“They took care of things…
they went the extra mile for me.”
Julie M., FDR Client

What We Do

Our program is designed to resolve your debt for significantly less than you owe — as quickly as possible.

Debt relief starts with your free evaluation

Our program is designed to resolve your debt for significantly less than you owe — as quickly as possible.


Free debt

First, one of our friendly Certified Debt Consultants walks you through a range of debt strategies to help determine if our program could be the right solution for your debt. It’s a short, no-obligation phone call. To request a call now, click here.



To help you succeed, we work with you to design a program that:

  • Could offer significant savings compared to making minimum payments
  • Enables you to resolve your debt in less time
  • Has a monthly program deposit you feel comfortable with

Your FDR program

Every step of the way, friendly customer service representatives are ready to answer questions and offer support.


Each month, you make a monthly deposit into an FDIC-insured Dedicated Account that you control.

Your Dedicated Account is the engine that drives your program. As you build it, our negotiations team creates a custom strategy to get you the best settlements.

You can track your Dedicated Account any time, using your online Client Dashboard.


FDR knows the best time to start negotiation, what type of settlement to negotiate, and how to leverage a settlement with one creditor to get a better settlement with another. We use this insight to create a negotiations strategy just for you.

As soon as you build up enough funds in your Dedicated Account, we put this strategy into action and a member of our negotiations team contacts your creditors.

Together, they discuss how much your debt could be reduced and arrange a settlement that offers the most savings possible.


Each time our negotiation experts reaches a settlement with one of your creditors, we immediately contact you for authorization.

Your authorization is required for every single settlement.


Debt freedom

After the full settlement amount is paid on each account, your creditors should report to the credit rating bureaus that your accounts are either settled in full, settled, paid, paid by settlement, or settled for less than the full amount.

Regardless of the term used, you no longer owe on any of your enrolled accounts once they are settled — their balances are zero.

Your debt is behind you!

Get your free evaluation

Debt relief starts with your free evaluation

Our Certified Debt Consultant will:

  • Walk you through our program as well as other debt relief options
  • Review your financial situation
  • Talk with you to understand your goals and hardships
  • Evaluate whether or not you may qualify for our program