Options For All Situations
Get Out Of Debt Fast!
Fast, Simple, Low Rate Consolidation Loans That Won’t Affect Your Credit Score.
*Available in all US States except Oregon and Puerto Rico!
Customized Plan
Dedicated Loan Specialist
Low Fixed Rate
Looking to get your debts back under control?
Below is the list of debt’s we can help you with!
Credit Cards
Our debt consolidation services can help you manage various types of credit card debt, including high-interest credit card balances, store card debts, and charges from multiple credit cards.
Personal Loans and Lines Of Credit
We specialize in consolidating various types of personal loans and lines of credit, including unsecured personal loans, home improvement loans, and medical loans.
Medical Bills
We provide debt consolidation solutions for various types of medical debt, including hospital bills, doctor visits, surgical procedures, and emergency room charges.
Collections and Repossessions
We offer debt consolidation services to help manage and resolve various types of debt related to collections and repossessions, including unpaid bills, defaulted loans, and reclaimed assets.
Business Debts
We provide debt consolidation services for business debts, including outstanding invoices, business loans, credit lines, and equipment financing. Our expert team will work with you to combine these debts into a manageable payment plan.
Certain Secured Debts*
We offer debt consolidation services for certain secured debts, such as auto loans and home equity loans. Our team will help you combine these debts into a more manageable payment plan.
*We can help with lawsuits and student loans in special cases – call us to get more information.
Debt Settlement Plans
How Does This Work?
Debt settlement is a negotiated agreement in which a lender accepts less than the full amount owed, sometimes significantly less, to legally settle a debt. This approach can serve as a feasible alternative to bankruptcy proceedings, particularly when dealing with debt collectors who frequently acquire debt at heavily discounted rates.
$2k – $200k
Loan amounts
1 – 7 years
Loan terms
24 hour
Settlement

Industry's Top Rated 2024 Debt Solutions Company!
Debt settlement companies work by negotiating with creditors on behalf of individuals who are struggling with debt. Here’s a general overview of how they typically operate:
01
Initial Consultation
Debt settlement companies typically begin with a consultation to evaluate the individual’s financial status, including debt amounts, income, expenses, and other pertinent details.
02
Developing a Plan
Using the gathered information, the debt settlement company crafts a customized plan, often involving allocating funds to a dedicated account for negotiating settlements with creditors.
03
Cease Payments
In many cases, the individual will stop making payments to creditors directly. Instead, they’ll divert those funds into the dedicated account set up with the debt settlement company.
04
Negotiation Process
The company initiates negotiations with creditors to settle debts for less than the full amount owed, often proposing a lump-sum payment in exchange for forgiving the remaining balance. Negotiations can be lengthy and may require multiple rounds of communication.
05
Payment
Upon reaching a settlement, you’ll utilize the funds in your account for a reduced lump-sum payment to the creditor, often less than your original debt. Some creditors may offer a payment plan if a lump-sum payment isn’t feasible for you.
06
Completion of Program
FAQS
Questions? We’re here to help
Find answers to our community’s questions below, or contact us to learn more.
Debt consolidation with Improve My Debt involves combining multiple debts into a single, manageable payment. Our program streamlines your payments, often resulting in reduced interest rates, making it easier for you to repay your debts.
Eligibility is typically assessed based on factors such as your current financial situation, outstanding debts, and credit history. Improve My Debt considers these aspects to tailor a debt consolidation plan that suits your specific needs and financial capabilities.
Improve My Debt specializes in consolidating unsecured debts, such as credit card balances, medical bills, and personal loans. Our goal is to simplify your repayment process and help you regain control of your finances.
Improve My Debt distinguishes itself through personalized debt consolidation plans, expert financial guidance, and a commitment to helping clients achieve financial freedom. Our team works closely with you to create a tailored solution that aligns with your unique circumstances and goals.
The duration of the debt consolidation process can vary based on individual circumstances. Factors such as the total amount of debt, creditor cooperation, and your ability to make consistent payments all play a role. Improve My Debt works efficiently to streamline the process and aims to help clients achieve debt freedom as promptly as possible.
Case Study
Recent Improve My Debt Case Study
Although program specifics vary, consider this recent client case as an example:
“John” approached Improve My Debt with a total debt of $15,000 stemming from credit cards and a personal loan, with monthly payments totaling slightly over $650. Transitioning to a fixed income, his primary goal was to lower his monthly payment burden and eliminate his debt. He opted to deposit $300 per month, aiming to achieve debt freedom within an estimated 36 months (3 years).
According to Improve My Debt’s strategy, “John” could potentially settle his debt for approximately $11,500, a significant reduction from the estimated $42,000 based on minimum payments.
Reviews
A 5-star experience
from start
to end
Don’t just take our word for it—hear from our satisfied clients! At Improve My Debt, we pride ourselves on delivering exceptional debt consolidation services that help individuals and businesses regain financial stability.

5-star reviews
John S.
Improve My Debt has been a lifesaver! They consolidated my credit card debts and provided a clear plan to pay them off.
Lisa M.
I was overwhelmed with personal loans and medical bills, but Improve My Debt made everything manageable.
Carlos R.
I never thought I'd find a way out of my business debts until I found Improve My Debt.
Emily K.
Dealing with collections and repossessions was a nightmare, but Improve My Debt turned things around for me.
Mark T.
They offered a plan that lowered my interest rates and simplified my monthly payments.
Sarah L.
The team at Improve My Debt is fantastic! They helped me with my medical bills and provided a clear, manageable path to pay them off. T

Meet The Team

Jeremy Smith
Owner and Certified Advisor

Daniel Celaya
Sr Credit Manager

Pete Renteria
Sr Credit Manager
-
TEXAS
3223 S. Loop 289, Suite 600
Lubbock, TX 79423
-
ARIZONA
10830 N. 71st Place, Suite 105
Scottsdale AZ 88254
Contact Us
What is the best way for you to get out of credit card debt?
We consult with you to find the best solution for your personal situation and make sure you know all of options available to you. Obtaining a loan isn’t necessary to overcome credit card debt. Through a debt management program, you can combine all your credit card balances into a single, more affordable monthly payment with a lowered interest rate. Achieving debt-free status is possible within a timeline of your choosing!
Get Qualified Today!
Simply fill out the form below to get qualified and connect with a loan expert.
Copyright © 2023-2024. All Rights Reserved by improvemydebt.com. Built by Business Web Social.