Question 1

What is EasyDebtRelief?

Accepted Answer

EasyDebtRelief is a free matching service that connects consumers with America's most trusted debt resolution providers. We help you find the right program for your situation in minutes.

Question 2

How much does it cost to use EasyDebtRelief?

Accepted Answer

Our service is 100% free for consumers. We are paid by our partner network, never by you. There are no signup fees, hidden charges, or obligations.

Question 3

How long does the process take?

Accepted Answer

Getting your free estimate takes about 60 seconds. A quick call with a specialist takes 15 to 20 minutes. If you enroll in a program, debt resolution typically takes 24 to 48 months.

Question 4

Will using EasyDebtRelief affect my credit?

Accepted Answer

Some debt resolution programs may have a temporary credit impact, but most clients see improvement after their debt is resolved. Your matched specialist will explain the expected impact for any program you consider.

Question 5

What documents do I need to get started?

Accepted Answer

Nothing upfront. For your free estimate we only need a rough debt amount and your state. If you move forward, the specialist will request basic info like recent statements and a simple budget overview.

Question 6

Is there an age or residency requirement?

Accepted Answer

You must be 18 or older and a U.S. resident. Programs are available in most states, and your specialist will confirm availability for your specific state during the call.

Question 7

Can I get help on behalf of a family member?

Accepted Answer

Yes. Many of our consultations include a spouse, partner, or adult child helping a parent. The account holder must give consent before any program is enrolled.

Question 8

How much debt do I need to qualify?

Accepted Answer

Most programs work best for consumers with at least $10,000 in unsecured debt. The estimator on our site will help you see what is possible for your amount.

Question 9

What types of debt do you help with?

Accepted Answer

We help with credit cards, medical bills, personal loans, collections, charge-offs, private student loans, and other unsecured debts. Secured debts like mortgages and auto loans do not qualify.

Question 10

Do I qualify if I have already been to collections?

Accepted Answer

Yes. Accounts in collections are often the easiest to resolve and frequently settle for a fraction of the original balance.

Question 11

Can I qualify if I am unemployed?

Accepted Answer

Possibly. Specialists evaluate your full situation, including income, hardship, and goals. Income alone does not disqualify you.

Question 12

Do federal student loans qualify?

Accepted Answer

Federal student loans generally do not qualify for settlement programs because they have their own federal repayment, forgiveness, and rehabilitation options. Private student loans usually do qualify.

Question 13

Can I include business debt?

Accepted Answer

Yes, if the business debt was personally guaranteed (most business credit cards, SBA loans, and merchant cash advances). Your specialist will review the paperwork to confirm.

Question 14

What about IRS or back taxes?

Accepted Answer

Tax debt is handled by separate tax-resolution programs, not standard debt settlement. Mention it during your call and we can point you toward the right type of specialist.

Question 15

Can my spouse and I enroll together?

Accepted Answer

Yes. Joint accounts can be included on either spouse's program, and many couples enroll separately to address debts in their individual names.

Question 16

How does debt relief actually work?

Accepted Answer

Your matched specialist negotiates with creditors on your behalf to reduce what you owe. You make one affordable monthly program payment instead of juggling multiple bills.

Question 17

Is debt relief the same as bankruptcy?

Accepted Answer

No. Debt relief is a private negotiation between you and your creditors. It is not a court process and stays off public record, unlike bankruptcy.

Question 18

Do I have to enroll if I get an estimate?

Accepted Answer

No. Your estimate and consultation are completely free with zero obligation. You decide if and when to move forward.

Question 19

How much can I save?

Accepted Answer

Savings vary, but many clients reduce their enrolled debt by up to 50% before program fees. Your free estimate will show what is realistic for your situation.

Question 20

Where does my monthly payment go?

Accepted Answer

Into a dedicated FDIC-insured account in your name. You stay in control of those funds. Settlements are paid out of that account once creditors agree to terms.

Question 21

When does the first creditor get settled?

Accepted Answer

Most programs see their first settlement within 4 to 6 months, once enough has accumulated to make a meaningful offer. Your specialist will share a personalized timeline.

Question 22

Will creditors still call me during the program?

Accepted Answer

Some calls are normal early on. Your program team handles negotiations, and there are clear federal rules (FDCPA, Regulation F) that limit what collectors can do. Your specialist will coach you through it.

Question 23

Can I add new debts after I enroll?

Accepted Answer

In many cases yes. If a new account becomes eligible during your program, your specialist can review whether to add it.

Question 24

Are there any upfront fees?

Accepted Answer

No. By federal law (the FTC Telemarketing Sales Rule), legitimate debt settlement companies cannot charge a fee until at least one debt is settled and you have made a payment toward it.

Question 25

How are program fees calculated?

Accepted Answer

Fees are typically a percentage of the enrolled debt amount, ranging from 15% to 25% depending on state and provider. The fee is built into your monthly program payment, not paid separately.

Question 26

Are settlement savings taxable?

Accepted Answer

Forgiven debt over $600 is generally reported on IRS Form 1099-C and treated as income. Insolvency exclusions often apply. Your specialist will flag this and we recommend speaking with a tax pro before tax season.

Question 27

How do I compare debt relief vs. a consolidation loan?

Accepted Answer

Consolidation borrows new money to pay off old debt at a lower rate. Settlement reduces the principal you owe. Loans preserve credit but require qualifying. Settlement helps with hardship but has a temporary credit impact.

Question 28

Will I save more than I pay in fees?

Accepted Answer

For most enrolled clients, yes, often by a wide margin. The free estimate breaks out projected savings net of fees so you can see the real number before committing.

Question 29

How much will my credit score drop?

Accepted Answer

Most clients see a 100 to 150 point drop in the first 6 to 12 months because settlement requires accounts to fall behind before creditors will negotiate. Recovery typically begins as accounts settle.

Question 30

How long until my credit recovers?

Accepted Answer

Most clients are back into the mid-600s within 24 to 36 months after starting the program, especially when they pair it with a secured card or credit-builder loan during the program.

Question 31

Will the program show up on my credit report?

Accepted Answer

The program itself is not reported. What appears on your report are the underlying account statuses (late, charge-off, settled). Once settled, accounts update to 'paid' or 'settled for less than the full balance.'

Question 32

Can I still get a mortgage or car loan after?

Accepted Answer

Yes. Many clients qualify for auto loans within 12 to 18 months and mortgages within 2 to 4 years after completion. Lenders look at how you have rebuilt, not just past negatives.

Question 33

Is debt settlement worse for my credit than bankruptcy?

Accepted Answer

Generally no. Bankruptcy stays on your credit report for 7 to 10 years and is a public record. Settlement impact is shorter and recovers faster for most clients.

Question 34

Is my information secure?

Accepted Answer

Yes. We use bank-level encryption, never sell your data, and only share your information with the specialist matched to your case.

Question 35

Who are your partners?

Accepted Answer

We work with a vetted network of certified debt resolution providers, including industry leaders like Accredited Debt Relief, JG Wentworth, and National Debt Relief.

Question 36

Can I cancel at any time?

Accepted Answer

Yes. If you choose to enroll in a program, you can cancel at any time with no penalty.

Question 37

How do I contact a real person?

Accepted Answer

Email contact@easydebtrelief.us or use the form on our Contact page. A specialist will reach out the same day.

Question 38

Are your partners accredited?

Accepted Answer

Yes. Our network is limited to providers that hold accreditation from the AADR (American Association for Debt Resolution) and maintain strong consumer ratings.

Question 39

Do you sell my data to third parties?

Accepted Answer

No. Your information is shared only with the specialist matched to your case for the purpose of providing your estimate. We never sell or rent personal data.

Question 40

How are calls and messages handled?

Accepted Answer

All consultations are confidential. Calls may be recorded for quality and compliance, and you will be informed at the start of any recorded call.

Question 41

What happens once all my debts are settled?

Accepted Answer

Your program closes and any remaining funds in your dedicated account are returned to you. Your specialist will provide a final summary including total settled and total saved.

Question 42

How do I rebuild my credit afterward?

Accepted Answer

Open a secured card or credit-builder loan, keep utilization under 10%, and pay every bill on time. Most clients see meaningful score gains within 6 to 12 months of completing.

Question 43

Will old settled accounts come back?

Accepted Answer

No, once a settlement is paid in full per the written agreement. We strongly recommend keeping every settlement letter for at least 7 years as proof.

Question 44

What if a creditor contacts me about a settled account later?

Accepted Answer

Send the written settlement letter. If contact continues, your former program team or a consumer-rights attorney can step in under the FDCPA.

Question 45

Can I enroll again in the future if needed?

Accepted Answer

Yes, though most graduates do not need to. Many continue with monthly check-ins or use our free educational tools to stay on track.

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