Your personalized review

Sarah, your debt could be resolved for about a lot less.

Compare that to what minimum payments would cost you over the years. See your payment and your debt-free date — it takes under 2 minutes.

Secure Under 2 minutes No credit impact

First things first — is this you?

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

First name

State

Best phone

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.

$18,500

$5k$75k+

That's right in the range we negotiate down every single day.

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.

What's your monthly take-home income?

After taxes, all sources. A close guess is fine — you'll finalize the budget with your mediator.

$4,000/mo

$1k$15k+

Is anyone helping you pay the bills — a spouse, partner, or family?

About how much do they bring in monthly?

$

No expense forms here — we go over the budget together.

Make your plan exact

Build it on your actual accounts — about 30 seconds.

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

🔒 Soft check only — it will not affect your credit score. No SSN needed, nothing to log into — just your date of birth and the code we text you.

Date of birth — numbers only

Code goes to

Enter the 6-digit code we just texted you.

Sent to your phone. It expires in 5 minutes.

Demo mode — no real text was sent. Use code 123456.

No harm done

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.

Your estimated plan is saved and waiting — nothing you entered is lost.

Call us now — (888) 863-3917

Reviewing programs available in your state…

Your estimated plan

Here's what we found.

Your estimated total payoff with MDS — everything included $0

—to debt-free

—estimated monthly payment

—if you keep paying minimums

0new loans taken out

Call now — (888) 863-3917

Soft check · won't affect your score · no SSN needed

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.

The line-by-line

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.

Call now — (888) 863-3917

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.

or schedule a time

All times in

1 · Pick a day

2 · Pick a time

You're on the calendar.

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

When—

We'll call—

Est. savings—

Save our number

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

Talk sooner — (888) 863-3917