Sarah, the road to debt-free could be a lot shorter than you think.

First things first — is this you?

We prefilled this from your inquiry. Tap anything to fix it.

We never sell your info. Ever.

About how much unsecured debt are you carrying?

Credit cards, medical bills, personal loans — your best guess is fine.

Life happens. What hit hardest?

This helps your mediator fight for the strongest settlement. One tap.

Hardship is how you qualify — it's nothing to be ashamed of.

Last question — what's your monthly take-home income?

After taxes, all sources combined. A close guess is perfect — you'll fine-tune the full budget with your mediator on the call.

No expense forms here — we keep it human and go over the budget together.

Want your plan built on your actual accounts?

We'll text you a code, you type it in, and your quote uses your real balances — every card, every loan.

Enter the 6-digit code we just texted you.

Sent to your phone. It expires in 5 minutes.

The credit bureau didn't pick up. Your plan is still ready.

This happens now and then on the bureau's side — it has nothing to do with you, and it doesn't affect your credit or your options. A mediator can pull your exact numbers together with you in one quick call.

Here's what we found.

Estimates are for illustration only, based on the figures you provided and typical program outcomes; they are not a guarantee of specific results. Individual results vary. The monthly payment is shown as a range across a typical 24–48 month program (a shorter term means a higher payment). Program cost assumes a negotiated settlement plus program fees; minimum-payment comparison assumes standard declining minimums (interest plus 2% of balance) at 24.37% APR. Program savings shown net of estimated program costs.

What each creditor costs you — without us vs. with us.

"Do nothing" is what you'd pay riding out minimum payments. "With MDS" is your estimated share after we negotiate.

Estimates for illustration only, based on reported balances and typical program outcomes; not a guarantee. "Do nothing" assumes standard declining minimum payments (interest plus 2% of the balance) at 24.37% APR.

Talk to your mediator.

15 minutes, zero pressure. Bring questions.

Our next available agent will call you as soon as possible.

You're on the calendar.

Nice work taking the first step — most people never get this far.

So our call comes through as Mediator Debt Solutions — not an unknown number that looks like spam.