Keep More Money in Your Pocket

$20,000+ in Debt? See How Much You Could
Save With Debt Relief

Pre-approval check
You're getting started here
Go to start
Fill Out a Short Form (Approx 3 min)
Programs available for most Americans
Schedule a Call With a Debt Specialist
Free to Check - No Up-Front Fees
Get on a Program Tailored For You!
Reduce payments by up to 50%
Pre-approval check

How much unsecured
debt do you have?

Amount
$10,000 $200,000
Risk-free
Non-binding
1,939 people matched with a debt specialist this week
Live count

What Debts Are
Eligible for Relief?

Credit Card Debt

Credit card balances from major banks, retail stores, and credit unions with high interest rates.

Personal Loans

Unsecured loans from banks, credit unions, or online lenders not backed by collateral.

Payday / High Interest Loans

Loans with above-average rates making your monthly payments higher than necessary.

Non-Federal Student Loans

Private student loans from banks or lending institutions (excluding government-backed federal loans).

Collections Accounts

Recently transferred accounts to collections within the past 6 months from unpaid unsecured debts.

Auto Deficiencies/Leases

Remaining balances on repossessed vehicles or lease termination fees after vehicle sale.

Simplify your finances in minutes
- with 3 easy steps

1
Step one

Pre-approval check

Before we can connect you with the best debt partner, we need to verify your eligibility and gather some information about your current financial situation.

2
Step two

Get connected

With your provided details, we'll explore all of your potential debt partners, matching you with the best possible option to maximize your financial relief.

3
Step three

Instant support

After connecting with your chosen partner, they'll develop a personalized payment plan to help resolve your unsecured debts. With your approval, this plan will be activated swiftly, freeing you from debt stress.

Trusted by many

Accredited Debt Relief
Alleviate
Americor
Century
Clear One Advantage
Consolidated Credit
JG Wentworth
Lighthouse
Pacific Debt Relief
Simple Debt Solutions
SteadyWise
TurboDebt

We've already helped
100,000+ people

Join the growing community of people who have transformed their lives with One Payment Plan.

"An Amazing
Service!"

Accredited Debt Relief

"I discovered One Payment Plan online right at a time when I was feeling overwhelmed by my debts and had no idea where to start. Their comparison tool made everything so straightforward - no confusing industry jargon. When I spoke with a representative, they were patient, understanding, and helped me pinpoint a program that should save me more than $50,000 in the long run. I hung up feeling genuinely hopeful about my finances for the first time in what feels like a lifetime!"

Susan Thomson

"Exactly What I
Needed!"

Accredited Debt Relief

"I’d been juggling multiple debts with high interest rates and was dealing with finansical stress every single day. Then I found One Payment Plan - what a relief! They found me a bunch of different solutions, and I ended up with a partner and strategy that saved me YEARS on my debts. Knowing that i’m also saving $42,000 overall is amazing, and i’m finally able to rest easy knowing that my family won’t be impacted by our debt. It’s great to feel supported and not just like another case number."

James Miller

"A Lifeline for
My Finances!"

JG Wentworth

"I was overwhelmed by multiple credit card bills and felt like I couldn’t keep up with the monthly minimums that kept piling up. One Payment Plan was a total game-changer. Their site instantly found me a strategic partner that helped me figure out all my debt relief options, and I ended up with a solution that cut my total debt owed with more than $62,000! My stress levels have dropped, and I finally feel like I’m back in the driver’s seat of my own life again! Thank you so much."

Evelyn Brown

Why choose One
Payment Plan?

The quickest way to take control.

Explore options

Top-rated debt partners

We work exclusively with industry-leading debt specialists known for their reliability and stellar track record. Each expert brings extensive experience and a dedication to your financial well-being.

Personalized support

Working with your debt partner, you'll get access to a fully customized payment plan designed to support your unique financial situation. This plan will focus on your specific needs and goals.

Instant financial relief

Once you approve your payment plan, you'll experience immediate financial relief. Your consolidated payments will be activated, easing your monthly burden.

Complete control

The best part about working with One Payment Plan is that you get to take back control. Not only will you have reduced monthly payments, but you'll also have a clear, manageable payment structure.

Frequently asked
questions

Debt relief and debt consolidation are two different approaches to managing debt, and the right option depends on your financial situation.
Debt consolidation combines multiple debts into a single loan or payment, which can simplify repayment and potentially lower interest rates.
Debt relief, on the other hand, focuses on reducing or restructuring your debt by working with creditors to make payments more manageable.
A certified specialist can help determine which option may be the best fit for you.
Unsecured debt is a type of debt that isn't backed by collateral, such as credit card payments, medical bills, or student loans.What does it mean?
Basically, if you fail to pay these debts, the lender cannot take your possessions to recover the money.
Some partners require fair credit and a stable income, and others don’t. We can help you explore all. Doing this will increase your chance of getting funded, but won’t influence your credit score.
Most people will experience instant relief, with their upcoming monthly payment. Sometimes the process takes a bit longer, but it depends on the debt partner.
It varies based on your individual circumstances and preferences! Your debt partner will work with you to tailor a solution that best fits your financial situation and income, ensuring you get the most effective debt consolidation strategy for your needs.