Are you struggling with credit card or other debt?
Explore Your Debt Relief Options With a Free Consultation
If You're in Debt, You're Not Alone
Total U.S. household debt recently reached approximately $18.59 trillion, including mortgages, auto loans, student loans, and credit cards. (Federal Reserve Bank of New York).
Americans carried about $1.23 trillion in credit card debt in the third quarter of 2025. Many adults carry ongoing credit card balances from month to month rather than paying in full each billing cycle
Nearly half of American credit cardholders carried a balance in the past year, according to Federal Reserve survey data
Data from 2025 surveys show the average credit card balance per person often sits in the mid-$6,000–$7,000 range.
What this means: These figures reflect that a significant portion of U.S. households holds unsecured debt — particularly credit card balances — and many people carry that debt over time. For individuals who find their balances difficult to manage, exploring educational resources and understanding potential options can be an important first step toward financial clarity.
How We Can Help
DebtOptionsUSA.com is an independent consumer education resource designed to help individuals better understand potential debt relief, debt management, and consolidation options, and to connect with third-party service providers when appropriate.
You don't need to struggle alone
If you’re struggling with high-interest credit card debt, personal loans, or other unsecured bills, you’re not alone. Many people find that even after making payments every month, their balances don’t go down—and the financial stress can feel overwhelming.
What we can assist you with
Explaining common debt relief and debt management options. Helping you understand general eligibility factors. Connecting you with independent third-party providers for further evaluation and help.
How the Process Works
Discover solutions to become debt free over time.
Step 1: Initial Conversation
You speak with a representative to discuss your general financial situation, including the types of debt you may have.
Step 2: Eligibility Review
Based on the information you share, your situation may be reviewed to determine whether debt relief, debt management, or other options could be appropriate.
Step 3: Referral
If applicable, you may be connected with an independent third-party service provider who can explain available programs, timelines, fees, and requirements. We do not enroll you in any program directly.
Frequently Asked Questions
Do I have to be behind on my credit card payments to qualify?
Not necessarily. Some people explore options before falling behind, while others seek assistance after missing payments. Eligibility depends on several factors and varies by provider.
Do I have to be in collections to qualify?
No. Being in collections is not required to explore debt relief or debt management options. Some consumers seek help early to avoid reaching that stage.
Do my debts have to be charged off?
No. Debts do not need to be charged off to be evaluated. Accounts may be current, past due, in collections, or charged off, depending on the situation.
What’s the difference between debt resolution/management and a consolidation loan?
A consolidation loan typically involves taking out a new loan—often requiring good credit—to pay off existing debts. Debt resolution or debt management focuses on restructuring or managing existing debt without taking out a new loan. Which option is appropriate depends on individual circumstances.
Should I consider debt relief or bankruptcy?
Bankruptcy is a legal process with long-term consequences. Some individuals explore debt relief options as an alternative. You should consult qualified professionals before making any decision.
How long does debt resolution usually take?
Many programs are structured to last approximately 24 to 48 months, but timelines vary and are not guaranteed.
Will creditor calls stop?
Some programs may help reduce or manage creditor communications over time, but no program can guarantee that calls will stop immediately.
Will I pay more than my original debt?
Costs vary by program, fees, and individual circumstances. All terms should be explained before enrollment.
Do I have to pay anything upfront?
Fee structures vary by provider and by state law. Some programs do not require large upfront fees. Details should be reviewed carefully.
I don’t make much income—can I still participate?
Possibly. Eligibility depends on multiple factors, not income alone. A review can help determine whether options may be available.
Explore Debt Management Options
We believe consumers deserve clear, transparent information—especially when facing financial stress—so they can make informed decisions about their future.
This website is for general educational purposes only and does not provide financial, legal, or credit advice.
© 2026 Debt Options USA, a division of Edgemark Holdings LLC.
DebtOptionsUSA.com is not a lender, law firm, or debt settlement company. We do not negotiate debts. We may receive compensation from third-party providers. Results vary. Not all consumers qualify. Debt relief services may impact credit and are not available in all states. DebtOptionsUSA.com is not affiliated with any government agency, or any state-sponsored program.