Put your stressful debt behind you with debt relief

When it comes to debt relief, you have several options available to you. Each solution comes with its own pros and cons, along with different short-term and long-term consequences that are different for every individual or family seeking debt relief. Uplift's certified Debt Specialists can provide you with a free debt assessment and answer your questions about which debt relief solution can best fit your needs and your budget.

There are three ways you can save thousands of dollars (or more) by working with Uplift to negotiate your credit card and other unsecured debts: #1) LOWER Monthly Payments #2) REDUCTION Of Your Total Debt Owed #3) ELIMINATION Of Long-Term Interest Fees Uplift’s debt relief program not only saves you thousands of dollars in interest and principal, and allows you to make one, low monthly payment right away, but it also prevents you from living with high interest debt for years… or even decades!

Uplift charges NO fees until you approve the settlement agreement and your debts are settled. There are NO sign-up fees, NO cancellation fees, and there’s absolutely NO obligation for you to complete Uplift’s debt resolution program if you choose. Once debts are settled, the clients pay a percentage (varies by state) of the total debt enrolled as part of their monthly deposit. And if we can’t settle your accounts, then you don’t pay us… it’s that simple!

Uplift’s debt relief program was created to resolve your debt for a fraction of what you owe, as quickly as possible. First, we provide a free debt consultation with one of our certified Debt Specialists to review various debt relief options you have including bankruptcy, debt settlement, and debt consolidation. Then we help you decide what form of debt relief and our program specifically is right for you. If you decide that it is, we work with you to design a personalized debt resolution program that fits your goals and your monthly budget. Many Uplift clients find this is often lower than their existing minimum payments! Once you enroll, Uplift’s expert debt negotiators work on your behalf and negotiate with your creditors, so that we can help you become debt-free as quickly as possible.

For many people, it certainly can be! If you’re living paycheck-to-paycheck, carrying high balances on your credit cards, and struggling to make the minimum payments… then you’re also likely experiencing unnecessary stress that can affect both you and those close to you. When you enroll in Uplift’s debt resolution program, not only will we help you eliminate your debt and regain control of your finances, but you’ll also find yourself free of the stress, guilt, and worry that comes with overwhelming debt. That means you’ll have time to focus on what really matters: your family… your career… your hobbies and pastimes… and enjoying life to the fullest!

If you live in a state we service and you are struggling with more than $7,500 of unsecured debts, including credit cards, medical bills, department store and personal loans… then you qualify for Uplift's debt relief program.

It depends on a variety of factors including how much debt you have, what your income is, and who your creditors are. However, on average, it typically takes between 20-48 months to become debt-free with our debt resolution program. So if you compare that to only make the minimum payments on your credit cards, you could remain stuck in debt for the next 10-20 years or more and have to and pay back 2-5 times the amount you originally borrowed… making Uplift’s debt resolution program a smart choice!

Debt consolidation combines multiple debts (like credit cards, personal loans, and medical bills) into one loan with a fixed monthly payment, and often with a reduced and fixed interest rate. This typically requires a higher credit score for approval. Debt relief, on the other hand, reduces your total debt balance. Your debts are negotiated down, allowing you to pay less than you owe. The creditors forgive the remaining balances in transactions called settlements.

It’s perfectly normal to see a decline in your credit score during the first stage of the debt resolution process. Many of our clients experienced hardships and were seeing credit score declines by the time they enrolled, due to their credit utilization and debt-to-income ratio. Just remember that you’re going through hardship, and part of getting past this phase of life and getting out of debt is a temporary dip in your credit score. The reality is, even though it may seem alarming, noticing a decline is a good thing. It shows that you are progressing towards settlements with your creditors. Just know that as you pay off debt through the debt relief program, you can expect your credit score to rebound, potentially to an even higher score than before enrollment. That timeline depends on various factors, such as the debt enrolled and the amount saved. Overall, 85% of debt settlement clients report that their credit score after program graduation is the same as or better than their score at enrollment, according to the American Fair Credit Council. Also, keep in mind that your credit score is typically only necessary if you’re pursuing a large purchase, such as a home or car. If you’re not making a major purchase, a temporary dip in your credit score is nothing to fear. The end goal is to move forward and get out of debt! At the end of the day, the most important thing is how you feel about getting out of debt. We can help you get out of debt faster, for less than what you owe.

We are able to help provide debt relief for most unsecured debt (any debt that isn’t tied to an asset like a home or automobile), and we have negotiated with thousands of different creditors to help our clients eliminate their debts. Some of the debts we can help you settle include: credit cards, personal loans, lines of credit, medical bills, business debts, and certain student loan debts.