Important debt-relief disclosures.
Debt-relief decisions can affect credit, taxes, account status, and total cost. Read disclosures carefully.
Last updated June 16, 2026
Reducing Debts connects consumers with debt-relief and financial-assistance providers. We are not a law firm, lender, or credit-repair organization and do not provide legal, tax, or financial advice.
Not all consumers will qualify. Results vary based on debt profile, creditor policies, and state. Debt-relief options may have costs and may affect your credit and tax situation; consider all options.
Debt settlement may negatively affect your credit and may result in tax consequences for forgiven debt. Credit repair cannot remove accurate and verifiable information. Consolidation may involve fees, new credit, and longer repayment terms.
Tax-relief outcomes depend on agency rules, filing status, income, assets, expenses, and documentation. Student-loan options depend on loan type, repayment status, federal program rules, and lender policies.
Credit counseling and debt management plans may involve fees, account restrictions, creditor participation requirements, and changes to how accounts are handled.
No content on this site is legal, tax, credit, or financial advice. Consult qualified professionals for advice about your specific situation.