your options clearly.)
3. Sign up and do a 10 minute onboarding call
You receive your program agreement and complete a short welcome call to begin.
(One simple monthly deposit — we handle the negotiations.)
See How Much People Save
- $18,700 in credit card balances
Estimated settlement: $9,350
(included in monthly payment and collected after resolution of each debt)
Estimated monthly deposit:
$475/mo (example based on 36 months)
Debt Free in 36 months
- One monthly deposit
- We negotiate directly with creditors
- No upfront fees — fees only after settlements
Program length and savings depend on creditor participation, payment history, and individual circumstances. Program may impact credit.
- $11,200 in charged-off accounts
Estimated settlement: $6,400
- Estimated monthly program payment:
$310/mo (approximately a 26-month program, including services)
- We handle collection calls and letters
- Legal support included if a creditor escalates
- FDIC-insured special purpose account in your name
Program length and savings depend on creditor participation, payment history, and individual circumstances. Program may impact credit.
- $23,000 in medical bills
Estimated settlement: $12,650
- ~45% reduction
Estimated monthly program payment:
$310/mo (approximately a 52-month program, including services)
- Works even if accounts are already in collections
- No credit score requirement
- Compassionate, judgment-free support throughout the program
Program length and savings depend on creditor participation, payment history, and individual circumstances. Program may impact credit.
Who is this program for?
If you’re struggling to keep up with your payments, you likely qualify.
We look at hardship and affordability — not your credit score.
Most clients come to us when minimum payments are no longer sustainable.
You don't need to be behind to qualify.
Credit cards, collections, medical bills, personal loans — we help with most unsecured accounts.
Any consistent income:
Job, benefits, retirement, self-employment, or mixed sources are all okay.
Your credit score does not determine eligibility.
We care about your budget and situation, not your number.
- Enroll with confidence
- Cancel anytime before your first settlement
- Monthly payment includes all fees
- Know your timeline before you start
- One simple monthly payment, no surprises
- Pay faster anytime to finish sooner
- Talk to a real person who listens
- Text, call, or email — whatever’s easiest for you
- We advocate for you throughout the program
Prefer to talk to a person?
We know debt is personal.
You can speak with someone who listens — judgment-free.
Schedule a call
(888) 884-7304
Talk through your situation with a real specialist.
Email us
[email protected]
Reach out anytime — we respond quickly.
Find out how much
you will save through
DebtConquest
Debt Relief Comparison
Enter the total amount of your credit card debt and personal loans and see how much you can save.
You’re not alone — and you have options.
See how much you could save and what your program would look like — personalized to your situation.
By continuing, you consent to receive calls, texts, and emails from DebtConquest (including autodialed, prerecorded, AI, or live). Consent not required to purchase. Msg/data rates may apply. Reply STOP to opt out. See Privacy Policy & Terms for details.
DebtConquest is your lowest-cost, to becoming debt-free.
Frequently asked questions
Straight answers to common questions.
If your accounts are already in collections or past due, your credit score has already taken the hit — this program does not make it worse.
Many people who join DebtConquest have already stopped paying their debts, and their accounts are already charged off or in collections. In those situations, enrolling in a settlement program typically does not cause additional credit damage, because the negative reporting has already occurred.
As debts are settled and resolved, and reported as paid or settled, many clients see their credit profile stabilize first — and then improve over time.
If you have questions about your specific situation, we’re happy to walk you through it and explain exactly what to expect.
No. Many clients enroll before falling behind.
You qualify based on your hardship and budget, not your status.
You’ll make one simple monthly payment into a secure FDIC-insured account.
This payment already includes all program services — no surprise fees.
Our Negotiation Specialists handle all communication and settlement discussions with your creditors on your behalf.
We manage the phone calls, proposals, and documentation from start to finish.
You simply make one monthly program payment — we take care of the rest.
Most major credit card companies and collection agencies have a long history of accepting negotiated settlements.
Our Negotiation Specialists work with these creditors every day and understand their typical settlement ranges, timing, and procedures.
We review your accounts in advance to confirm they are good candidates for negotiation.
If a creditor is unlikely to settle, we’ll tell you up front — you will never be placed into a program that isn’t a fit.
The goal is always predictable, realistic results — not guesswork.
Credit cards, medical bills, personal loans, collection accounts, charge-offs, and some lines of credit.
We’ll review your accounts with you during your consultation.
If an account escalates, legal support is included in your program.
We’re with you at every step — you’re not on your own.
Life happens.
If your situation changes, we’ll work with you to adjust your plan — without judgment.
No.
This is a negotiated debt resolution program — you continue making one monthly program deposit while we work to reduce your balances.