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See Which Bills Qualify

“When they said I qualified, it was like a stone has been lifted off of me that I've been carrying around.”

–Sheron R., $28,500 request

“I'm very excited to finally have the help I need to get my finances under control and get out of debt!”

–Gina, $19,100 request

“We got in over our heads surprisingly quickly. They're understanding and really help get you back on your feet. These people are incredible!”

–Christina H., $42,800 request

“I was overwhelmed and swimming in debt. I had to take action because it was out of control. I didn't even know this was a thing. Thank you!”

–Alex C., $78,800 request

“I had a stroke and got way behind. My generation doesn't just walk away from debts. I wanted to pay back what I could afford.”

–Bobby J., $21,700 request

“More people need to know about this and not feel bad about not being able to afford their bills all of a sudden. I'm thankful you guys took over.”

–Bill R., $32,400 request

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Oct. 20, 2021

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A Message of Hope...

These are uncertain times for everyone. We have a message of hope for you, your family and your neighbors. We're committed to guide and support you. We believe there's no place for passing judgment, only lifting each other up as we work together to remove the burden of financial difficulties. Together we are stronger.

Help For Minnesota Residents

Account Resolution Plans (ARP) are providing a vital lifeline for Minnesota residents who are struggling to keep up with minimum payments, those who have fallen behind, or those who are being forced to use credit cards or personal loans to take care of personal or business expenses.

ARPs are available across a wide range of income levels. No credit approval is required.

Which Accounts Are Eligible?

Most of these accounts are eligible: credit cards, store cards, medical bills, personal loans, and other unsecured debts not backed by collateral.

What Are The Benefits?

These resolution plans are designed to combine all qualifying accounts into one lower monthly payment so you can resolve financial burdens faster without declaring bankruptcy. This could immediately provide much-needed breathing room for you each month.

What Is MinnesotaDebtRelief.org?

MinnesotaDebtRelief.org is a free resource where residents may find help through free do-it-yourself tools. In addition, residents may request a free evaluation and savings analysis to find out which of their bills are eligible for assistance.

We're here to help you. We've served over 300,000 Minnesota residents since 2009.

Minnesota Debt Consolidation Pros and Cons

Debt consolidation is an option that allows individuals to combine or "consolidate" multiple higher-interest credit card, or other unsecured debts (such as medical bills, store or gas cards) into a single, more affordable payment each month. Typically, debt consolidation programs are coordinated by debt counselors who customize a "debt management plan" providing consumers with a proven and predictable path to get out of debt.

Pros of Debt Consolidation

Provides proven, predictable program to become debt free
Saves money, reduces interest, waives late fees/penalties
Allows you to pay off debts at a pace that fits your budget
Manages multiple debts via single more affordable payment
Puts you back in control of finances to help reduce stress

Cons of Debt Consolidation

Requires discipline to make single monthly payment
If you default, you revert to original creditor agreement
Creditors not required to accept debt proposals
Often takes 3-5 years, or more, to become debt free
While not necessarily harmful to your credit score, will be "noted" on your report

Summary: What to Expect with Debt Consolidation

If you have multiple credit cards and other unsecured debts like medical bills, doctor bills, store cards, unsecured personal loans, and more – a debt consolidation program coordinated through a debt counselor may be the ideal option to help you live within a set budget, reduce debts, and get on a path to become debt-free.

How do debt consolidation programs, or debt management plans work?

Typically, debt consolidation programs are coordinated by debt specialists, or debt counselors, who conduct brief interviews with you to get details on your credit cards and other debts, as well as how much you can realistically afford to pay each month to get out of debt.

Based on this information, your debt specialist will then customize a "debt management plan" for you. Once you approve the plan, letters will be sent on your behalf to each of your creditors requesting benefits – such as lower interest rates, a waiving of late fees and penalties, and generally more favorable repayment terms. Those creditors who accept the proposals are then added to the debt consolidation or debt management program. For those that do not accept debt proposals, you are still obligated to live up to the original terms of your cardholder agreement.

It's important to understand that, just as no two debt situations are exactly alike, no single debt solution is right for everyone. Your debt specialist can provide more details regarding debt consolidation or debt management as part of your free analysis and savings estimate.

Creditors calling?

When you're falling behind with credit card debts and creditors are calling – it feels great to know that there's bankruptcy alternatives to lower your payments and get you out of debt much faster than you ever imagined.

Unexpected bills

Credit card debts and unexpected medical bills can put you in a real bind. Fortunately, bankruptcy alternatives can help save you money and get you out of debt faster.

A brighter future

When you work hard to provide a bright future for your children, you don't want high interest credit card debts to get in the way. You need a proven path to become debt free as quickly as possible.

Debts piling up

When you own your own business, it's easy for credit card debts to become a problem – bills piling up, creditors calling, and you need a way out. The good news is there are bankruptcy alternatives that can help you save money each month and take control of credit card debts.

Supporting a family

Credit card debts can add up quickly, especially when families run into unexpected expenses like medical bills, or loss of a job. The good news is there are hardship programs that can help you.

Financial hardships

When you go through tough times and credit card debt start closing in on you – it feels good to know there are hardship programs to help you get back on track.

Retire debt free

When you're planning for retirement, paying monthly credit card minimums will get in the way of your dreams. The good news is there are hardship relief programs that can help you save money each month and help you get out of debt faster.