Personal Loan Relief

Break free from personal loans, medical bills, and payday loans. Reduce your total debt by up to 50% and become debt-free in 24-48 months.

Reduce debt by up to 50%

One affordable monthly payment

Debt-free in 24-48 months

Stop collection calls

Secure & Confidential | No Obligation

Debt Savings Calculator

See how much you could save

How much consumer debt do you have?

$25,000

Current Debt: $25,000

                                Potential Savings (50%):
                                $12,500
                            

New Amount: $12,500

What is Personal Loan Relief?

Consumer debt relief helps you reduce and eliminate unsecured personal debts through negotiated settlements with creditors. This includes personal loans, medical bills, payday loans, and other non-collateralized debts.

Our trusted partners work directly with your creditors to negotiate lower payoff amounts, often reducing your total debt by 40-60%. You make one affordable monthly payment into a dedicated account, and when enough funds accumulate, settlements are negotiated and paid.

Types of Consumer Debt We Help With:

Personal Loans
Medical Bills
Payday Loans
Collection Accounts
Repossession Deficiencies
Private Student Loans (some cases)

Did You Know?

The average consumer debt relief client saves over $12,000 and becomes debt-free in just 36 months.

You're Protected

Debt relief companies must be licensed and comply with federal regulations. Your funds are held in a dedicated FDIC-insured account that you control.

With Releafly vs. Without

See the difference debt relief makes

Without Debt Relief

Pay full balance plus interest
Multiple creditor payments
Constant collection calls
High monthly payments
10-15+ years to pay off
Stress and anxiety

Example:
$25,000 debt at 18% APR
Total paid: $45,000+
Time: 12+ years

With Releafly Partners

Reduce debt by 40-60%
One affordable payment
Stop collection calls
Lower monthly payment
Debt-free in 24-48 months
Peace of mind

Example:
$25,000 debt settled
Total paid: $12,500
Time: 36 months

How Personal Loan Relief Works

Get out of debt in 4 simple steps

Free Consultation

Complete our quick form and speak with a certified debt specialist. They'll review your situation and explain your options at no cost.

Enroll in Program

If debt relief is right for you, you'll enroll and start making affordable monthly deposits into your dedicated savings account.

We Negotiate

Our partners negotiate with your creditors to reduce your debt. You'll receive settlement offers for approval before any payments are made.

Become Debt-Free

As settlements are reached and paid, your debts are eliminated one by one. Most clients are debt-free in 24-48 months!

Do You Qualify?

Most people with $10,000+ in unsecured debt qualify

You May Qualify If:

You have $10,000+ in unsecured debt
You're struggling to make minimum payments
Your debt is from personal loans, medical bills, or collections
You have a financial hardship (job loss, medical emergency, etc.)
You can afford a monthly program payment

May Not Qualify If:

Your debt is less than $10,000
All your debt is secured (car loans, mortgages)
You can comfortably afford current payments
You recently filed bankruptcy
You have no income source

Not sure if you qualify? Get a free consultation to find out!

Check My Eligibility

Frequently Asked Questions

Get answers to common questions about consumer debt relief

Most debt relief companies charge a fee of 15-25% of the total enrolled debt, but you only pay fees on debts that are successfully settled. There are no upfront fees. For example, if you enroll $20,000 in debt and settle for $10,000, you'd pay fees on the $10,000 settled amount, not the original $20,000.

Yes, debt relief will initially impact your credit score because you stop making payments to creditors while saving for settlements. However, if you're already behind on payments or considering bankruptcy, debt relief may be a better option. Most clients see their credit improve within 6-12 months after completing the program.

Most clients complete their debt relief program in 24-48 months, depending on the amount of debt and monthly payment they can afford. Some clients with smaller debts finish in as little as 12-18 months.

Consumer debt relief works best for unsecured debts like personal loans, medical bills, payday loans, collection accounts, and repossession deficiencies. It does NOT work for secured debts (mortgages, car loans), federal student loans, child support, or tax debt.

Yes, creditors can still pursue legal action while you're in a debt relief program. However, most creditors prefer to settle rather than go through expensive legal proceedings. If a creditor does file a lawsuit, your debt relief company will work to negotiate a settlement before a judgment is entered.

Debt relief can be a better option than bankruptcy for many people because it's less damaging to your credit long-term and doesn't involve court proceedings. However, every situation is different. A debt specialist can help you understand which option is best for your specific circumstances.

I eliminated $32,000 in medical debt and personal loans!

After my husband's medical emergency, we were drowning in bills. Releafly connected us with a debt relief company that negotiated our $32,000 down to just $14,500. We made affordable monthly payments and were debt-free in 30 months. It saved our family!

— Sarah M., Denver, CO

Personal Loan Relief Client

$32,000 Original Debt

$14,500 Settled For

55% Savings