Estimated Settled Amount
After negotiation (approx. 50–55%)
$13,750
New Monthly Program Payment
Estimated 36-month program
$382
Time to Payoff (Minimums Only)
At current APR, minimum payments
17+ years
Estimated Total Savings
$11,250
* Estimates are illustrative only and not a guarantee of results. Actual settlements vary by creditor, account status, and individual circumstance.
The Process
How Debt Settlement Works
Our structured, transparent process takes the guesswork out of getting out of debt.
01
Free Consultation
A certified specialist reviews your debts, income, and financial situation — at no cost and with zero commitment.
Build Your Reserve
You make monthly deposits into a dedicated savings account you control. These funds are used to settle your debts.
We Negotiate
Our team contacts your creditors and negotiates settlements — often for 40–60 cents on the dollar. You approve every offer.
Debt Resolved
Once a settlement is approved and paid, that debt is legally resolved. Complete your program and your debt is gone for good.
Real Stories
People Just Like You Got Out of Debt
These are real outcomes from real clients. Individual results vary based on debt amount, creditors, and circumstance.
★★★★★
"I was drowning in $38,000 of credit card debt after losing my job. DebtZeroCentral settled everything for $17,200. My monthly payment went from $1,100 to $490. I can finally breathe again."
MT
Maria T.
Phoenix, AZ · Enrolled 2023
Saved $20,800
★★★★★
"I was skeptical at first — felt like it was too good to be true. But 28 months later, my $52,000 in debt is completely settled. No lawsuits, no garnishments. The team kept me informed every step."
RK
Robert K.
Houston, TX · Enrolled 2022
Saved $24,500
★★★★★
"After my divorce I was left with $29k in joint debt. The bankruptcy attorney wanted $2,500 upfront just to start. DebtZeroCentral cost me nothing until they settled — and they knocked it down to $14,000."
SL
Sandra L.
Atlanta, GA · Enrolled 2023
Saved $15,000
Common Questions
We Answer the Hard Questions
You deserve straight answers before making any decision. Here's what most people ask us first.
Yes — debt settlement typically involves stopping payments to creditors while you build a settlement reserve, which can temporarily lower your credit score. However, clients who are already missing payments often see their scores improve faster through settlement than through minimum payments alone. Once debts are settled, the accounts are marked as resolved, and rebuilding credit becomes much more manageable. Our specialists walk you through the full credit impact during your consultation.
Debt settlement is a federally legal debt relief option governed by the FTC's Telemarketing Sales Rule (TSR). Legitimate companies — like DebtZeroCentral — are prohibited from charging fees until a debt is actually settled and you've made at least one payment. We are a member of the American Fair Credit Council (AFCC) and operate transparently. Red flags of a scam include upfront fees, guaranteed results, and pressure to hide assets. We do none of these things.
Creditors do retain the right to pursue collection activity, including lawsuits, during the settlement period. However, most creditors prefer to settle rather than litigate. In our experience, the vast majority of accounts are resolved through negotiation. If a lawsuit does occur, we help connect you with legal resources. We disclose this risk clearly — and it's one of the reasons we prioritize faster settlement timelines.
Most clients complete their program in 24 to 48 months, depending on total debt and monthly deposit capacity. Some individual accounts can be settled within 6–12 months of enrollment. We work account-by-account to accelerate settlements wherever possible. Compare this to making minimum payments at 22% APR, which for a $25,000 balance could take 17+ years and cost significantly more in total interest.
Absolutely. If you don't qualify for our settlement program, our specialists can recommend other paths — including debt management plans (DMPs), credit counseling, or in some cases, bankruptcy consultation referrals. Our goal is your best outcome, not just enrolling you in our program. The consultation is free regardless.
Forgiven debt of $600 or more is generally reported to the IRS as income via a 1099-C form. You may owe income tax on that amount. However, if you are insolvent at the time of the settlement (meaning your debts exceed your assets), you may be exempt from this tax under IRS insolvency rules. We strongly recommend consulting a tax professional about your specific situation, and we can connect you with one.
Ready to Take the First Step Toward Financial Freedom?
The average DebtZeroCentral client resolves their debt in under 3 years — and saves thousands in the process. Your free consultation takes 15 minutes.
No upfront fees — you pay only when a debt is settled