A clearer path through unsecured debt.
Connect with a certified debt specialist to review your options for managing unsecured debt. Understand what may be available before making any decisions.
Request a Consultation
A certified specialist will review your situation and explain your options. No obligation to enroll.
Important: ClearPath is an independent debt negotiation assistance service — not a government agency, bank, or lender. Debt settlement may negatively affect your credit score and may have tax implications. Results vary based on the creditor, debt type, and your individual circumstances. No specific outcome is guaranteed. Fees are disclosed in writing before any enrollment. Consult a qualified financial, legal, or tax professional before making decisions about your debts.
How debt negotiation assistance works.
A step-by-step walkthrough — with no obligation at any stage.
A certified specialist reviews your debt accounts, creditors, and financial situation. This conversation is informational — it does not commit you to any program.
No decisions are made at this stage.
Your specialist explains available debt assistance options, potential timelines, and the possible impact on your credit history so you can make an informed choice.
Outcomes depend on creditor, debt type, and individual circumstances. No result is guaranteed.
If you decide to enroll in a program, you receive a complete written disclosure of all fees and terms before signing anything. Under federal law, fees are generally collected only after a successful negotiation you approve.
Per the FTC's Telemarketing Sales Rule (TSR).
With full information, you decide whether to move forward. You retain the right to cancel your enrollment at any time, subject to your agreement terms and applicable law.
This table provides general information only. Your specialist will review specifics applicable to your situation and state of residence.
Types of unsecured debt that may be eligible.
Eligibility varies by program, creditor, and state. A specialist can help determine what applies to your situation.
Outstanding balances on personal or retail credit cards. One of the most common forms of unsecured debt enrolled in negotiation programs.
Hospital, physician, or procedure bills not covered by insurance. Medical debt is generally considered unsecured and may be eligible depending on the program.
Unsecured personal loans from banks, credit unions, or online lenders — not backed by collateral such as a vehicle or property.
Debts that have been transferred to a collections agency or appear as collection accounts on your credit report.
Certain past-due utility or telecom accounts may be eligible depending on the creditor and program. Eligibility varies.
Secured debts (mortgages, auto loans), federal student loans, child support, alimony, and tax debts are generally not eligible. Eligibility always varies by program.
What we will — and won't — promise.
We believe transparency about limitations is as important as explaining what may be possible.
A certified specialist reviews your accounts, creditors, and available options in your state before recommending any course of action.
Negotiation outcomes depend on the creditor and your circumstances. No specific reduction amount or percentage is guaranteed.
You receive a complete written breakdown of all fees, timelines, and program terms before you sign anything. No surprises.
Debt settlement may negatively affect your credit score during and after the program. We explain this clearly before you decide.
You may cancel your enrollment at any time, subject to your agreement terms and applicable state and federal law.
Forgiven or settled debt may be treated as taxable income by the IRS. A 1099-C may be issued. Consult a tax professional.
What sets our service apart.
Four things we do differently in debt negotiation assistance.
Every consultation is handled by a certified debt specialist — not an automated system or unlicensed representative.
All fees, terms, and program conditions are provided in writing before you sign anything. No verbal-only agreements.
Our practices align with the FTC Telemarketing Sales Rule, including the prohibition on advance fees for debt relief services.
Your specialist stays available for questions throughout the program — not just during the enrollment call.
Before you speak with a specialist.
Straightforward answers to the questions we hear most often.
What is debt settlement?
Debt settlement (also called debt negotiation) is a process in which a specialist works with your creditors to attempt to reach a payment agreement for less than the full balance owed. Results are not guaranteed and vary based on the creditor, debt type, and your individual circumstances.
Will debt settlement affect my credit score?
Yes. Debt settlement typically has a negative impact on your credit score. During a program, you may stop making regular payments to creditors — this can result in negative marks on your credit report. The long-term impact depends on your starting credit profile and which accounts are included. We recommend consulting a certified credit counselor before enrolling.
How long does a debt settlement program take?
Program length varies considerably based on the total amount of debt, the number of creditors, and your monthly savings rate. Most programs run between 24 and 48 months. Your specialist will provide an estimate based on your specific situation — no general timeline applies to everyone.
Are there fees for this service?
Yes. Fees vary by program and are disclosed in writing before any enrollment. Under the FTC's Telemarketing Sales Rule, debt relief companies generally may not collect fees before a debt has been successfully negotiated and you have approved the settlement. Your specialist will provide a complete fee schedule before you sign anything.
Are there tax consequences?
Potentially yes. The IRS may consider forgiven or cancelled debt as taxable income. If a creditor forgives $600 or more, they may issue a 1099-C form. We strongly recommend consulting a qualified tax professional before enrolling to understand the potential tax implications for your specific situation.
Can I cancel after enrolling?
Yes. You may cancel your enrollment at any time. Specific cancellation terms are outlined in your written agreement and are subject to applicable state and federal law. There is no obligation to enroll after the initial consultation.
Is ClearPath a government agency?
No. ClearPath is an independent, private debt negotiation assistance service. We are not affiliated with, endorsed by, or operated by the U.S. government, the FTC, the CFPB, or any state or federal agency. We are not a bank, credit union, or lending institution.
What debts are NOT eligible?
Secured debts (such as mortgages and auto loans), federal student loans, child support and alimony obligations, and tax debts are generally not eligible for unsecured debt negotiation programs. Eligibility for other debt types varies by program and state. A specialist can confirm what applies to your accounts.
Ready to explore your options?
Request a consultation to review what debt assistance options may be available for your situation. No obligation to enroll at any stage of the process.