-Photoroom.png)
Let’s Find the Best Way to Pay Off Your Credit Card & Unsecured Debt — Together.
Get a free evaluation and see exactly which debt relief solutions fit your situation
Clear, actionable steps to tackle your debt
Personalized strategies to reduce interest and repayment time
Quick, simple & secure — takes less than a minute
Free, no-obligation, and no impact on your credit score
*In association with CuraDebt
Trusted Partner: CuraDebt (BBB-Accredited A+ Rating)
Trusted by 25,000+ Americans
20+ Years Experience
HELPING PEOPLE NAVIGATE THE BEST DEBT RELIEF PROGRAMS AND CREDIT CARD DEBT SOLUTIONS
Feeling Trapped by Credit Card Bills and High-Interest Debt?
-
Feeling anxious every time bills are due
-
Struggling to make minimum payments
-
Watching your debt grow faster than you can pay it off
You’re not alone — and you don’t need another loan.
We help you explore trusted debt relief programs, credit relief options, and debt reduction solutions designed to help you reduce what you owe — not just move it around. Discover our simple debt resolution plan and don’t waste another day worrying about your bills.
Start your path to financial freedom today.
How It Works – Your Free Debt Relief Evaluation
We tailor a debt relief program that’s right for you.
Start Your Debt Relief Evaluation
Tell us about your financial situation and the total amount of unsecured or credit card debt you’re struggling with.
You’ll instantly receive a free, personalized debt relief evaluation—no calls, no obligation, and no impact on your credit score.
Review Your Debt Reduction Plan
See which debt relief options could lower your monthly payments and help you move toward becoming debt-free. Everything is tailored to your budget and is designed to save you the most amount of money.
Take Control and Start Saving
If you decide to move forward, you’ll begin a structured debt resolution program designed to help you reduce your balances and regain financial freedom—often in as little as 24–48 months. Results will vary depending on your situation.
SAVE MONEY
SAVE TIME
LOWER YOUR DEBT
Find out what debt relief options you qualify for with a simple, no-obligation online assessment.
In just minutes, you’ll see:
How much you could save
How many months it could take to resolve your debt
Benefits compared to other debt relief options
Your new, lower estimated monthly payment
Types Of Debt We Help With
Credit card balances
Personal loans or credit lines
Medical and hospital bills
Collections or repossessed accounts
Business debts
Some secured debts*
Certain private student loans*
IRS and back taxes
*We can help with lawsuits and student loans in special cases.
Who Qualifies for Debt Relief
Debt doesn’t have to control your life — and you don’t have to face it alone. If you’re struggling with credit card balances, personal loans, or other unsecured debt, there are proven debt relief programs that can help you start fresh. If you:
Owe $10,000 or more in unsecured debt — like credit cards or personal loans
Have a steady source of income — employment or other regular income
Are 21 or older and ready to make a real financial change
Do not have secured debts such as mortgages, auto loans or federal student loans
Are open to a quick follow-up — after completing your assessment, a trusted debt relief specialist may reach out to review your best options
Then you may already qualify for a personalized debt relief plan that can help you breathe easier, regain control, and finally leave debt stress behind.
FAST ASSESSMENT
CLEAR OPTIONS
FREE GUIDANCE
See instantly if you qualify for a personalized debt relief plan.
Quickly discover:
Whether your unsecured debt meets the criteria
What debt types can be included in your plan
How the process works and what to expect next
Easy, no-obligation guidance from a trusted debt relief specialist
How Our Debt Relief Process Works
Debt relief gives you a real opportunity to reduce your debt without paying the full amount owed.
Our programs make it simple to see a clear path forward — lower your balances, save as much as possible, and stay in control every step of the way.
1
ASSESS
Our experts review your credit cards, personal loans, and other unsecured debts to understand your full financial picture.
Benefit: Gain clarity on exactly what you owe and where you stand, so we can create a plan tailored to your budget & goals.
EXPLORE
2
See which programs or strategies—like debt reduction, consolidation, or negotiation—can help lower your balances and monthly payments. We identify the solutions that fit your situation best.
Benefit: Compare options side by side and let programs communicate with your lenders to reduce interest, waive fees, or lower balances.
CUSTOMIZE
3
Based on your financial situation, we design a tailored plan to help you reduce your debt efficiently and realistically. You approve every step, so you stay in control throughout the process.
Benefit: A clear roadmap showing your savings and how soon you could be debt-free. We guide you through your chosen solutions, making adjustments as needed, with realistic next steps and timelines.
FREEDOM
4
Follow your plan with personal guidance and regular updates to stay on track and make confident choices. Step by step, you’ll pay down your debt and lower your interest. Once the negotiated amount is fully paid, you’re free from your creditors.
Benefit: Follow a clear, realistic path and feel good about every step — no pressure, no hidden costs. When each negotiated balance is paid, you’re free from your creditors and truly debt-free.
CUSTOMIZED PLAN
SIMPLE PROCESS
FINANCIAL RELIEF
Significant reduction in total debt
Tailored solutions based on your unique financial situation
Expert handling of creditor communications
Less stress and improved financial outlook
Clear steps designed to fit your goals and budget
Adjustments along the way to keep you on track
Our Trusted Debt Relief Partner
To give you access to the best debt relief programs and credit card debt relief solutions, we’ve teamed up with CuraDebt, one of the nation’s top-rated debt relief companies, so you can take control of your finances, save more, and start building a brighter financial future — faster than you ever thought possible.
How CuraDebt Helps You:
Credit Card Debt Relief Programs: They negotiates directly with your creditors to reduce balances, waive fees, and lower interest rates
Debt Consolidation Assistance: CuraDebt can combine multiple debts into one manageable monthly payment, making your finances easier to handle
Debt Reduction & Settlement Solutions: Their experienced team works to lower your total debt, so you can keep more of your money each month
Emergency Debt Relief Programs: They provide solutions for urgent financial situations, like unexpected medical bills or other financial hardships
Why CuraDebt?
When it comes to finding trusted, top-rated debt relief companies, CuraDebt stands out for its proven results and customer-first approach.
⏱ Faster Resolution — Resolve your debts in 24–48 months, saving thousands in the process
📈 Significant Savings — Negotiate your total debt down, sometimes by up to 50%
📝 Stress-Free Process — CuraDebt handles all creditor communications on your behalf
🧑💼 Ongoing Support & Regular Updates — So you never feel alone in the process
💵 No Upfront Costs — You pay only after results are delivered, ensuring a risk-free process
⚖️ Fair Fees — Competitive rates, often matching or beating other top BBB-accredited debt relief companies
🏆 Trusted Expertise — With 24+ years of experience, CuraDebt is one of the best debt relief companies in the nation
-Photoroom.png)
⭐ Rated 4.6–5/5 by clients nationwide – See their stories and results!
Learn how CuraDebt’s proven debt relief programs have helped thousands of people just like you find financial freedom, regain confidence, and rebuild their future.
States We Can Help:
We can help you if you live in the following states:
AL, AK, AZ, AR, CA, CO, CT, DC, DE, FL, GA, HI, ID, IN, LA, MD, MA, MI, MN, MS, MO, MT, NC, ND, NE, NV, NH, NJ, NM, NY, OH, OK, PA, SC, SD, TX, VT, VA, WA, WI, WY
*In association with CuraDebt
Keep More Money. Stress Less. Live Better.
Debt can feel like it’s taking over your life — the calls, the stress, the worry. It doesn’t just weigh on your finances — it affects your peace of mind, your relationships, and even your daily life. Our debt relief program helps you lift that burden, so you can finally focus on what matters most.
Here’s how life can start to feel once you begin your journey to relief:
Peace of Mind – while our experts handle creditor communications, you can focus on your family, your work, and the things you enjoy
More Money for Life’s Priorities – lower your debt and free up funds to spend on essentials, things you love, or future savings
Confidence & Control – With a clear, step-by-step plan tailored to your situation, you’ll finally feel in control of your finances
Faster Debt Resolution – Many clients complete their program in just 24–48 months, moving forward toward financial freedom sooner than expected
You’ve already taken the first step by learning about your options.
Now, see if you qualify for a personalized debt relief plan — it’s fast, free, and no obligation.
Debt Relief FAQs
Q: What is Debt Relief?
A: Debt relief is a way to take control of your credit card debt and other unsecured debts without paying the full amount you owe. It’s also called debt resolution, debt negotiation, or debt reduction, and it helps you lower balances, reduce monthly payments, and regain financial freedom. With a debt relief program, you don’t have to navigate creditors alone. Instead, trusted partners like CuraDebt work with you to negotiate directly with creditors, helping you save as much as possible while keeping your finances under control. During the process, you’ll typically set aside funds in a dedicated account, which are then used to settle or reduce your debt over time. This structured approach allows you to make progress on your debts, stay in control, and move closer to being debt-free, often faster than you might expect.
Q: How Does Our Debt Relief Program Work?
A: Our debt relief program is designed to help you reduce your credit card and unsecured debt for significantly less than you owe, as efficiently as possible. First, we provide a free consultation to review all of your debt relief options — including debt consolidation, debt reduction programs, and credit counseling — so you can decide if a debt relief program is the right fit for your situation. If you choose to move forward, a personalized plan is created based on your budget, often resulting in monthly payments lower than your current minimums. Once enrolled, expert negotiators handle communications with your creditors and implement a strategy proven to reduce your balances and accelerate your path to financial freedom.
Q: Why Trust Horizon Debt Relief?
A: At Horizon Debt Relief, we understand how overwhelming credit card debt and other unsecured debt can feel. Our goal is to provide a safe, reliable place to explore debt relief programs, debt consolidation options, and credit card debt relief solutions — all with free consultations, no pressure, and no hidden fees. We connect you with our trusted partner CuraDebt, one of the nation’s top-rated debt relief companies, to help reduce your debt, lower monthly payments, and guide you toward financial freedom — all with no obligation and no upfront costs.
Q: Is CuraDebt trustworthy?
A: There are unfortunately bad actors in the debt relief industry, and we understand why people may be cautious when exploring debt relief programs. CuraDebt is a trusted and accredited company that has been helping clients achieve financial freedom for over 24 years. As a BBB Accredited business with an A+ rating, and a member in good standing of the Association of Accredited Debt Relief (AADR) and the International Association of Professional Debt Arbitrators (IAPDA), CuraDebt meets strict standards for transparency, ethics, and client protection. Their team undergoes rigorous training and adheres to best practices in debt resolution, ensuring you receive reliable guidance every step of the way. CuraDebt also holds certifications from BSI and maintains verified memberships with NetCheck Commerce Bureau, HONESTe Online, and Trust Guard, demonstrating their commitment to privacy, security, and ethical business practices. Every day, CuraDebt’s experts help clients navigate debt relief options — from debt settlement to consolidation and credit relief programs — in a safe, transparent, and professional manner. Their mission is to help you reduce your debt responsibly, with no upfront fees, and guide you toward a fresh financial start.
Q: What Types of Debt Can We Help With?
A: We help you tackle a variety of unsecured debts, including: Credit cards and store cards Personal loans Medical and hospital bills Collections accounts We cannot assist with secured debts (like mortgages or auto loans) or federal student loans. However, we can help with private student loans on a case-by-case basis.
Q: What Debt Relief Services Are Available?
A: We offer a range of debt relief programs and solutions designed to help you regain control of your finances, including: Credit Card Relief Programs – lower balances, reduce interest, simplify payments Debt Consolidation – combine multiple debts into a single, manageable monthly payment Debt Negotiation & Reduction – expert negotiators work to reduce what you owe Emergency Debt Relief – support for urgent financial needs like medical bills or unexpected expenses Every solution is tailored to your budget and financial goals, so you pay less, save more, and stay in control.
Q: How Much Does Debt Relief Cost?
A: Fees for debt relief programs typically range from 15% to 25% of the enrolled debt (the total debt included in the program). Your exact rate may vary depending on your state of residence and the amount of debt you enroll. In our program, there are no upfront fees. You only pay once a debt reduction or negotiated agreement is completed and approved. Each settlement is reviewed with you, and you authorize the payment before any fees are processed. The total fee is always transparent and included in the monthly savings estimate provided by your debt consultant, so you’ll know exactly what you’ll pay — and never more than necessary.
Q: What is the Difference Between Credit Counseling, Debt Settlement and Bankruptcy?
A: Credit Counseling Credit counseling is a form of debt relief that typically involves a debt management plan. The credit counseling agency works with your creditors to lower your interest rates and create a three- to five-year payoff plan. This can help simplify debt repayment and provide professional guidance on money management while you’re in the plan. When you use a debt management plan, credit counselors control when and how your payments are made to your creditors. Debt Settlement Debt settlement means convincing your creditors to accept less than you owe as payment in full. Your creditors might be willing to settle your debts if you cannot afford to repay the full amount. With a professional debt settlement program like CuraDebt, you approve all settlements and maintain control over your money compared to credit counseling. Expert negotiators guide and advise you, but CuraDebt does not decide when or how your money is paid to creditors—all final decisions are yours. Bankruptcy Bankruptcy is a court-ordered plan that may discharge some—but possibly not all—debts, and could require giving up assets or agreeing to an aggressive repayment plan. If you want to avoid bankruptcy, credit counseling or debt settlement programs may be better alternatives.
Q: When should you consider debt relief?
A: Debt relief can be a smart option if you’re facing financial challenges, struggling with minimum payments, or making payments but still see your balances grow. It offers a real way to lower balances, regain control, and avoid taking on new loans or resorting to bankruptcy.
