Real options for real people in Michigan
Michigan Debt Payoff Options
Review debt payoff options available to Michigan residents and request a free evaluation.
Explore Your OptionsHow Michigan Debt Relief Works
Free Evaluation
Tell us about your situation. No judgment, no obligation. Takes about 5 minutes.
Review Your Options
See what programs and partners are available based on your debt, income, and goals.
Get Matched
Get connected with a vetted debt relief partner matched to your situation. Your consultation is free and no-obligation.
Compare Your Debt Relief Options
Debt Settlement
Negotiate with creditors to pay less than you owe.
- Reduce total debt by 40-60%
- One monthly program payment
- Typically done in 2-4 years
- May affect credit score during program
- Not all creditors negotiate
- Settled amounts may be taxable
People with $10K+ in unsecured debt who want to pay less than the full balance.
Debt Consolidation
Combine multiple debts into one lower-interest payment.
- Simplify to one monthly payment
- Lower interest rate
- No negative credit impact if current
- Need decent credit to qualify
- Doesn't reduce total balance
- Risk of accumulating new debt
People with good credit who want lower monthly payments and simpler bills.
Credit Counseling
Work with a nonprofit to create a repayment plan.
- Free initial evaluation
- Reduced interest rates
- No credit score requirement
- Takes 3-5 years to complete
- Must close enrolled accounts
- Monthly fees apply
People who want professional guidance without taking on new debt.
Reviews From Our Partner Network
Real reviews from clients of our vetted debt relief partners.
The individuals that I spoke with were amazing helpful thoughtful and very kind. Unfortunate circumstances got us where we are and rather than judging they empathized and let me know I was going to be able to finally climb out of this situation.
David Chang was very kind and helpful in the process for not only my husband but myself too.
Very helpful, from filing to downloading documents. Gave special instructions for interaction with creditors, and basically took all the worry off my shoulders.
These reviews are from clients of our partner companies and were sourced from public review platforms. Individual results vary. We are a matching service, not a debt relief provider.
Required Disclosures
- We are not a government agency and do not provide government grants.
- Results vary by individual financial situation and creditor policies.
- Debt relief and debt settlement programs may negatively affect your credit score.
- No debt settlement service can guarantee specific outcomes or timelines.
- By submitting this form, you agree to be contacted by phone, text message, or email.