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Frequently Asked Questions (FAQ)

What's the difference between Debt Settlement and Debt Consolidation?

Debt settlement reduces your balance. Your debt is negotiated down, and you pay less than you owe. The creditor forgives the remaining balance in a transaction called a settlement. Debt consolidation combines all of your debt into one loan with a single monthly payment, often at a reduced rate of interest. This typically requires a higher credit score for approval.

How will I know which is right for me?

A dedicated debt expert will let you know all your options and the advantages of each – which will help you decide what's best for you.

How do you protect my privacy and personal information?

In transmitting your personal information to our network of debt settlement partners we ensure your information is safe and secure. Using SSL encryption your personal data is scrambled in route to our servers, and decrypted once it arrives at so you can submit your debt information request with a peace of mind and from the ease of your home. For information on how we share your data you can also take a look at our Privacy Policy for more details.

Are there any fees to use this website?

Your Debt Fixer is completely free to use. We will never charge you a fee for our service but we may receive payment from debt specialists, lenders and non-lenders for referring clients to them.

How do debt reduction options through Your Debt Fixer work?

After you submit your information online we will attempt to connect you with a debt specialist who will review your financial situation with you and attempt to present a customized option based on your total enrolled debt, monthly budget, and overall financial goals. We don't charge any fees and the initial consultation is completely free.

Will your program impact my credit score?

Depending on your personal situation and whether you have already missed payments to your creditors, debt settlement programs may have a negative impact on your credit score. Due to it being a separately regulated service, we do not provide credit repair services or offer advice on ways to improve your credit.