The Process
Getting Out of Debt Is Simpler Than You Think
We've helped thousands of people find real relief from credit card debt. Here's exactly how it works — no surprises, no pressure.
Tell Us Your Situation
Fill out our short form — it takes less than 60 seconds. Just tell us your total credit card debt amount and a phone number where we can reach you. No credit check, no Social Security number, no commitment.
We ask only what we need to connect you with the right specialist. Your information is 100% confidential and never sold to third parties.
A Specialist Reviews Your Options
A certified debt relief specialist will review your situation and identify every program you may qualify for — hardship programs, rate reductions, consolidation, and more.
This review is completely free. There's no obligation to enroll in any program. The specialist's job is to educate you on your options, not to pressure you.
You Get a Clear, Personalized Plan
You'll receive a real plan with real numbers: your new estimated monthly payment, your new interest rate, and a timeline for becoming debt-free.
If you decide to move forward, your specialist will handle the enrollment process. If you decide it's not right for you, there's no cost and no hard feelings.
Who We Help
Is This Right for You?
MyDebtPlan.org is designed for people who are struggling with high-interest credit card debt and want a real way out.
This is a good fit if…
- You have $10,000 or more in unsecured credit card debt
- You're making minimum payments but the balance isn't going down
- Your interest rates are above 18% APR
- You've missed payments or are worried about missing them
- You want a structured plan to become debt-free
This may not be the right fit if…
- You have less than $10,000 in credit card debt
- Your debt is secured (mortgage, HELOC, auto loan)
- You're looking for a loan or new line of credit
- You're seeking bankruptcy legal advice
No Upfront Fees
You never pay anything to find out your options. Enrollment fees, if any, only apply after you're in a program and saving money.
Free Consultation
Your initial review with a specialist is completely free. No credit card required, no trial period, no hidden charges.
100% Confidential
Your personal and financial information is protected. We never sell your data to marketers or third parties.
No Credit Check
Finding out your options won't affect your credit score. We don't pull your credit report during the initial consultation.
Ready to See What You Qualify For?
It takes less than 60 seconds. Free, no obligation.