Get Out Of Debt Fast!

Fast, Simple, Low Rate Consolidation Loans That Won't Affect Your Credit Score.

*Available in all US States except Oregon and Puerto Rico!


Loan Specialist 

Low Fixed

We help with debt from thousands of creditors, including these companies:

How Does This Work?​

Debt settlement is a negotiated agreement in which a lender accepts less than the full amount owed, sometimes significantly less, to legally settle a debt.  This approach can serve as a feasible alternative to bankruptcy proceedings, particularly when dealing with debt collectors who frequently acquire debt at heavily discounted rates.

Debts We Can Help With:

Debts We Can't Help With:

*We can help with lawsuits and student loans in special cases – call us to get more information.

Getting Started Is Easy!

Debt settlement companies work by negotiating with creditors on behalf of individuals who are struggling with debt. Here’s a general overview of how they typically operate:

Initial Consultation

Debt settlement companies typically begin with a consultation to evaluate the individual’s financial status, including debt amounts, income, expenses, and other pertinent details.

Developing a Plan

Using the gathered information, the debt settlement company crafts a customized plan, often involving allocating funds to a dedicated account for negotiating settlements with creditors.

Cease Payments

In many cases, the individual will stop making payments to creditors directly. Instead, they’ll divert those funds into the dedicated account set up with the debt settlement company.

Negotiation Process

The company initiates negotiations with creditors to settle debts for less than the full amount owed, often proposing a lump-sum payment in exchange for forgiving the remaining balance. Negotiations can be lengthy and may require multiple rounds of communication.


Upon reaching a settlement, you’ll utilize the funds in your account for a reduced lump-sum payment to the creditor, often less than your original debt. Some creditors may offer a payment plan if a lump-sum payment isn’t feasible for you.

Completion of Program

Once all negotiated settlements are paid, the individual’s debts are considered resolved, and they can move forward with rebuilding their credit.

What Our Clients Are Saying About Us

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Recent Case Study:

Although program specifics vary, consider this recent client case as an example:

“John” approached My Financial Relief with a total debt of $15,000 stemming from credit cards and a personal loan, with monthly payments totaling slightly over $650. Transitioning to a fixed income, his primary goal was to lower his monthly payment burden and eliminate his debt. He opted to deposit $300 per month, aiming to achieve debt freedom within an estimated 36 months (3 years).

According to My Financial Relief’s strategy, “John” could potentially settle his debt for approximately $11,500, a significant reduction from the estimated $42,000 based on minimum payments.

We Help People Pay Off Credit Cards!

Meet The Team

Daniel Celaya
Daniel Celaya Sr. Credit Manager
Pete Renteria
Pete Renteria Sr. Credit Manager
John Valenzuela
John Valenzuela Debt Specialist
Jeremy Smith
Jeremy Smith Strategic Advisor

Questions? We’re here to help

Find answers to our community’s questions below, or contact us to learn more.

Debt consolidation with Financial Relief involves combining multiple debts into a single, manageable payment. Our program streamlines your payments, often resulting in reduced interest rates, making it easier for you to repay your debts.

Eligibility is typically assessed based on factors such as your current financial situation, outstanding debts, and credit history. Financial Relief considers these aspects to tailor a debt consolidation plan that suits your specific needs and financial capabilities.

Financial Relief specializes in consolidating unsecured debts, such as credit card balances, medical bills, and personal loans. Our goal is to simplify your repayment process and help you regain control of your finances.

Financial Relief distinguishes itself through personalized debt consolidation plans, expert financial guidance, and a commitment to helping clients achieve financial freedom. Our team works closely with you to create a tailored solution that aligns with your unique circumstances and goals.

The duration of the debt consolidation process can vary based on individual circumstances. Factors such as the total amount of debt, creditor cooperation, and your ability to make consistent payments all play a role. Financial Relief works efficiently to streamline the process and aims to help clients achieve debt freedom as promptly as possible.

Too Much Debt? Consolidate Debt in Minutes

Obtaining a loan isn’t necessary to overcome credit card debt. Through a debt management program, you can combine all your credit card balances into a single, more affordable monthly payment with a lowered interest rate. Achieving a debt-free status is possible within 3-5 years.

Call us

Tel: (480) 943-5735

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