Stop The Endless Payday Loan Debt Cycle Today!

  • Is most of your paycheck going toward your payday loans?
  • Do you feel that you may never be able to pay off your loans?
  • Would you like help in reducing your debt lower than you owe?
  • Can you barely make minimum payments?
  • Would you like to save your time and money?

If you are suffering from payday loan debt and can’t seem to get out of the hole – You are NOT alone. There are many others who have struggled like you – and have overcome. You can make it through this, you have nothing to lose except perhaps 5 minutes of your time. Our main goal is to work with you to help resolve your financial burden. This way you can turn your focus back to the things that are truly important in life.

Why Choose Settle Our Debt?


  • Consolidate all your payments into 1 affordable payment
  • Reduce or eliminate finance charges
  • Eliminate your payday debt in 10 months or less
  • Reduce your payments by up to 65% a month


  • Stop collection calls
  • You won't have to speak with your payday lender ever again
  • We will do all the talking for you


  • Free consultation
  • No upfront fees and no obligation
  • Your satisfaction is our top priorty!


  • Information is completely secure
  • We do not share your information with a 3rd party
  • 100% compliant with the Federal Trade Commission

Settle Our Debt does not discriminate on the basis of race, color, religion, sex, marital status, national origin or ancestry.

Tell us about your debt

Provide us with a list of your payday creditors, balances, and payment schedules

Free Evaluation

Based on the information you have provided, we will give you an estimate of the cost of our program


We will create a settlement program that is customized to your unique situation with a payment that you can easily afford

We Negotiate with your Payday Creditors

Our highly trained team will negotiate with your lenders and work to stop your interest charges and in some cases, lower your balance. Whatever we have to do, it is always for your own benefit.

Pay Less

You will no longer make those large payments to your payday lenders each payday. We will consolidate into one affordable payment. Our typical customer saves up to 65% a month in our program.


You have successfully completed the program. You’re payday loan debt free and look at all the money you have saved!

Frequently Asked Questions

How does debt settlement work?
We work to negotiate a payment which is less than the balance of what you owe, which will be a more affordable payment plan that you can handle. By getting our service, we will be able to help you reach your goal of eliminating your debt faster.
How long will it take to complete the program?
We would like to help resolve your debt as quickly as possible, therefore, we like to help you resolve your debt between 10-12 months. However, it could be sooner depending on your individual situation. By joining our program, there will be no pre-payment penalties. The more you pay as you go along, the faster you'll become successful in the program.
Will my information be kept private?
Definitely, without your authorization no one is able to give or receive your information when negotiating debt accounts with creditors. Please be assured that we will not sell or provide any of your personal information to any one if you contact us through the website or on our toll free line for a free consultation.
What are your fees?
We do not charge any up-front fees or cost, no up-front payment, or cancellation fees that other agencies may charge. We charge you a percentage of your payday debt balance.
What is my obligation when I enroll in a debt settlement program?
Your obligation is once you have enrolled in a debt settlement program, make sure you are able to pay the settlement. You have to ensure that the funds are available when a settlement is reached. Once that settlement is reached, you are fully responsible at that time and date to pay back the debt. The debt settlement plan is to make it simple for you to attain the money needed when the time approaches, but it is up to you to be wise to have it ready.
Am I able to settle my own debt?
You may settle your own debt, just like you are allowed to represent yourself in court without an attorney as well as treat yourself without a doctor. But is it recommended? Of course not, which is why we suggest hiring experienced negotiators like we have here on our team. Do not allow yourself to make a bad financial decision in regards to your savings. Stress can drive us to make a choice without being aware of the risk that lay ahead. Education is the key to avoiding the fraud. Our debt advisors are here for you through out the process.
Is the creditor allowed to garnish my wages? IN SOME SITUATIONS YES.
Yes, depending on the state you reside in. However this is can be a long process for the creditors. The creditor will have to sue you first, then successfully obtain a judgment, and next file for a garnishment action. Since we will be working with your creditors, this can typically be avoided.
Will fees and interest continue to accrue?
If you allow your accounts to go delinquent, your creditors will persist in adding interest and late fees onto your balance. Generally, your balance will continue to increase until a settlement is reached. Please take into account that the interest is going to accrue regardless of whether you make minimum payments or not. Our main goal is to negotiate a substantial reduction to the balance on your account, even after the interest and late fees have accrued.

Settle Our Debt does not discriminate on the basis of race, color, religion, sex, marital status, national origin or ancestry.

Call our payday loan debt specialist today and learn how you can eliminate your payday loan debt for good or simply click Get Started and fill out the form to receive a free, no obligation consultation.