Cut Your Credit Card Payments In Half — Without Bankruptcy.
For Americans with $10,000+ in credit card debt. Combine your balances into one lower monthly payment at a reduced interest rate—checking your options won't impact your credit.
★★★★★
Their education-first approach stood out — they took the time to clearly explain my options without pressure or judgment. Honest guidance and a real path forward. Highly recommend.
Pam E.
Verified client · Florida
TRUSTED BY OUR CLIENTS ON
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★
Trustpilot
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ACCREDITED BY
FREE CONSULTATION
See If You Qualify in 60 Seconds
No impact to your credit • No obligation
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Estimated monthly program payment
$472/mo
*Estimate only. Actual payment depends on your individual debt profile. Results vary. Not all debts are eligible. Debt resolution may hurt your credit and may have tax consequences.
Takes less than 60 seconds
20,000+
Clients Helped
12-48 Mo.
Avg. Time to Debt Freedom
$50M+
Debt Resolved
48 States
Clients Served Nationwide
Soft Check
No Impact to Your Credit Score
$0 Upfront
Free Consultation, No Obligation
OUR SOLUTIONS
Three Ways to Get Out of Credit Card Debt
Not every debt problem has the same fix. After a short review of your balances, income and credit, we show you which path fits — and what each one really costs.
Option 01
Roll several high-interest credit card balances into one fixed monthly payment, usually at a lower interest rate. Best if your credit is fair to good and you want to pay less interest and finish sooner.
Option 02
For larger balances you can't realistically repay in full. Certified negotiators work with your creditors to settle for less than you owe, and you make one monthly program deposit instead of several card payments.
Option 03
A fixed-rate installment loan from a lending partner that pays off your cards directly. You get a set payoff date and a predictable monthly payment.
How it works
How Credit Card Debt Resolution Works
Built around how unsecured debt actually works — not a one-size-fits-all script.
Step 01
Tell us about your situation
Share a few quick details — debt amount, types, and your goals. Takes about two minutes. We use a soft credit check to find your best options — it won’t affect your credit score.
Step 02
Get matched with options
We pair you with industry-leading partners that fit your profile. You’ll see a personalized assessment with clear numbers.
Step 03
Choose what works for you
Pick the path forward — or take time to think it over. The conversation is always free, and there’s never any pressure.
COMPARE YOUR OPTIONS
Debt Resolution vs. Consolidation vs. Bankruptcy
Each option trades off cost, time and credit impact differently. Here's how they compare for typical credit card debt.
Option A
Debt Consolidation
A new loan pays off your cards. You repay 100% of the balance at a lower interest rate, usually over 2–5 years. Your credit dips slightly, then often improves with on-time payments. Best for fair-to-good credit and steady income. No public record.
Option B
Debt Resolution
Certified negotiators settle your balances for less than you owe, plus a program fee. Most programs take 2–4 years. Your credit drops significantly during the program. Best for $10,000+ you can't realistically repay in full. No public record.
Option C
Bankruptcy (Chapter 7)
A court discharges most unsecured debt in about 3–6 months, so you repay little or none. It's a public record and can stay on your credit report for up to 10 years. Usually a last resort when there's no realistic way to repay.
ELIGIBILITY
Who Qualifies for Credit Card Debt Resolution?
You may be a good fit if most of these sound like you. Mortgages, auto loans, federal student loans and tax debt aren't covered.
Your debt
$10,000+ in unsecured debt
You owe $10,000 or more on credit cards, store cards, medical bills or personal loans, and your balances barely move even though you pay every month.
Your situation
Payments feel out of reach
Minimum payments take a growing share of your income, or you're facing a hardship like reduced income, job loss, divorce or medical costs — and you want to avoid bankruptcy.
Where you live
48 states served
We work with clients in every state except Oregon and West Virginia. If debt resolution isn't the right fit, we'll tell you so and point you to the right kind of help.
COSTS & TIMELINE
What Does Debt Resolution Cost?
The consultation is free, and you'll see your total cost in dollars before you enroll.
No upfront fees
$0 to get started
The consultation is free. Under federal rules, debt resolution companies can't charge a fee until at least one debt is settled and you've made a payment toward that settlement.
What you'll pay
Clear costs, shown upfront
Consolidation and personal loans: your loan's APR and any lender origination fee. Debt resolution: a performance-based fee, charged only as each debt is settled.
How long it takes
Typically 12 to 48 months
It depends on how much you owe and what monthly payment fits your budget. A larger monthly deposit usually means finishing sooner.
5-star reviews
ClearPath Financial Network Reviews
Verified reviews from clients on Trustpilot and Google.
Rated 5 out of 5 stars
“ClearPath Financial Network is outstanding. The team was very professional and explained everything clearly from start to finish. I was a little hesitant at first, but reaching out turned out to be one of the best decisions I’ve made. I highly recommend working with them. Thanks again for all your help!”
Ben G., Florida
Verified Review
Rated 5 out of 5 stars
“Great experience — my rep was knowledgeable, honest, and very responsive. Highly recommend for anyone needing help with debt solutions.”
John H., New York
Verified Review
Rated 5 out of 5 stars
“I had a great experience with ClearPath Financial Network. They were patient, professional and took the time to clearly explain my options. I left feeling informed and confident about my next steps and would highly recommend them!”
Cristina H., New York
Verified Review
FAQ
Credit Card Debt Resolution: Common Questions
Straight answers to the questions we hear most. Still unsure? A free consultation takes about two minutes.
Question 01
Will checking my options hurt my credit score?
No. We use a soft credit check, which doesn't affect your score. A hard inquiry happens only if you apply for a loan.
Question 02
Is debt resolution better than bankruptcy?
For most people with unsecured debt, yes. Debt resolution avoids a public court record and usually does less long-term credit damage. Bankruptcy may still be right if you have no realistic way to repay; we'll tell you if that's your situation.
Question 03
How much can I save?
It depends on your balances, your creditors and what monthly deposit fits your budget, and results vary from person to person. Your free assessment shows your own estimate, in dollars, before you commit to anything.
Question 04
Do I have to pay anything upfront?
No. The consultation is free, and you'll see your total cost in dollars before you enroll. Under federal rules, a debt resolution fee can't be charged until a debt is settled and you've made a payment toward that settlement. With a consolidation or personal loan, your cost is the loan's APR plus any lender origination fee.
Question 05
What kinds of debt can you help with?
Unsecured debt: credit cards, store cards, medical bills, collections and most personal loans. We don't handle mortgages, auto loans, federal student loans or tax debt.
Question 06
How long does the process take?
Most debt resolution programs finish in 12 to 48 months, depending on how much you owe and the monthly deposit that fits your budget. A larger deposit usually means finishing sooner. Consolidation loans pay off your cards right away and then follow the loan's term.
ACCREDITED PARTNERSHIP
OCCAM Alliance Accredited Member
The OCCAM Consumer Financial Hardship Advocate Certification reflects advanced training and a strong commitment to ethical standards within the debt relief and consumer advocacy space. This designation demonstrates that the certified professional has completed comprehensive education and evaluation focused on assisting consumers facing financial hardship.