Take full control of your debt

Depending on your amount of debt, it might be possible to reduce your monthly payments by 40% or more on eligible debt.

Trusted by many

Find your match

Connecting you with trusted debt partners

Choosing the right debt partner can be overwhelming, but it doesn’t have to be, not with One Payment Plan.

Proven track record

Our partners are industry-leading experts who consistently deliver on their promises.

Completely secure

Explore your options without risk. Your credit score is safe, and there are no obligations.

Personalized support

Once we’ve found your ideal debt partner, they’ll design a plan for your specific financial needs.

Let's break it down together

Debt consolidation can be confusing. Have a question? We’re here to help.

How it works

Three simple steps to financial freedom

We've streamlined the debt consolidation process so you can start reducing your payments today, not tomorrow.

Step one

Pre-approval check

Before we can connect you with the best debt partner, we need to verify your eligibility and gather some information about your current financial situation.

Step two

Get connected

With your provided details, we'll explore all of your potential debt partners, matching you with the best possible option to maximize your financial relief.

Step three

Instant support

After connecting with your chosen partner, they'll develop a personalized payment plan to consolidate your debts and lower your monthly payments.

With your approval, this plan will be activated swiftly, freeing you from debt stress and making way for a brighter future.

Why choose One Payment Plan?

The quickest way to take control.

Top-rated debt partners

We work exclusively with industry-leading debt specialists known for their reliability and stellar track record. Each expert brings extensive experience and a dedication to your financial well-being, ensuring you receive top-notch service and effective results.

Personalized support

Working with your debt partner, you’ll get access to a fully customized payment plan designed to support your unique financial situation. This plan will focus on your specific needs and goals, providing a targeted approach to reducing your debt both now and in the future.

Instant financial relief

Once you approve your payment plan, you'll experience immediate financial relief. Your consolidated payments will be activated, easing your monthly burden, and you’ll be on a new, exciting path toward financial stability.

Complete control

The best part about working with One Payment Plan is that you get to take back control. Not only will you have reduced monthly payments, but you'll also have a clear, manageable payment structure that puts you in charge of your finances.

We’ve already helped 100,000+ people

Join the growing community of people who have transformed their lives with One Payment Plan.

"Light at the End of the Tunnel"

I called for help with rising unsecured debt and there seemed to be “no light at the end of the tunnel”. I was fortunate to talk with Ms. Brittany LaChance, who listened to my questions and shared a wealth of knowledge. Her presentation was Professional, empathetic and logical, she answered questions that applied directly to my personal situation. First time when dealing this debt, I felt like someone heard me. I am very grateful! Thru her expertise, thoughtful communication and patience, I saw the light at the end of the tunnel!

John Ericson

Accredited Debt Relief

“Program is a godsend :)”

Shoshana was friendly and knowledgeable. I was nervous about calling, but she put me at ease right away. She explained all the relevant program information clearly without confusing language, and confirmed I understood it all. It's obvious she cares about her clients and her work. Plus, the solution she recommended for me (there are options based on your situation) will save me over $50k! Came away from the call feeling like a person not a number, and happy I can spend my money on groceries and not bank fees in my old age.

Jamie Syed

Accredited Debt Relief

“This was the best call I ever made”

This was the best call I ever made. Shoshana Batterman Burkhead made me feel so at ease and was very transparent walking me through the whole process. I am 100% satisfied with the experience and feel like a human being again. I can finally take back control of my life and move forward without always worrying about my debt. I haven't felt this stress free in a very long time. I truly recommend ADR to anyone in need.

Robert DeSousa

Accredited Debt Relief

“The process was quick and painless”

The process was quick and painless. Nancy was so friendly, kind and compassionate. We never felt as though we were being judged. We had our payment schedule in a matter of minutes not days.

Mickey Eperthener

Accredited Debt Relief

"I went for it, I’m happy I did!"

Being in a stressful financial situation was bad enough that I accepted I needed a little help and direction. I spoke to Owen who from the start was upfront and did not lead me down a sales pitch conversation that I honestly was expecting. Before I knew it I felt like I already had a load lifted from my shoulders. The process was easy, all questions were answered truthful with no runaround.

James from Kansas

Accredited Debt Relief

Frequently asked questions

What is debt consolidation?

Debt consolidation is the process of combining multiple debts into a single, larger loan, transforming them into one payment plan. In doing so, you can simplify debt management, potentially reduce monthly payments, and lower your interest rates.

What is unsecured debt?

Unsecured debt is a type of debt that isn't backed by collateral, such as credit card payments, medical bills, or student loans.What does it mean? Basically, if you fail to pay these debts, the lender cannot take your possessions to recover the money.

What are the requirements?

Some partners require fair credit and a stable income, and others don’t. We can help you explore all. Doing this will increase your chance of getting funded, but won’t influence your credit score.

How quickly will my debts be resolved?

Most people will experience instant relief, with their upcoming monthly payment sliced in half. Sometimes the process takes a bit longer, but it depends on the debt partner.

How long is the repayment period?

It varies based on your individual circumstances and preferences! Your debt partner will work with you to tailor a solution that best fits your financial situation and income, ensuring you get the most effective debt consolidation strategy for your needs.

Explore solutions

Get instant help with your debt

It’s easier than ever to take control of your finances and regain peace of mind.