Debt settlement is a process where we negotiate with your creditors to reduce the total amount you owe. You make monthly deposits into a dedicated account, and once there’s enough saved, we use those funds to settle your debts for less than the full balance.
Level Debt offers a full-service, transparent, and client-first approach. We combine expert negotiators, financial coaching, and a personalized strategy to help you get out of debt faster — without hidden fees or unrealistic promises.
Most clients complete the program in 24 to 48 months, depending on how much debt you have and how much you’re able to save each month.
We specialize in unsecured debt such as credit cards, personal loans, medical bills, and certain private student loans. Secured debt (like mortgages or car loans) does not qualify.
It’s possible, especially in the early stages. However, once negotiations begin, these calls typically decrease. We also offer guidance on how to handle them and may use a Power of Attorney to speak to creditors on your behalf.
We don’t charge any upfront fees. We only earn a fee after a successful settlement is reached and approved by you. Our fees are included in your monthly payment and are disclosed upfront.
We understand that life happens. If you miss a payment, our support team will work with you to adjust your plan. Consistent deposits are important for timely settlements, so communication is key.
No. There are no prepayment penalties. In fact, the faster you fund your program, the sooner we can settle your accounts and help you become debt-free.
Yes, debt settlement can initially lower your credit score, especially if you’re not already behind on payments. However, most clients see their scores improve over time as debts are settled and accounts are closed with a $0 balance.
Yes, many clients begin to see improvements in their credit scores as their debts are settled and accounts are marked as paid. While Level Debt is not a credit repair company, we can refer you to trusted partners for credit repair services after you complete the program.
Yes. Our secure online portal allows you to track your progress, view settlement updates, communicate with our team, and access helpful financial tools.
Absolutely. You’ll have a dedicated team, including customer support and negotiators, to assist you throughout the process.
Yes. We offer access to Level Coaching, which includes budgeting tools, financial education modules, and optional legal and estate planning support to help you build long-term financial fitness.
Yes. Level Debt is a fully legitimate and accredited debt settlement company. We are BBB-accredited with an A+ rating, registered in California’s Department of Financial Protection and Innovation, and comply with all applicable consumer protection laws. Our team is IAPDA certified, and we’re accredited by the ACDR, ensuring ethical and effective service.
You can cancel at any time. There are no cancellation fees, and any remaining funds in your dedicated account are yours to keep. We do recommend speaking with your support team before canceling to understand your options.
