Debt Relief

How Our Program Works

You’re always in control while we handle the heavy lifting for you.

Talk to us for a free consultation

We’re here to listen. Share your situation, and together we’ll explore your debt resolution options. No pressure, no strings attached—just a caring conversation about your financial future.

Get a personalized plan just for you

Every person’s journey is different, and your debt resolution plan should reflect that. We’ll create a tailored plan based on your financial needs and budget, with an aim to reduce debt stress through manageable monthly drafts.

Build a solid plan

Our expert guidance helps you resolve your debt and start fresh in a timeframe typically ranging from 24 to 60 months*. While timelines vary based on individual circumstances, we’re here to help you progress at a pace that works for you.

Types of debt we can help with

Our experienced negotiators work with major credit card companies and financial institutions to secure potentially favorable outcomes for the following unsecured debt.

Credit Card Debt

Personal Loans

Lines of Credit

Medical Bills

Collections

Repossessions

Certain Business Debts

Certain Private Student Loans

Why Choose Formula Finanical?

Here’s how we set you up for financial success:

Personalized Support

We understand your financial situation is unique, so we tailor our approach specifically for you. We’ll work closely with you to create a plan that fits your specific needs.

Crystal-clear Communication

You’ll always know where you stand with exceptional client service. From start to finish, we’ll keep you informed and in control by providing regular updates and doing regular check-ins throughout the program.

No Upfront Fees

Our program is performance-based, so until we reach a settlement and approve it by you, the program cost is zero. Once the creditor receives their first payment, we do charge a 25% fee of your original debt amount, which is budgeted in your monthly draft.

Safeguard Your Future

Anticipate potential risks coming your way and be proactive in safeguarding your future by considering our optional legal insurance add-on. For a discounted rate, you can enjoy benefits such as identity protection, tax services, and more.