Debt Resolution Solutions connects you directly with your personal loan lender — no independent specialist, no middleman standing between you and a lower payoff. Takes about two minutes to see where you actually stand.
Many personal loans — especially the ones taken out when credit was already stretched thin — carry APRs of 20% or more. At that rate, 71% of a typical early payment covers interest before a single dollar reduces what you actually borrowed, which is how a balance can barely move no matter how consistently you pay.
Debt resolution takes a different route: instead of riding out the full loan term at that pace — where only 29% of an early payment ever touches principal — you negotiate directly with your lender for a lower payoff, often a lump sum or a short structured plan.
Three steps, no paperwork to get started, and nothing that locks you into anything.
A short set of questions about your personal loan — the lender, the balance, where things stand today. No documents needed yet.
We connect you directly with your lender's resolution team — no independent specialist, and no blast to every company in some network.
Talk it through directly with your lender, see the figures, and decide for yourself — with zero obligation to sign up.
One direct connection, no specialist in between — just you and your lender.
Getting connected through Debt Resolution Solutions costs nothing, no matter which lender you end up working with.
Encrypted in transit, shared only with the lender we connect you to — never sold off to unrelated call centers.
You're connected with your lender's team directly, instead of your number getting passed around.
Debt resolution tends to make the most sense once a loan balance has grown significant — your lender can confirm what's right for you.
There's no fee to see what your lender might offer, and no obligation once you do. The initial review runs on a soft look, so checking never dings your score.
None of this requires a spotless credit score or a finished budget spreadsheet — just an honest look at where things stand today.
A meaningful balance on one or more personal loans
Fixed payments that feel stuck — the balance barely moves month to month
Weighing bankruptcy, but wanting to see other options first
Behind, or worried about falling behind, on at least one loan
It isn't the right step for everyone — that's exactly why we connect rather than push. If it isn't a good fit for your case, your lender will tell you, and explain why.
A few of the people Debt Resolution Solutions has connected directly with their lender.
Two different loan companies were calling every week. Now I deal with one of them directly, and I know exactly what's happening each month.
Seeing the actual numbers laid out plainly, before I agreed to anything, made the decision a lot less stressful than I expected.
I'd put off dealing with it for a year out of embarrassment. The first call was just questions, not a pitch, and that's what got me to start.
Getting connected and reviewing your options is designed to work with a soft inquiry, if any, so it typically doesn't affect your credit score. If you move forward, ask your lender directly how their process works before signing anything.
No. We're a connection service. We connect you directly with your own personal loan lender — we don't lend money, negotiate on your behalf, or run a program ourselves.
Getting connected through Debt Resolution Solutions is free. Any change to your loan is worked out directly between you and your lender, and any fees involved are explained to you directly by your lender before you agree to anything.
It depends on your total loan balance, your lenders, and how much you're able to set aside each month. Your lender can walk you through a timeline specific to your case.
Most lenders in our network work with unsecured personal loans — banks, credit unions, and online lenders, including installment and no-credit-check loans. Secured debt like mortgages and auto loans usually isn't eligible.
Your information is encrypted in transit and shared only with the lender we connect you to — never sold to unrelated third parties or call centers.
It takes a couple of minutes, costs nothing, and doesn't obligate you to anything. Worst case, you walk away with a clearer picture than you had five minutes ago.
Important Disclosures: Debt Resolution Solutions is a marketing website that helps consumers reach their own personal loan lender's resolution or hardship team directly, and is not itself a debt settlement company, law firm, credit counseling agency, or lender. We do not provide legal, tax, or credit counseling advice, and we do not negotiate with your lender on your behalf — any change to your loan is agreed solely between you and your lender. There is no fee to use Debt Resolution Solutions. Debt resolution and hardship programs are not appropriate for every situation, are not offered by every lender, and are not available in every state — results vary based on your lender, account terms, and financial circumstances, and no specific reduction in your loan balance, timeline, or acceptance into a program is guaranteed by us or by your lender. Pausing payments as part of a resolution strategy may lead to added fees and interest, continued collection calls, or lawsuits, and can significantly lower your credit score. Resolved debt may be reported to the IRS as taxable income. We may be compensated by lenders in our network for connections made through this site. Review the Terms & Conditions and Privacy Policy before submitting any information.