Free to check No impact on credit score BBB A+ accredited partners $10,000+ debt
$
DollarYou
147,000+ people helped · Since 2024
For $10,000+ in credit card debt

See your options to pay off debt in 24–48 months — without bankruptcy.

A 60-second qualification check shows what programs you may qualify for, your estimated monthly payment, and how much you could save. Free, no obligation, won't touch your credit score.

  • Reduce what you owe by 40-60% on average
  • One monthly payment instead of juggling cards
  • Most clients debt-free in under 3 years
  • Pre-qualified offers only — no spam, no calls
See my options →
Takes about 60 seconds. No SSN. No commitment.
Person reviewing finances at kitchen table
SAVE UP TO 60% OF YOUR DEBT
$420M+
Total debt resolved through partner programs
147,000+
Households helped since 2024
52%
Average debt reduction on settled accounts
28 mo.
Average time to debt-free

Find Your Best Option

60 seconds · no SSN · no impact on your credit

STEP 1 OF 3 · How much do you owe?

How Dollar You works

We match you with vetted debt-relief programs through our partner network. We don't service the debt ourselves — we help you find the right provider based on what you owe, what you owe it on, and where you live.

1

Tell us about your debt

60-second form: how much you owe, what kind of debt, basic contact info. Soft inquiry only — won't affect your credit score.

2

Match with vetted providers

We compare your situation against our network of BBB-accredited debt-relief specialists and surface the 1-2 best fits for your case.

3

Talk to a real person

Free consultation with the matched provider. They'll explain your options, expected savings, and timeline. You decide if it's right.

What people say after

A few notes from people who started here in the last 18 months.

★★★★★
"I had $38,000 across four credit cards and was making minimums forever. The program they matched me with settled it for $19,400. I'm done in 31 months instead of never."
Tanya R.
Mesa, AZ · Settled 2025
★★★★★
"Honest about the trade-offs from the first call. Yes my credit dropped initially. Yes it's slowly coming back. The peace of mind from one payment a month was worth it."
Marcus B.
Charlotte, NC · 18 months in
★★★★★
"Found this after googling at 2am. The form was actually 60 seconds. The provider called me the next day, walked through my numbers, no pressure. Started the program three weeks later."
Jennifer H.
Portland, OR · Just started

Questions people ask first

Will checking my options affect my credit score? +
No. Filling out the 60-second form is a soft inquiry only — same as checking your own credit. The hard inquiry (if any) only happens if you decide to move forward with a specific program after consultation.
What kinds of debt qualify? +
Most unsecured consumer debt: credit cards, personal loans, medical bills, store cards, and some private student loans. Secured debt (mortgage, auto) and federal student loans are not eligible.
Is this debt consolidation or debt settlement? +
Depends on your situation. Our partner network includes both. Consolidation rolls your debts into one loan at a lower rate; settlement negotiates with creditors to accept less than what you owe. The consultation explains which fits you.
Will my credit score go down? +
Settlement programs typically cause a short-term credit drop (the accounts go delinquent during negotiation), but most clients recover and exceed their starting score within 2-3 years of completion. Consolidation usually has minimal credit impact.
How does Dollar You make money if it's free for me? +
Our partner providers pay us a referral fee for qualified matches. You pay nothing to Dollar You. Any program fees from the provider are clearly disclosed during your consultation, and you decide whether to move forward.
What if I have less than $10,000 in debt? +
Most debt-relief programs require $10,000+ to make the math work. If you owe less than that, you're usually better served by a balance-transfer card, a small personal loan, or just an aggressive payoff plan. We'd rather tell you that than match you with the wrong program.

Important disclosure & advertiser information

Dollar You is a lead-generation service. We are not a debt-relief company, debt consolidator, lender, or credit counselor. We match qualified consumers with debt-relief specialists in our partner network. We do not provide legal, financial, or tax advice. Consultation with our matched providers is free; if you enroll in a partner program, fees are disclosed to you in writing before enrollment.

Results vary by individual. The "52% average debt reduction" and "28-month average to debt-free" figures are averages reported by our partner providers for clients who completed their programs in 2024-2025. Your actual results depend on your debts, creditors, income, and willingness to follow the program. Debt-relief and debt-settlement programs may have negative impacts on credit scores, may result in collection actions, may have tax implications, and may take several years to complete.

Not all consumers qualify. Programs typically require $10,000+ in unsecured debt and a documented financial hardship. Federal student loans, secured debt (mortgages, auto loans), and tax debts are generally not eligible. Service is available in most U.S. states; some states have additional requirements.

By submitting this form, you consent to be contacted by Dollar You and one or more of our partner debt-relief providers by phone, text, or email, at the number and email you provided, even if that number is on a Do Not Call list. Standard message and data rates may apply. Consent is not a condition of any purchase or service. You may opt out at any time. See our Privacy Policy and Terms of Service.

© 2026 Dollar You · A debt-relief lead-generation service · Not a lender or debt-settlement provider
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