$100M+
Debt Resolved
10K+
Clients Helped
40%
Avg. Debt Reduction
24-48
Typical Months To Resolve
A simple path out of debt
Three steps to financial freedom — guided by experienced debt specialists.
1. Free Evaluation
Tell us about your situation. We'll review your debt and goals — no obligation, no impact on credit.
2. Custom Plan
Receive a tailored relief strategy designed to lower your balance and consolidate payments
3. Become Debt-Free
Make one affordable monthly deposit while your debts are negotiated with creditors on your behalf.
Why families choose Affirmative
We are helping people resolve debt the smart way — with transparency, empathy, and proven results.
No upfront fees — you only pay when debts are settled
Experienced debt consultants
Reduce total debt by an average of 40%
One affordable monthly program payment
100% confidential and judgment-free
Real people. Real relief.
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 gave them 5 stars because of how professional and really easy the whole process was.
Eric G
Things we're looking pretty bad for me financially with all the debt I had. I honestly didn't know how I was going to get through it. After speaking to a representative at Affirmative Debt, I can say that I no longer feel hopeless and alone in what was a really bleak situation.
Ben R
Edwin C. Was amazing with the service he provided, he was very attentive, knowledgeable & couldn’t be more happy the with all he did for me.
Carlos A
Get your free debt consultation
No obligation. No credit impact. Just clear answers about how much you could save.
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100% free & confidential
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Personalized savings estimate
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Speak with a debt specialist
(888) 535-9315
Frequently Asked Questions
Get answers to common questions about debt relief and how we can help.
Will this hurt my credit score?
Your credit may see a dip when your debts are being negotiated, but it typically recovers your debts are paid off. Resolving debt is far better for your long-term credit than years of minimum payments or delinquencies.
What debts can you help with?
We specialize in unsecured debt: credit cards, personal loans, medical bills, payday loans, and collection accounts. We cannot help with secured debt like mortgages or auto loans.
How much will I save?
On average, our clients save about 45% of their enrolled debt. Your specific savings depend on your situation, creditor cooperation, and program details — which is why a personalized evaluation is so important.
How long does it take?
Most clients become debt-free in 24–48 months. Your timeline depends on your total debt, program plan, and how consistently you make deposits.
Are there hidden fees?
No. We're transparent about all costs upfront. You pay a service fee only after each of your debts are successfully settled — never before. All fees are disclosed in your agreement.
Read our posts about debt settlement to learn more...
