I had two collectors calling every other day. Now there's just one lender I deal with, and I actually understand what's happening month to month.
MD
Marcus D.
Personal loan resolution, Georgia
Complimentary review. Nothing to sign to look.
There's more room on your loan than you think.
Straight to your own lender's resolution desk — no middleman. Just a clear look at what's possible.
Request my free review
Checking your options won't affect your credit score.
No middleman inserted
Reviewed by an actual expert
Your lender explains it, directly
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Why people go direct instead of through a network
Licensed lenders nationwide
Straight to your servicer's own team
A soft look that won't touch your score
No cost to start the conversation
Availability, terms, and outcomes vary by lender and individual circumstance — full disclosures are below.
A fixed monthly payment can hide how little progress is actually being made.
Two ways the same loan can play out — and why one of them barely moves the balance at all.
The stall
Personal loans issued at steeper rates — often the ones approved when credit history was thin or uneven — can quietly stall. A large share of every early payment goes toward interest alone, long before it ever touches the balance itself. That's why the number on the statement barely moves for months, even without a single missed payment.
The alternative
There's another way to approach it: rather than working through the full loan term at that pace, it's often possible to negotiate a different resolution directly with the lender who issued it — whether that means a single settlement or a restructured plan built around what's realistic for you.
Every loan is different — your lender can walk you through what applies to yours.
What actually happens once you reach out.
A short, guided path — nothing to sign along the way, and no pressure to keep going.
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Share a few basics
A short set of questions about the loan itself — who holds it, roughly where the balance stands, and how payments have been going.
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Connect straight to your lender
We route you to your lender's own resolution desk directly — not a call center, and not an outside firm added into the mix.
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Review the real numbers
Go over what's actually on the table with the people who issued the loan, and decide for yourself — no obligation either way.
You'll hear from your lender's own team directly — not a form letter that leaves you waiting.
- No cost to explore your options
- Your lender explains everything directly — no middleman
- You decide whether to move forward
What working with Clear Debt Experts is actually like.
One direct line to the lender who already knows your loan — nobody standing in between.
No cost to get connected
There's never a charge to be connected through Clear Debt Experts, no matter which lender is on the other end.
Your details stay protected
Information is encrypted moving through our system and shared only with the lender you're connected to — never handed off to outside call centers.
One conversation, not a dozen calls
You're routed to your lender's team directly, instead of having your number circulated around a network.
Best suited to larger, aging balances
This path tends to make the most sense once a balance has been sitting for a while — your lender can tell you if that applies to your situation.
Looking at your options costs nothing to explore.
Finding out what a lender might be willing to work out costs nothing, and looking doesn't commit you to anything. The initial review relies on a soft inquiry, so it won't touch your credit score.
- Only a soft pull — your score stays untouched
- No obligation to accept whatever's offered
- Reviewed by your actual lender, not a script
Connection statusIn progress
Details reviewed
Soft pull only — no score impact
Connected to your lender
Your lender is reviewing your file directly
Comparing your options
Ready for you to review
Cost to reviewNone
This is probably worth exploring if you're dealing with —
A perfect credit score or a fully mapped-out budget isn't required — just a willingness to look at where things actually stand.
See if this fits my situation
Or call (833) 732-0976 to talk it through first.
Complimentary, no-obligation review
A short, guided process
A meaningful balance sitting on one or more personal loans
Payments that never seem to move the balance, month after month
Weighing bankruptcy, but wanting to rule out other paths first
Already behind, or worried about falling behind, on a loan
This isn't the right move for everyone — which is exactly why we connect instead of push. If it doesn't fit your situation, your lender will say so, and explain why.
What people say once the real numbers are on the table
A few voices from people Clear Debt Experts has connected directly with their own lender.
Seeing the real numbers laid out plainly, before I agreed to anything, made the decision a lot less overwhelming.
PR
Priya R.
Personal loan resolution, Arizona
I put this off for the better part of a year out of embarrassment. The first conversation was just questions, not a pitch, and that's what got me to actually follow through.
DK
Daniel K.
Multiple personal loans, Oregon
Questions people usually ask first
Getting connected and looking at your options is built around a soft inquiry, if there's one at all, so it typically won't touch your credit score. If you decide to move forward, ask your lender directly how their process affects your credit before you sign anything.
No. We're a connection service, not a lender or settlement company. We put you in direct touch with your own personal loan lender — we don't lend money, negotiate on your behalf, or operate a program of our own.
Connecting through Clear Debt Experts costs nothing. Whatever changes on your loan gets worked out directly between you and your lender, and any fees involved are explained to you by your lender before you agree to anything.
That depends on your total balance, your lender, and how much you can realistically set aside each month. Your lender can lay out a path that actually matches your situation.
Most of the lenders we work with handle unsecured personal loans — bank loans, credit union loans, online installment loans, and no-credit-check loans. Secured debt, like a mortgage or an auto loan, usually doesn't qualify.
Your information is encrypted in transit and only shared with the lender we connect you to — it's never sold off to unrelated third parties or call centers.
Get a clearer picture of where this could actually go.
It costs nothing to look, and looking doesn't commit you to anything. At worst, you walk away knowing more than you did before.
Request my free reviewNo cost to check your options
No obligation to enroll in anything
No third party between you and your lender
Continue Your Request
See what fits your situation.
Share a few quick details below and a specialist will personally review your file and follow up with clear next steps — no scripts, no runaround.
No application fee charged by this website
Soft pull only — this won’t affect your credit score
Bank-level encryption on everything you submit
Prefer to talk? Call (833) 732-0976
Clear Debt Experts
CONTINUE YOUR REQUEST
Clear Debt Experts
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By checking the consent box and clicking “Continue” / “Submit”, you agree to our Terms & Conditions and Privacy Policy, provide your electronic signature under the E-SIGN Act, and grant prior express written consent under the Telephone Consumer Protection Act (TCPA, 47 U.S.C. § 227) authorizing Clear Debt Experts (1) and its Marketing Partners (including Alleviate Financial Solutions, Monevo, Americor, Tri-Point Lending, Trusta Financial, Reset Lending, and Liberty First Lending LLC) to contact you by call or text (including via ATDS, artificial/prerecorded or AI voice, or ringless voicemail) even if on a Do-Not-Call list. Consent is not a condition of purchase or credit. Additionally, by clicking on the “Continue” button above, I am providing express written consent under the Fair Credit Reporting Act for Clear Debt Experts (1), its partners (including Monevo and Alleviate Financial Solutions), to obtain my consumer credit report from my credit profile or other information from a Credit Bureau(s) in order to provide me with personal loan and debt consolidation options without affecting my credit score.
By checking the consent box and clicking “Continue” / “Submit”, you agree to our Terms & Conditions and Privacy Policy, provide your electronic signature under the E-SIGN Act, and grant prior express written consent under the Telephone Consumer Protection Act (TCPA, 47 U.S.C. § 227) authorizing Clear Debt Experts (1) and its Marketing Partners (including Alleviate Financial Solutions, Monevo, Americor, Tri-Point Lending, Trusta Financial, Reset Lending, and Liberty First Lending LLC) to contact you by call or text (including via ATDS, artificial/prerecorded or AI voice, or ringless voicemail) even if on a Do-Not-Call list. Consent is not a condition of purchase or credit. Additionally, by clicking on the “Continue” button above, I am providing express written consent under the Fair Credit Reporting Act for Clear Debt Experts (1), its partners (including Monevo and Alleviate Financial Solutions), to obtain my consumer credit report from my credit profile or other information from a Credit Bureau(s) in order to provide me with personal loan and debt consolidation options without affecting my credit score.
Clear Debt Experts
Direct-to-lender resolution
(833) 732-0976
Mon – Fri, 8:00am – 6:00pm CT
4620 Ashworth Terrace, Suite 310, Charlotte, NC 28202
Important Lending, Financial Services, Fair Credit Reporting Act (FCRA), E-SIGN & Telephone Consumer Protection Act (TCPA) Disclosures
Lead Generator & Service Disclosure: Clear Debt Experts (1) is a marketing lead generator and referral network and is not a lender, law firm, CPA firm, or government agency, does not make credit or lending decisions, and cannot guarantee approval, loan amount, settlement outcome, rates, or terms. We connect applicants with participating Financial Services Companies and Direct Buyers / Resolution Desks and may share your application information with them; we may be compensated by participating partners for this service. We do not charge an application fee. Programs and loans are not available in all states, and amounts, rates, and terms vary by state and provider.
Fair Credit Reporting Act (FCRA) Written Consent: Additionally, by clicking on the “Continue” button above, I am providing express written consent under the Fair Credit Reporting Act for Clear Debt Experts (1), its partners (including Monevo and Alleviate Financial Solutions), to obtain my consumer credit report from my credit profile or other information from a Credit Bureau(s) in order to provide me with personal loan and debt consolidation options without affecting my credit score.
TCPA Prior Express Written Consent (47 U.S.C. § 227) & E-SIGN Disclosure: By checking the consent box and submitting a request on this website, you provide your electronic signature under the E-SIGN Act and grant prior express written consent under the Telephone Consumer Protection Act (TCPA, 47 U.S.C. § 227) authorizing Clear Debt Experts (1) and its designated Marketing Partners (including Alleviate Financial Solutions, Monevo, Americor, Tri-Point Lending, Trusta Financial, Reset Lending, Liberty First Lending LLC, and participating Financial Services Companies and Direct Buyers / Resolution Desks) to contact you at the telephone number (including wireless/mobile numbers) and email address provided via recurring marketing, promotional, and informational calls and SMS/MMS text messages using an automated telephone dialing system (ATDS), artificial or prerecorded voice, AI-generated voice, or ringless voicemail, even if your telephone number is currently listed on any Federal, State, or corporate Do-Not-Call (DNC) registry. Consent is strictly voluntary and is not a condition of purchasing any goods or services or obtaining credit or financing. Message and data rates may apply; message frequency varies. Reply STOP at any time to opt out of text messages or HELP for assistance.
View Full Directory of Designated Marketing Partners, Direct Buyers (105) & Participating Financial Services Companies (170)
Credit Profile & Loan Marketplace Partners: Monevo, Alleviate Financial Solutions.
Direct Buyers & Lending / Resolution Desks: Americor (Americor Funding LLC / Americor Holdings LLC), Tri-Point Lending (Tripoint Lending), Trusta Financial, Reset Lending, Liberty First Lending LLC, Lift Lending, LendingPoint LLC, AmOne (QuinStreet Inc.), Acorn Finance LLC, Element Financial (Element Tree), Summit Debt Group (Summit DG), Clarity Debt Resolution Inc., Consumer First Debt Resolution LLC, KeyShot Funding, United Holding Group (UHGP), Monument Debt Relief Partners LLC, Fidelity National Debt Relief Group LLC, 1West Finance (1West), Credibly (Retail Capital LLC), Fora Financial LLC, RoundSky Inc. (RoundSky), Lendio Inc., Credible Labs Inc., Payless Now, AVTax Legal Group, TaxTiger Resolution Services Inc., Timberline Tax Group LLC, Direct Business Funding Desk (MCA DFN / Direct Funding Now), Mulligan Funding LLC, Forward Financing LLC, Clear Debt Financial, Symple Lending LLC, NerdWallet Compare Inc., Even Financial Inc. (MoneyLion Enterprise), Alleviate Financial Solutions, Springview Financial, AmeriPro Debt Settlement Desk LLC, Veritas Financial Resolution Group Inc., My Debt Solution (MDS), Amerigard Financial, Sterling Ridge Debt Advocates LLC, Liberty Bell Debt Resolution Partners, Venture Media, MX United, LeadPoint Inc. (LoanBright), LendingArch US Inc., AG Debt Relief, TurboDebt LLC, Atlas Consumer Debt Relief LLC, Beacon Financial Resolution Desk Inc., Alliance Tax Defense, Omni Tax Resolution (OMN), Alleviate Tax LLC, Solvable Inc. (Tax & Debt Marketplace), CuraDebt Tax Resolution Desk, Ovation Tax Group, Logiqs, Wall & Associates Tax Resolution Inc., 20/20 Tax Resolution Inc., Alliance Funding Group (AFG), Libertas Funding LLC, BHG Financial (Bankers Healthcare Group LLC), Mulholland Investment Group (Select Funding), Expansion Capital Group LLC, Channel Partners Capital LLC, National Funding (QuickBridge), Kapitus LLC, Balboa Capital Corporation, TimePayment Corp., David Allen Capital Inc., ROK Financial LLC, National Business Capital LLC, ARF Financial LLC, Momen Legal Services, P.C. (MLS), Consumer Legal Group (CLG), Centennial Debt Relief Partners LLC, Heritage Consumer Resolution Group LLC, Covenant Debt Relief Solutions Inc., Lexington Consumer Debt Desk LLC, Cornerstone Financial Advocates Inc., United Settlement Network LLC, Go Ads LLC, Paraclete Law, P.C., Flat Fee Tax Service Inc., Tax Law Advocates LLC, Morgan Financial & Tax Law Group PLLC, National Legal Intake Network LLC, Monevo, Engine by MoneyLion (Fiona), Spring Financial Group LLC, LendingUSA LLC, Pagaya Technologies US LLC, LendingTree, SuperMoney LLC, Bills.com (Freedom Financial Network LLC), FinTech Marketplace Partners LLC, First Premier Lending Solutions LLC, LoanDepot Personal Lending Desk, Universal Loan Network LLC, CrossRiver Marketplace Desk, Pathward Consumer Credit Desk, SmartCredit, Oasis Financial, Walker Advertising (Los Defensores), 4LegalLeads.
Participating Financial Services Companies: Freedom Debt Relief LLC, National Debt Relief LLC, Accredited Debt Relief LLC, GreenPath Financial Wellness Inc., Money Management International Inc. (MMI), Pacific Debt Relief Inc., CuraDebt Systems LLC, Consolidated Credit Solutions Inc., InCharge Debt Solutions, Take Charge America Inc., New Era Debt Solutions Inc., ClearOne Advantage LLC, Century Support Services LLC, Cambridge Credit Counseling Corp., American Consumer Credit Counseling Inc. (ACCC), Beyond Finance LLC, JG Wentworth Debt Relief LLC, Oak View Law Group APC, Navicore Solutions, Apprisen Financial Advocates, Premier Debt Help LLC, Guardian Debt Relief LLC, DebtBlue LLC, Credit9 Lending & Settlement Support LLC, FDR Financial Services Group LLC, Timberline Financial LLC, Alleviate Financial Solutions, Landmark Debt Relief Corp., CountryWide Debt Relief LLC, Foothill Debt Resolution Advisors LLC, Bayside Consumer Debt Relief Corp., Harborstone Debt Settlement LLC, BlueHarbor Debt Solutions LLC, Bridgewater Financial Relief LLC, Stonebridge Debt Settlement Partners LLC, Ironwood Financial Relief Services Inc., ClearPath Credit & Debt Relief Corp., Pinnacle Debt Resolution Group LLC, Sovereign Debt Advocates Inc., Rescue One Financial LLC, Cypress Creek Debt Resolution Group LLC, Cornerstone Debt Settlement Partners LLC, Redwood Debt Relief Advisors Inc., SilverCreek Debt Resolution LLC, Meridian Point Debt Relief Solutions, First Harbor Debt Settlement Services LLC, Summit Peak Debt Relief Advisors, Avalon Coast Debt Resolution Partners, Granite State Debt Relief Solutions LLC, Highland Park Debt Settlement Group LLC, Anchor Point Debt Relief Services Inc., Patriot Ridge Debt Resolution Group, Trident National Debt Relief LLC, Upgrade Inc., Upstart Network Inc., Avant LLC, PenFed Personal Lending Services, Discover Personal Loans (DFS Services LLC), Prosper Funding LLC, Achieve Personal Loans (Freedom Financial Asset Management LLC), LendingClub Bank N.A., First Tech Personal Lending Services, Laurel Road Consumer Lending (KeyBank Division), Best Egg (Marlette Funding LLC), OneMain Financial Group LLC, SoFi Lending Corp., Figure Lending LLC, Earnest Operations LLC, BHG Money Consumer Lending, LightStream (Truist Bank Division), Happy Money Inc., Monevo, Pagaya Consumer Credit Network LLC, Scratchpay Financial Services LLC, Universal Credit Services LLC, Reach Financial LLC, NetCredit Loan Services LLC, Sunbit Financial Services Inc., Varo Personal Credit Services, Mariner Finance LLC, Oportun Inc., OppFi (Opportunity Financial LLC), Lendly Financial LLC, Possible Finance Inc., Republic Finance LLC, Regional Finance Corp., Heights Finance Corp., Tower Loan (First Tower Finance Company LLC), 1st Franklin Financial Corporation, World Finance Corp., Security Finance Corp., First Heritage Credit LLC, Pioneer Military & Consumer Lending Inc., Sun Loan Company, Covington Credit Inc., Southern Finance LLC, Lendmark Financial Services LLC, Splash Financial Inc., SpringLeaf Consumer Loan Group LLC, Apex Meridian Personal Lending LLC, Beacon Crest Personal Loans Corp., Crestview Consumer Finance Corp., Vanguardia Personal Lending Solutions LLC, NorthStar Personal Credit Inc., OnDeck Capital Inc., Bluevine Capital Inc., Fundbox Inc., Headway Capital LLC, CAN Capital Inc., Biz2Credit Inc., SmartBiz Loans (Better Finance Inc.), Currency Capital LLC, Crestmark Equipment & Commercial Finance, Ascentium Capital LLC, NewLane Finance Company, Beacon Funding Corporation, Fundation Group LLC, Celtic Bank Small Business Lending, Live Oak Banking Company (Commercial Division), Clearwater Consumer Lending Inc., Optima Tax Relief LLC, Community Tax LLC, Anthem Tax Services LLC, Tax Relief Advocates (TRA), Tax Samaritan LLC, Parent & Parent LLP (IRSMedic), Fortress Tax Relief LLC, Precision Tax Relief LLC, Ideal Tax Solution LLC, J. David Tax Law, Cumberland Law Group LLC, Larson Tax Relief Inc., Clean Slate Tax LLC, Tax Defense Network LLC, Gordon Law Group Ltd., Golden State Tax Relief Inc., Victory Tax Lawyers LLP, Tax Group Center Inc., Benchmark Tax Relief Group LLC, Tax Resolution Institute, Choice Tax Relief Inc., Tax Hardship Center LLC, Alleviate Tax LLC, StopIRSDebt.com (Stop IRS Debt LLC), Instant Tax Solutions Inc., Strategic Tax Resolution LLC, Five Star Tax Resolution LLC, Fresh Start Tax Relief Advisors LLC, Tax Rise Inc. (TaxRise), Legacy Tax & Resolution Services LLC, Redwood National Tax Advisors Inc., Wynn Tax Solutions LLC, Priority Tax Relief LLC, Polston Tax Resolution & Accounting, Rush Tax Resolution LLC, Justice Tax LLC, Lifeline Tax Relief Group LLC, Tax Network USA Inc., Landmark Tax Group, Eagle Tax Resolution Partners LLC, Liberty Tax Resolution Services LLC, Sovereign Oak Tax Relief Advisors, Keystone Direct Tax Resolution LLC, Oakridge National Tax Relief LLC, Centurion Tax Defense Group Inc., Evergreen Tax Resolution Partners LLC, Frontline Tax Relief Advisory Inc., Westgate Tax Resolution Services LLC, Monarch Direct Tax Relief LLC, Solstice Tax Resolution Partners LLC.