Reduce your debt stress!

Reduce your unsecured debt by up to 60% with our expert negotiators and our advanced AI technology.

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Speak with a debt relief advocate at (949) 577-7778

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Get out of debt faster than you think!

What is debt relief?

Debt Relief is a consumer debt settlement option that is ideal for those who are buried in credit card debt or struggling to make minimum payments to their creditors. It works by having our Certified Debt Advocates leverage our proprietary AI to optimize your settlement plan then having our experienced negotiators arrange arrange payments for less than the balance owed (principal) on your unsecured personal debt accounts. Over the years debt relief programs have become a popular alternative to bankruptcy.

HOW DOES DEBT RELIEF WORK?
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How does a debt relief program work?

Talk to us for your free debt relief consultation

We use proprietary AI to create an affordable plan that works for you

We negotiate with creditors to reduce what you owe

You make monthly savings deposits and manageable payments

You could be debt free in 24-48 months!

Why choose Proactive Debt Relief?

You pay zero upfront fees
100%
Our expert-powered AI will analyze and find your optimal debt settlement plan
100%
Experienced debt settlement negotiators
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Client dashboard to monitor progress
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All personal information is secured & encrypted in our U.S.-based digital vault
100%

No upfront fees

Personalized options

Lower payments

Let our AI-powered experts help you lower your debt today.

Our expert debt relief specialists make use of our advanced, proprietary AI technology to develop a customized debt settlement strategy tailored specifically to your financial situation. This comprehensive plan will include various payment options across different time periods, giving you a clear view of all possibilities. You’ll be able to compare multiple scenarios to choose the payment structure that works best for your budget while gaining insights as to how the settlement process may affect your credit score and tax obligations.

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Proactive Debt Relief Services

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For over 5 years, Proactive Debt Relief has negotiated hundreds of successful debt settlements on behalf of our clients. We’ve enabled our clients to find financial freedom, improve their credit, and dramatically reduce stress.


Debt settlement is a financial strategy where creditors agree to accept less than the full amount owed in exchange for a lump-sum payment or structured installment plan. This option is designed for individuals struggling to meet their financial obligations but looking to avoid bankruptcy.

How It Works:
With Proactive, you deposit funds into a dedicated account over time. Our experienced negotiators work directly with your creditors to reduce the total amount you owe. For example, if your debt is $10,000, we may negotiate a settlement for $5,000, saving you 50%. You wouldn’t have to come up with this money in a lump sum, instead we would negotiate based on money you are saving to finalize settlements over time.

Benefits:

  • Significant reduction in total debt.
  • A single, manageable payment plan.
  • Expert handling of creditor calls, allowing you to focus on what matters most.


Debt negotiation is a process where we work with your creditors to settle your debts for less than what you owe. It’s a powerful tool for individuals facing financial hardship and looking to regain control of their finances without resorting to bankruptcy.

How It Works:

  • You deposit funds into a dedicated account.
  • Proactive’s expert negotiators work directly with your creditors to reach agreements.
  • Once settlements are reached, you pay the negotiated amount, often significantly less than the original balance.

Why It’s Awesome:

  • A chance to resolve debts faster.
  • Reduces stress and improves your financial outlook.
  • Saves you money by cutting down the total debt owed.


With a debt consolidation plan, you’ll be able to pay off debts easier and in a far shorter span of time than if you attempted doing it alone and by continuing to pay the revolving interest charges on your credit card balance each month. This type of interest eats up your payments, making it difficult to pay down your debt or save money at all.

On the other hand, a debt consolidation program converts the debt over to simple interest that takes far less time to pay down. More of your payment each month will go to reducing your debt, strengthening your certainty that you’re one step closer to financial freedom.

Debt consolidation with Proactive Deb Relief includes:

  • Reducing unsecured debt balances by slashing interest and fees
  • Reducing the overall amount paid on debt each month
  • Reducing your debt balances more each time you make a payment
  • Reducing fees and over-the-limit charges to lessen overall debt
  • Reducing the total time it takes to get out of debt and back on track


A medical debt reduction plan can help you pay down your debts in less time, sometimes even reducing your balances with a settlement offer. When paying numerous medical debt collectors every month, it can take what feels like forever to get ahead. We can help free you faster by offering the collectors a medical debt settlement agreement or plan for debt consolidation for medical bills.

Proactive Debt Relief helps people like you get medical bill debt relief with debt settlement negotiation services and debt consolidation plans.

Call and talk to our team of medical debt reduction pros today, and they’ll take the time to discuss your financial situation to come up with the solution that saves you the most money overall.

The Proactive Promise

Free Debt Evaluation

We help you understand and compare your options for handling debt, so you can choose the solution that meets your needs.

Personalized Assessment

We guide you through a financial assessment and only recommend a Proactive Debt Relief program if the results indicate the program is appropriate for your situation.

Clear Terms

We use simple, easy-to-understand language to help you understand your program at every step.

Program Guarantee

If your total program settlement cost is more than the total amount of debt you enroll in our program, we’ll refund you the difference from our collected fees, up to 100%.