The right answers for your debt questions

The question of what to do with debt can cause a tremendous strain in the lives of many people. You might feel out of options, making little progress as you put more and more of your income towards paying off your debts.

The good news is you no longer have to face the challenges of eliminating your debts on your own. With a proven debt relief program like ours, and a little commitment from you, the questions of what to do with your debt become affirmative answers.

Top Rated

Highly Effective Methods

Client-First Commitment

Best Results

Affirmative Answers for Debt Questions!

We negotiate with your creditors to help you get out of debt faster, reduce what you owe, and stop harassing or unwanted collection calls.

Take the big step in becoming Debt-Free

Speak to a Specialist Debt Consultant


An Easy 3 Step Process To Becoming Debt-Free!


Get your free Debt Relief Evaluation

A dedicated Debt Consultant will gather all the necessary information regarding your debts. We will then walk you through available options open to your situation, showing you why our debt negotiation program makes sense for you.


Enroll in our program

See the results of our program take effect immediately as we get to work on eliminating your debts and easing the pressures of your financial hardship. Our on-boarding process gives you the option to redirect to us any or all of the credit calls and letters you are receiving.


Save time and money on your debts

We will periodically update you on the negotiations and savings we have worked out with your creditors on your debts. Each savings outcome will come with a timeline, giving you a precise countdown to being free of that debt.

We Help With:

Credit Cards

Store Cards

Personal Loans

Business Loans

Lines Of Credit

Medical Bills

Payday Loans


The Affirmative Debt Relief Program

Debt Settlement (often referred to as debt resolution or debt negotiation) can be a great option for people with more serious financial hardships. Your program specialist will negotiate with your creditors to reduce the balance owed. This is one of the cheapest and most effective ways to resolve your unsecured debts while avoiding bankruptcy. The downside of this option is that it could have a negative effect on your credit score. However, if your top concern is to resolve your debts quickly for a lower total cost, debt settlement may be the right solution for you..

As a debt relief company that has extensive experience helping people resolve their debts, we have proven and effective methods that we use to get you the best results possible.

The Affirmative Debt Relief program happens in 3 stages:

  1. Accrue funds – Every month, you will make a deposit into an FDIC-insured dedicated savings account. As the funds in that account grows, we are ready to start presenting offers to your creditors.

  2. Negotiate – With the funds in your dedicated savings account, we negotiate agreements with your creditors to reduce your debts and structure the payments according to your program.

  3. Paid Off – Once we have made all the necessary payments towards the agreements with your creditors, you are officially debt-free.

Try our Debt Relief Evaluation to get started.

Trusting in the right answers


There's no need to tackle the questions of what to do with your debt alone.


Our experienced and friendly debt consultants are here to help you find the best answers to your debt questions, and help you get on the path towards becoming debt-free.

Request your free consultation

Affirmative Impact

This company was really helpful in putting my debt situation into a clear picture that now has an outlook I'm really happy about. I give them 5 stars because of how professional and really easy the whole process was.


 - Eric

   Sacramento, CA


Mailing Address:

99 Wall ST, suite 1305

New York, NY 10005





  • Facebook
  • LinkedIn

*Clients who make all their monthly program deposits pay approximately 55-75% of their original enrolled debts over 24 to 48 months. Not all clients are able to complete their program for various reasons, including their ability to save sufficient funds. Our estimates are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states and our 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 debt settlement 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 we obtain on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825.

Terms of Use | Privacy Policy

© 2019. All rights reserved. U.C.C 1-308 Affirmative Debt Relief, LLC