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Why Choose Momentum Debt Relief

No Hassle.
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No Sales Commissions.
Smart tech replaces sales commissions. You get lower fees and shorter programs

Lower Costs

Lower Costs
Transparent pricing with lower fees than traditional companies

Faster Results

Faster Results
Shorter program length means greater savings and out of debt sooner

Data-Driven

Data-Driven
Personalized approach based on your actual financial data

Transparent

Transparent
No hidden fees or surprise charges - know exactly what you'll pay

Expert Support

Expert Support
Dedicated team of debt settlement specialists guiding you

Proven Results

Proven Results
Leveraging 20+ years of expertise, we've built a seamless, automated enrollment solution that puts you in control

Who Momentum Can Help

Momentum helps people in many situations.
See How It Works
Divorce
Starting debt: $24,840
Settled for: $15,640
36 months to payoff
Job loss
Starting debt: $28,471
Settled for: $15,815
42 months to payoff
Medical bills
Starting debt: $21,288
Settled for: $10,924
42 months to payoff
Business closure
Starting debt: $30,041
Settled for: $13,636
42 months to payoff

Frequently Asked Questions

Common questions about debt settlement and our process
Debt Settlement 101
What Is Debt Settlement?
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Debt settlement is a financial hardship program that negotiates down your balances on unsecured debt like credit card, personal loan and medical debt so you can settle for less than you owe. Instead of paying your creditors directly, you make one lower and affordable monthly deposit into a dedicated account and, once there is enough saved, settlements happen. It's not instant and it's not for everyone but, when minimum payments no longer make sense, settlement can be a structured path out. If you want to understand if settlement fits your situation, Momentum offers online tools to help you investigate and compare options.
How Debt Settlement Actually Works
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Debt settlement is a financial hardship program. It works by negotiating your balances down so you can resolve debt faster than paying minimums. Instead of paying creditors directly, you make one lower program deposit into your dedicated account. As funds build, negotiations begin and creditors may agree to settle for less than the full balance. Settlement only works when your income is steady enough to cover essential expenses and a program payment. That income can come from a job, gig work, unemployment, retirement funds, permanent disability, self-employment, or any combination of sources. The type doesn't matter — the stability does. The key is timing. Settlement works best after the "hit" has already happened — the drop in income or spike in expenses. Your situation is impaired but stable enough to commit. When minimum payments no longer make sense and your income has leveled out, settlement can be a realistic and faster path out of debt.
What Types of Debt Can Be Settled?
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Most unsecured debt can be settled, meaning debt that isn't tied to collateral. That includes credit cards, medical bills, personal loans, private lines of credit, buy now, pay later accounts, auto loan deficiencies and even some private student loans. Debts that can't be settled include car loans, mortgages, federal student loans, and anything secured by property. If you're unsure which category your debt falls into, think about whether the lender can repossess something. If they can't, it's likely unsecured and eligible for settlement.
The First 90 Days of Settlement: What to Expect
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The first 90 days are the hardest because it's the transition period. Payments to creditors stop as part of the settlement process, collection activities may increase, and balances can rise before any settlements happen. This can feel stressful, but it's all part of the normal process. What helps is staying consistent with your program deposits, keeping us updated on creditor contact, and knowing that this stage sets up the settlements that come later. The early noise fades; the progress comes next.
What Makes Momentum Different?
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Momentum is different because we removed the sales floor and the commissions. That means lower fees and shorter timelines — savings we pass directly to you. Instead of pressure and scripts, you get modern tools, transparent math, and a plan built around your real affordability. It's a tech-first, no-pressure approach to an industry that hasn't changed in decades. Our goal is simple: help you finish faster with less stress.
How Long Should a Settlement Program Take?
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The right answer is: as short as your real budget allows. Progress in settlement starts once you've saved about 25% of an account's balance. That's the point where meaningful offers can be made. This doesn't mean a creditor accepts 25%. It marks the point where meaningful negotiations typically begin. Reaching that point faster matters. Shorter programs can lead to earlier settlements, stronger potential savings, and less time for interest, fees and collection pressure to build. The longer debts sit unpaid, the harder and more expensive the process becomes. When the numbers support it, shorter programs deliver better, faster outcomes.
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