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Join thousands of families who have reclaimed their financial freedom. Experience the professional approach to modern debt relief.
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Average client savings: 45%+ of enrolled debt
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NO CREDIT SCORE IMPACT | 60-SECOND ANALYSIS
Total Debt Amount
How much total unsecured debt do you have?
100,000+
clients have been supported by our firm across the United States
$100M+
recovered in legal revenue and debt resolution for our clients
5-Star
Better Business Bureau rating maintained since 2009
Source: The Law Firm of Higbee & Associates / BBB Verified Performance
Modern Debt Help Services
Modern Debt Help provides simple, compassionate debt resolution services that help clients get out from under their debt and take back control of their finances. Whether your goal is to build a budget, eliminate debt, or pave a path to financial stability, we’ll walk with you every step of the way.
Speak with a Modern Debt Help specialist today and explore personalized options.
See If You QualifyYour Success Journey
Manage Debt
Most of us have debt. Get the support and tools to manage it. See the power of a plan that addresses your financial concerns and empowers you to live a financially healthy life.
Make Housing Decisions
Facing foreclosure, looking for rental counseling, considering a reverse mortgage or home purchase? HUD-certified counselors provide trusted support to handle housing challenges.
Free Financial Resources
Select from a variety of free resources to guide you on your financial journey. Articles, tools, webinars and classes set you up to make informed decisions about your finances.
Pay Off Credit Card Debt Faster
If high-interest credit card debt feels overwhelming, you’re not alone. And you’re not without solutions. Modern Debt Help’s specialized programs give you a clear plan – and expert support – to take control.
- Faster debt payoff
- Lower interest rates
- One monthly payment
- Less stress, more peace of mind
Our certified counselors work directly with more than 550 creditors nationwide to save you time, money, and stress. We’ve helped millions find a fresh financial start…isn’t it your turn?
Save $199/Month on Payments
Cut $29,700 in Interest
Pay Off Debt 7 Years Sooner
Disclaimer: Data for these claims was obtained from accepted creditor proposals between June 2024 and May 2025. Connect with us to see what’s possible for you.
Real People. Real Results.
“Modern Debt Help took a lot of my debt, consolidated them, and helped me pay them off. They guided me through the process with no problems.”
Damon of Taylor, MI
via ConsumerAffairs.com
“The reps were helpful. Got straight to the point and everything handled.”
Chelsey of Mckinney, TX
via ConsumerAffairs.com
“I thought once I had made the mistake of having too many credit cards my financial life was over. Modern Debt Help helped me immediately take back control and feel better about my situation.”
Aurora from Washington
via ConsumerAffairs.com
Frequently Asked Questions
Still have questions?
Explore Our Full FAQModern Debt Help Blog: Insights for a Healthier Financial Life
Blog articles, Calculators and Real $tories Podcast episodes to support your financial wellness journey.
Why Did My Credit Score Drop? Common Scenarios & Examples
Why did my credit score drop? Explore common causes, real examples, and practical steps to rebuild your score.
Real $tories Episode 74: Rahkim Sabree
Rahkim Sabree shares his journey from financial hardship to impact, exploring money, trauma, resilience, and unconventional financial wisdom.
Owe the IRS? A Complete Guide to IRS Payment Plans and Tax Debt Relief
Owe the IRS? Learn your payment options, avoid penalties, and find relief strategies to manage tax debt and regain control of your finances.
Partner with Modern Debt Help
Are you part of a bank or credit union? Learn about a partnership with Modern Debt Help.
PartnershipsCredit Unions & Banks
Co-branded solutions and referral programs for your members
Employers
Financial wellness programs and staff training resources
Financial Education
LearningLab and virtual financial coaching for your community