Settle your debt for less than you owe.
If you're buried in unsecured debt, we negotiate directly with your creditors to reduce the balance — one settlement at a time, with no fees until a debt is settled.
Built for unsecured debt — credit cards, medical bills, and personal loans.
Settlement isn't right for everyone, and it has real trade-offs. We'll tell you the truth about whether it fits before you enroll in anything.
How we reduce what you owe
We review everything you owe and tell you honestly whether settlement, consolidation, credit counseling, or another path is the right fit — even if that path isn’t us.
For enrolled unsecured debts — credit cards, medical bills, personal loans — we negotiate directly with creditors to reduce the total balance you pay back.
You set aside funds over time in an account you control. As balances build, we settle debts one at a time — and nothing is finalized without your say-so.
How it works
A free, honest look at what you owe and whether a settlement program actually makes sense for your situation.
You set aside a planned amount each month in a dedicated account you own and control.
As funds build, we negotiate and settle enrolled debts one at a time — each with your approval.
See if settlement is right for you.
A free, honest consultation — no obligation, no pressure.
Get a Free Debt ConsultationFidelis Debt Settlement is a debt-settlement service — not a lender, credit-counseling agency, or credit repair organization. We do not charge any fee until a debt is settled and you have approved the settlement. Enrolling in a debt-settlement program and setting aside funds instead of paying creditors will likely have a negative effect on your credit and may result in collection activity or lawsuits, and forgiven debt may be taxable as income. Not all creditors will agree to settle, and the amount you save may be less than expected; results vary and are not guaranteed. Read your program agreement carefully.