Debt Relief With a Clear Path Forward
Behind on credit cards, personal loans or medical bills? Meridian Debt Resolution works with your creditors to settle your unsecured debt for less than the full balance, so you can trade a stack of monthly bills for one manageable deposit and a plan with a finish line.
- No upfront fees. We're paid only after a settlement you approve.
- One monthly deposit into an account you own.
- Leave anytime, without a penalty.
Association for Consumer Debt Relief
Thanks, you're all set.
A Meridian debt specialist will reach out within [one business day] to walk through your options. There's no obligation to enroll.
You're not alone, and you're not out of options
A job loss, a medical emergency, a divorce, or a payday loan that kept rolling over. It doesn't take much for manageable bills to turn into a cycle that minimum payments never seem to break. If that sounds familiar, you're in good company, and there is a way forward.
Ask yourself:
- ?Are you only able to make the minimum payment, or falling behind on it?
- ?Are your balances staying the same, or growing, even though you pay every month?
- ?Are you using one card or loan to pay another?
- ?Are collection calls and letters adding stress to your day?
If you answered yes to any of these, a free conversation with our team can help you understand every option available to you, including whether debt settlement makes sense.
Talk to a Debt SpecialistWhy people choose Meridian Debt Resolution
Pay less than you owe
Our negotiators work directly with your creditors to settle each enrolled debt for less than the full balance, helping you get out of debt faster than minimum payments alone.
One affordable monthly deposit
No more juggling due dates. You make one deposit into a dedicated account that you own, and we build your plan around an amount that fits your budget.
No upfront fees, no obligation
Your evaluation is free. We don't charge a fee until we reach a settlement, you approve it, and a payment is made to that creditor.
You stay in control
You own your dedicated account, you approve every settlement before money moves, and you can leave the program at any time without a penalty.
How it works
- 1
Get your free evaluation
Tell us about your debts and your budget. We'll walk through your options with you, including whether debt settlement is the right fit, and give you a written estimate.
- 2
Build your savings
Make one monthly deposit into an FDIC insured dedicated account held in your name by an independent account administrator.
- 3
We negotiate, you approve
As your savings grow, we negotiate with your creditors. You approve every offer before any money moves, and each settled account is resolved for good.
Debts we can help with
Our program is designed for unsecured debt, which means debt that isn't tied to collateral like a house or a car.
Usually eligible
- Credit cards and store cards
- Personal and signature loans
- Medical bills
- Accounts in collections
- Payday loans and online installment loans
- Some private student loans and business debts (reviewed case by case)
Not eligible
- Mortgages and home equity loans
- Auto loans and other secured debt
- Federal student loans
- Taxes owed to the IRS or your state
- Child support and alimony
Is debt settlement right for you?
Debt settlement can be a powerful tool, but it isn't the right fit for everyone, and we'll be honest with you about that.
It may be a good fit if
- You've been through a financial hardship
- You're struggling to keep up with minimum payments
- You owe at least [$7,500] in eligible unsecured debt
- You can commit to a steady monthly deposit
Another option may be better if
- You can comfortably make your payments today
- You plan to apply for a mortgage or other major loan soon
- Most of your debt is secured, like a home or car loan
- You need to protect your credit score in the near term
If credit counseling, a consolidation loan or a conversation with a bankruptcy attorney would serve you better, we'll tell you. Our goal is to help you find the right path, even when it isn't ours.
What to know before you enroll
The best decisions are informed ones. Before you choose debt settlement, it's important to understand that:
We walk through every one of these with you before you sign anything. Have more questions? Read our FAQ.
- Not every creditor agrees to settle, and no company can guarantee a specific result or timeline.
- Your credit score will likely drop during the program, especially while accounts are past due.
- Creditors may continue to call, and some may file a lawsuit to collect.
- Interest and late fees may keep adding up until a debt is settled.
- Forgiven debt may be considered taxable income.
What our clients are saying
Ready to see your options?
Your free evaluation takes about [15] minutes, and there's no obligation to enroll. Let's find your path forward together.
Prefer email? Write to us anytime at contact@meridiandebtresolution.com.