We help people who
Tired of Drowning in Credit Card Debt?
If you're 28+ with steady income and over $15,000 in credit card debt, we help cut your payments — without loans, without bankruptcy, and without judgment.
See If You QualifyYou could free up $229 on your monthly payment
Pay Less Each Month
Reduce What You Owe
Get Out of Debt Faster
How are these numbers calculated?
Information provided in this graph is for informational purposes only. The “Current” bars assume only minimum monthly payments based on national average APRs and publicly available minimum payment calculations. Total cost reflects long-term interest. The “DebtRest” estimates reflect median savings outcomes from similar clients over the past 90 days. These are not guaranteed and depend on your financial profile.
Consumer approved, industry recognized
How It Works
Step 1
Fill out our short quiz (takes < 1 min) — no credit impact.
Step 2
We review your debt & build a personalized plan.
Step 3
You approve the plan and make just one payment.
Step 4
Watch your debt shrink — and your stress go with it.
Real People. Real Results.
"We were paying over $600/month across 5 cards. Now we’re down to $250 and finally making progress."
— James & Marissa, TX
"I was skeptical, but they helped me eliminate $30K in debt — no loans, no judgment, no stress."
— Robyn G., CA
"They treated me with respect. No confusing terms — just clear steps and real savings."
— Amanda T., FL
We’ll Walk You Through All of Your Options
Whatever your income or financial situation, we have counselors ready to help you build a personalized action plan — with the right resources for your unique journey.
Debt Management Plan
Reduce interest rates and combine all payments into one simple monthly plan — no new loan required.
Debt Consolidation
Combine multiple debts into one — with the possibility of lower interest, better terms, and easier budgeting.
Bankruptcy
In some cases, starting fresh is the right path — we'll explain the pros and cons without pressure or judgment.
Frequently Asked Questions
What is debt consolidation?
Debt consolidation is the process of combining multiple high-interest credit card balances into a single, more manageable payment. The goal is to simplify your finances and potentially lower your interest rate. It’s a strategy often used to avoid falling further into debt. You can learn more about the benefits of debt consolidation from the Consumer Financial Protection Bureau.
Will this affect my credit score?
In most cases, you may see a small dip in your credit score at the beginning. However, over time, clients who stick to their program typically see improvement as accounts are paid down or resolved. Making regular payments and avoiding new debt are key. For more, check out this article by Experian on the impact of debt consolidation on credit scores.
How long does it take to become debt-free?
Most of our clients complete their debt resolution plans within 24 to 60 months, depending on their total debt and how consistently they contribute to the program. Unlike minimum credit card payments, which can stretch out for decades, a structured plan provides a clear timeline. You can estimate your potential timeline using a minimum payment calculator.
Is this a loan?
No — Debt Rest’s program is not a loan. It’s a personalized debt relief strategy tailored to your unique financial situation. There are no new lines of credit involved. Instead, we help you negotiate and resolve your debts with the goal of reducing what you owe. Learn the difference between debt consolidation loans and debt settlement from NerdWallet.
You Can Count On Us
