Talk to a real person, free. [Mon–Sat, 9 am–8 pm ET] (800) 000-0000
upnovaDebt Solutions

Free, friendly help with bills and debt

Get your bills back under control, with a real person to help

Credit cards, medical bills and loans can pile up, especially on a fixed income. We listen, explain your options in plain English, and never rush you.

Call us free(800) 000-0000 Or answer 3 easy questions online

No cost to talk. No pressure. You are welcome to have a family member on the call.

An older couple at home, smiling as they look at a phone together
Same specialist, start to finish. Call back any time and ask for them by name.
Free to talk, no obligation
Plain English, no jargon
Every cost explained first
Family welcome on the call

Does this sound familiar?

Choose the one closest to you. We will show you what can help.

"My card balances never go down"You pay every month, but interest takes most of it.See my options →"Medical bills are piling up"Hospital, doctor and pharmacy bills on top of everything else.See my options →"My income is fixed, my bills are not"Social Security or a pension, and payments that keep rising.See my options →"Collectors keep calling"You want the calls to stop and a plan you can keep.See my options →

How we can help

$4,000 or more

Lower what you owe

For card, medical and other unsecured debt. A partner company negotiates with your creditors while you save in an account you own. No fees until a debt is settled and you approve it.

Good credit needed

One simple payment

If your credit allows it, one loan can replace several bills, with one fixed payment each month. Approval and rates depend on the lender.

Any amount

A budget that works

We can point you to free nonprofit credit counseling, where a certified counselor builds a monthly plan around your income.

More about each option →

How it works

  1. 1You call, or answer 3 questionsWhichever is easier for you. It takes a few minutes.
  2. 2We explain your optionsCosts, timing and how each choice could affect your credit, slowly and clearly.
  3. 3You decide, in your own timeTalk it over with family first if you like. Nothing happens until you say yes.

Rather we call you?

Pick a time that suits you, and a specialist will call. Morning, afternoon or evening.

Schedule my free call

Questions people ask us

Can creditors take my Social Security?

In most cases, credit card companies and other private creditors cannot garnish Social Security benefits. Federal debts, such as back taxes or federal student loans, and court-ordered support are exceptions. We are happy to talk through your situation.

Does it cost anything to talk to you?

No. The call is free, and you never have to sign up for anything.

Can my son or daughter join the call?

Yes, and we encourage it. Anyone you trust is welcome on the call.

Will this affect my credit?

Talking to us and answering our questions does not. Some programs can lower your credit score, especially debt resolution, and your specialist will explain exactly how before you decide.

Who provides the programs?

Upnova works with independent partner companies. Before you enroll, you are told which company provides your program, and you review its terms with that company directly.

See all questions →

We are here to listen

[Mon–Sat, 9 am–8 pm ET] · Free and friendly

Call (800) 000-0000
Call free (800) 000-0000