1
$18.8T
U.S. household debt, Q1 2026
Consumers deal with fragmented creditors, collectors, calls, settlement letters, and unclear next steps.
The Problem
The debt resolution experience is broken.
Consumers owe more, delinquency is stressful, and traditional options are confusing.
2
High
Credit card & auto delinquencies vs. the past decade
Lump-sum settlement offers are often too large for the households that need relief most.
3
713
Average U.S. credit score in 2025, down from 2024
Resolution doesn't always feel connected to credit rebuilding or visible progress.
The Solution
DebtLift turns debt resolution into a structured product.
We negotiate the debt, give consumers a clear weekly plan, and connect progress to credit rebuilding.
1
Find your debt
Sign up and match with debt DebtLift has negotiated or purchased from creditors.
2
Choose your plan
Pick a weekly payment amount that fits the budget, with clarity on timeline and total owed.
3
Watch progress build
Payments are reported to the three major credit bureaus so progress is visible.
Product experience
Simple, mobile-first, progress-driven.
A guided workflow that creates confidence from signup to payoff.
01
Match
DebtLift identifies eligible debts and negotiated savings.
02
Plan
User selects affordable weekly payment and payoff timeline.
03
Pay
Autopay or manual payment keeps the plan consistent.
04
Rebuild
Payment history is reported and milestones keep users engaged.
Savings Calculator
See exactly what you'd save
$
%
$
You could save (midpoint estimate)
$1,875
vs. paying minimums forever
Worst case · save 25%
$1,250
Pay back $3,750
Best case · save 50%
$2,500
Pay back $2,500
Without DebtLift
- Time to pay off
- Never
- Total interest
- ∞
- Total you pay
- ∞
With DebtLift
- Time to pay off
- 6 mo
- Weekly payment
- $120/wk
- Total you pay
- $3,120
Estimates use the 25–50% average savings DebtLift members see versus their original balance. Actual outcomes vary by creditor, debt age, balance, and the settlement we're able to negotiate.
Credit Score Projector
Estimate where your score could land
Plug in your current score and how long you'd be on a DebtLift plan to see a projected range based on what members typically experience.
Range 300–850
12 mo
3 mo24 mo
Collections on file
Settling collections often gives the biggest lift.
On-time payments going forward
Reported to all three bureaus on your plan.
Projected score after 12 months
625–681
+45 to +101 pts · midpoint 653 (Fair)
Estimates only. Projected ranges are based on average outcomes DebtLift members see and are not a guarantee. Your actual credit score depends on your full credit profile, creditor reporting timing, payment history, utilization, and other factors. This tool is for informational purposes and is not financial, legal, or credit-repair advice.
Payoff Timeline Simulator
See how fast you'd be debt-free
Enter your total debt and a weekly payment you could afford. We'll chart your months-to-debt-free against staying with minimum payments at your current APR.
Try an example
$
$/wk
%
$
Status Quo
- Debt-free in
- Never
- Total interest
- ∞
- Total paid
- ∞
With DebtLift
- Debt-free in
- 1 yr 3 mo
- Settled balance
- $3,125
- Total paid
- $3,248
Estimates only — not a guarantee. Results vary by creditor, debt age, balance, and your individual financial situation. This tool is for educational purposes and is not financial, legal, tax, or credit-repair advice. DebtLift is not a lender or credit-repair organization.
See your real plan
The Market
A large market with a high-urgency customer.
DebtLift sits at the intersection of debt relief, credit rebuilding, and consumer fintech.
$18.8T
Total U.S. household debt
$1.28T
U.S. credit card debt, Q4 2025
$21.6K
Avg non-mortgage debt per consumer
4.8%
Debt in some stage of delinquency
Collectors·Settlement firms·Debt apps·DebtLift
Positioning: consumer-friendly, tech-enabled resolution with payments, reporting, and savings in one product.
FAQ
Questions, answered
Showing en
Leadership
