A simple first step
Start with the same two details the process has always used: debt range and ZIP code.
New A clearer way to start
Explore debt relief options for your situation.
Start with your estimated unsecured debt and ZIP code, then continue through a straightforward online application. Availability and results vary.
Start with two details
Choose your debt range and verify your ZIP code.
Enter your ZIPWe’ll confirm it before you continue
No guaranteed resultReview your options before deciding
What to expect
01 A short online start
02 Clear privacy information
03 Your choice at every step
About the process
Debt can feel complicated. Starting to understand your options shouldn’t.
CutDebt gives consumers a focused online starting point. You provide a small amount of information, continue through the existing application, and review what follows before making any decision.
One existing application
The established third-party form remains the only application pathway.
Review before deciding
Availability and outcomes vary. Look closely at terms, costs, risks, and alternatives.
Process What happens next
Three steps.
A more considered start.
The application gathers information used to present relevant next steps. It does not guarantee program availability or a particular result.
Start with your details-
01
Choose your range
Select the original unsecured-debt range that best reflects your situation.
-
02
Verify your ZIP
Your five-digit ZIP is checked using the existing US ZIP validation service.
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03
Continue and review
Complete the existing application and consider the information presented to you.
Explore Potential considerations
What a debt-relief path may help you examine
Potential benefits depend on the provider, program, creditor participation, and your individual circumstances. Results are never guaranteed.
Monthly payment options
Some approaches may be designed to change how monthly obligations are managed.
A structured process
Understand possible next steps and the questions worth asking.
More clarity
Compare debt strategies, terms, and tradeoffs before choosing.
Categories Existing site topics
Debt types and consumer situations
Inclusion does not establish eligibility. Options can vary by debt type, provider, and individual circumstances.
Credit Card Debt
Bad Credit
Medical Debt
Personal Loan Debt
Divorce Debt
Retiree Debt
Veteran Debt
Business DebtFit Start with your circumstances
Is this worth exploring?
The existing CutDebt content identifies consumers who are struggling with debt, having difficulty making payments, or looking for ways to manage their obligations. Those circumstances may be a reason to learn more, but they do not establish eligibility.
Before choosing any option
- 01
Review provider terms, fees, risks, and alternatives.
- 02
Understand that credit may be affected.
- 03
Consider guidance from a qualified financial professional.
- 04
Choose only after deciding the approach fits your needs.
FAQ Questions, answered
Helpful context before you continue.
Everything you need to know before starting the existing application.
CutDebt is an online starting point for consumers exploring debt-related options. The application continues through an existing third-party form and does not guarantee a particular program or result.
Your credit score may fluctuate while participating in a debt relief program. The effect depends on your circumstances and the program. Review the provider's disclosures before enrolling.
Rebuilding credit generally takes time and consistent financial habits. Because individual results differ, consider seeking guidance from a qualified financial professional.
Debt settlement and bankruptcy can have financial and credit consequences, and neither should be treated as an automatic or cost-free outcome. Understand the tradeoffs and seek professional advice where appropriate.
Only you can decide after reviewing your finances, the available terms, and alternatives. A qualified financial advisor may help you evaluate your choices.
Next step Continue when you’re ready
A clearer start is two details away.
Use your debt range and ZIP code to continue to the existing application.