How Achieve Resolution works

Our team of debt experts will walk you through every step of our program—so you can get rid of debt faster than making minimum payments.

3,000+

creditors we work with

44,000+

debts resolved each month

$140 Million+

in debt resolved each month1

HOW IT WORKS

5 simple steps to resolve your debt

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REAL PEOPLE, REAL RESULTS

"Once I got started in this program, I felt that I finally found a path to the end of my debt. I finally could see a light at the end of the tunnel.”

— Melissa N.*, Achieve member

*Actual members. Members’ endorsement is a paid testimonial. Individual results are not typical and will vary.

"Achieve was easy to work with. It makes you feel so good that you have someone out there that can help.”

— Wanda A.*, Achieve member

*Actual members. Members’ endorsement is a paid testimonial. Individual results are not typical and will vary.

"Graduating from the program was a very up moment in life. My debt was gone.

— Kevin C., Achieve member, debt resolution

*Actual members. Members’ endorsement is a paid testimonial. Individual results are not typical and will vary.

How it works FAQs

Achieve Resolution is a proven program where a team of experts work with creditors on your behalf to reduce the amount you owe. This allows you to pay off debts faster than making minimum monthly payments and keeps more money in your pocket.

Our debt resolution program can help you with unsecured debts (debt not backed by collateral like a house or car). 

Debts we can help with

  • Credit or department store cards

  • Medical debt

  • Most personal loans

  • Collections or repossessions

  • Lines of credit

  • Some payday loans

  • Some private student loan debt

Debts we can’t help with

  • Taxes

  • Utility bills

  • Lawsuits

  • Secured loans (HELOC, auto, etc.)

  • Federal student loans

Not sure if your debt is eligible for the Achieve Resolution program? Call us

Achieve Resolution helps consumers who have experienced a hardship (such as job loss, reduced income, unexpected expenses, medical debt, and divorce) and are struggling with unsecured debts, including credit cards, medical, department store and personal loan debts. 

Our program is available in most of the country, but not in some states, including New Jersey. We enroll members with debt amounts between $7,500 and over $100,000. You could qualify for Achieve Resolution even with bad credit. 

Program fees range between 15-25% of the amount of enrolled debt to be resolved. Rates may vary depending on your state of residence. There are no membership fees to join Achieve Resolution, only the monthly or bi-weekly deposit needed for debt negotiations and settlements.

As you stop payments to your creditors and your accounts go past due, your credit score may drop temporarily. However, as each account is resolved, those debts should be reported as such and should show a zero balance on your credit report, which should help your credit score begin to recover.

By the time you graduate from the program, you’ll be free of your enrolled debts.

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1. Statistics reflect the results of the members we and our affiliates have served since 2002 (as of Jun 2024).

2. Resolution is available through our affiliate Achieve Resolution (NMLS ID # 1248929). All estimates for Achieve Resolution’s services are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all Achieve Resolution clients are able to complete their program for various reasons, including their ability to save sufficient funds. Achieve Resolution does not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. Achieve Resolution does not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Achieve Resolution’s services are not available in all states, including New Jersey, and their fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of Achieve Resolution services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements Achieve Resolution obtained on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825.

Achieve Resolution uses estimates to calculate your program duration, costs and savings. These estimates are based on information from third parties and information you have provided, are for your personal program, are not for general use, and are an approximation and not a guarantee. Actual program duration, costs and savings will vary depending on your individual circumstances, may be higher or lower than estimated, and are subject to change and other limitations.

These are estimates and are not actual amounts or periods. They are determined from information in your credit report and certain assumptions based on our prior experience and publicly available information on interest rates, charges and minimum payment requirements for consumer debt, such as, finance charges accrue at rates ranging from 6% to 29.99% (20.3% for current credit cards and 29.99% for delinquent credit cards) and blending these rates with any other fixed term repayment and high interest loans you may have. Your actual rates, charges, fees and minimum payment requirements may be higher or lower. These estimates also assume that there are no additional charges, rebates, refunds, payments or reductions of your debt other than the monthly payment of the estimated current total minimum monthly payment. This is a fixed monthly payment amount which may differ from the actual required minimum payments on your enrolled debts over time.

3. Estimated current total minimum monthly payment is the total payment due to your creditors each month for your eligible debt accounts.

4. Time to pay down your debts is the total estimated number of months it would take for you to pay your debts in full if you pay the estimated current total minimum monthly payment due to your creditors each month.

5. Total estimated amount you will pay in principal, interest and fees over time if you pay only the estimated current total minimum monthly payment due to your creditors each month.

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