Reduce what you owe. Resolve your unsecured debt with a debt relief professional.
Friendly Debt Relief connects qualifying consumers with accredited debt relief providers. Free consultation. No upfront fees.
See my debt relief optionsTakes about 2 minutes. No impact to your credit score to check.
Three steps. No pressure. No upfront fees.
Tell us what you owe
Answer a few questions about your unsecured debt. Credit cards, medical bills, personal loans, and similar balances. This takes about two minutes.
We connect you with a debt relief professional
Based on your situation, we connect you with a vetted debt relief provider that serves your state and works with your debt profile. You see the provider name before we hand off.
You speak with a debt relief specialist. Free.
A debt relief specialist walks you through your options in a no-obligation consultation. You decide whether to enroll. You pay nothing to Friendly Debt Relief.
What makes us different.
Honest about tradeoffs.
Debt relief affects your credit and may have tax implications. We tell you that upfront, before you commit to anything, so you can decide with eyes open.
Connecting you with established providers.
We work with debt relief companies that have multi-year operating histories, state licensing where required, and AADR membership. We don't refer you to anyone we haven't researched.
Your information stays protected.
Your data is collected with your consent at the point of sign-up and shared only with the provider you're matched with. We don't resell your information to unrelated companies.
Before you decide, know the tradeoffs.
Debt relief programs are a serious financial step. Per the FTC's Telemarketing Sales Rule, here's what you should know before enrolling:
- 24-48 months typical timeline to negotiate all enrolled debts
- Credit score will likely drop during the program; collection activity and lawsuits possible
- Forgiven debt over $600 is typically taxable as income (IRS Form 1099-C)
- Funds you deposit stay yours — withdraw any time, get your money back within 7 business days
How we present provider options
Friendly Debt Relief receives compensation from the debt relief providers we match consumers to. Compensation differences between providers do not influence the order or selection of provider options presented to you. Our matching is based on factors unrelated to provider payment, including:
- State licensing where required, and licensing status verification
- Debt profile fit (debt type, balance range, hardship circumstances)
- Our internal vetting (BBB rating, customer reviews, operating history, complaint record)
- Consumer-stated needs (debt amount, state of residence, debt type)
The options presented may be a subset of all available providers in the market rather than every provider. If you would like to research alternatives outside our network, the CFPB maintains consumer financial protection resources at consumerfinance.gov, and the National Foundation for Credit Counseling lists nonprofit credit counseling agencies at nfcc.org.
How much unsecured debt do you have?
Select a range to see what options may be available. No personal information required at this step.
Held to industry standards.
Friendly Debt Relief operates as a marketing service under the compliance standards of the Federal Trade Commission, Consumer Financial Protection Bureau, and state-level consumer protection regulators. Our accreditation roadmap includes:
- ✓Better Business Bureau (BBB) accreditation - application submitted April 23, 2026 to BBB serving the Pacific Southwest. Review in progress.
- ✓Association for Consumer Debt Relief (ACDR) - evaluation underway.
- ✓TrustedForm certification - active on every consumer touchpoint since launch.
- ✓TCPA and FCRA consent framework - dual-certificate chain on every lead.
Ready to see your options?
Takes about two minutes. Free. No obligation. No impact to your credit score to check.
See my debt relief options