Avoid debt relief scams — simple ways to stay safe

Legitimate providers follow the rules: no upfront fees, clear written disclosures, and no hard credit pull to preview options. Here’s what to watch out for—and how we protect you.

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Common red flags

They demand upfront fees before any services are performed.
Guarantees of specific interest rates, savings, or fast credit repair.
Pressure tactics to sign today or share banking info immediately.
No written disclosures or vague program terms.
Requests for a hard credit pull just to “see options.”

How we keep you protected

  • No upfront fees. You’ll see terms before enrollment.
  • Consolidation‑first. We try a loan first; if it isn’t a fit, we pivot to a hardship relief program—no extra forms.
  • Soft pre‑qual. Checking options won’t impact your score.
  • Plain‑English disclosures. You’ll know timelines, fees, and expectations.
  • U.S.-based specialists. Guidance, not pressure.

Start safely in 60 seconds

How to verify a company

  • Check that they don’t charge upfront fees.
  • Ask for written disclosures before you sign.
  • Confirm you can preview options without a hard pull.
  • Review their listing on the Better Business Bureau website.

If you suspect a scam

Links open official government portals in a new tab.

Ready to check options safely?

We’ll start with a consolidation loan. If it isn’t a fit, we pivot to a hardship relief program automatically.

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