Talk through my options
Learn what each path could cost. Using this site is free. No obligation.
Make a plan for the debt you have now
- Answer a few questions about your debt
- See which paths could fit your budget
- Know the costs before you agree to anything
A soft inquiry does not affect your credit score.
Ask what each option costs
Ask how one monthly payment works
Learn how each option can affect your credit
Get Your Free, No-Obligation Consultation
You choose whether to talk with a debt consolidation provider.
Talk With a Provider
Narrow your options to your debts and your budget.
Know the Timeline Up Front
Hardship negotiation programs often run 36 to 52 months. How long yours takes depends on how much you enroll and what you can set aside each month. Creditors may not agree, and your credit can be affected. If a company sells this by phone, it can't charge a fee until it reaches an agreement on at least one debt that you accept and make a payment under. Canceled debt may count as taxable income.
How We Can Help
We believe in the power of a fresh start, that’s why we help individuals and families navigate their way out of debt. Our approach is simple: we listen, then connect you with providers who can help you understand your options and find a plan forward.
FAQs
Who is CrossOffDebt.com and why should I trust you?
At the core of our client relationships is one simple factor: trust. We listen first so we can connect visitors with Debt Consolidation providers that fit their goals and concerns.
CrossOffDebt.com is a Debt Consolidation referral service. We are not the provider ourselves; we connect visitors with established providers and ask them to explain their costs plainly.
What makes CrossOffDebt.com different from other comparison sites?
The CrossOffDebt.com marketplace is built to show options based on your answers instead of only generic provider descriptions.
A soft inquiry does not affect your credit score.
What services can you connect me with?
The companies we work with offer debt consolidation options such as hardship negotiation. Which one might fit depends on your debts, where you live and what you want.
How does Debt Consolidation work?
Debt Consolidation programs vary by provider, but the goal is generally the same: make debt easier to manage than minimum payments alone.
For hardship negotiation programs, funds typically build in a dedicated account while the provider negotiates reduced payoff amounts with creditors.
What Debt Consolidation services can I find through CrossOffDebt.com?
CrossOffDebt.com can connect you with providers that work with credit card debt, medical bills and personal loans, through options such as hardship negotiation.
Which is the best Debt Consolidation solution for me?
The best path depends on budget, debt mix, goals, and tolerance for the tradeoffs that come with each option.
The questionnaire and consultation flow are intended to help visitors compare those paths before committing.
How much do Debt Consolidation services cost?
Costs depend on the provider and program. Many providers charge fees only on debts that are successfully negotiated or resolved.
A reputable provider should explain the fee structure during the free consultation so visitors understand the full cost before enrolling.
What does debt consolidation cost, and can it save money?
Results vary. Some people pay less in interest or in total, and some don't finish a program. Fees, credit effects and taxes can change the math, so ask a provider to show the numbers for your situation before you enroll.