BBB A+ Accredited

We’ve helped thousands of families reduce their debt and their monthly payments by 50% or more – in 36 months or less.

Because every client has a different circumstance, each program is custom tailored to address specific needs. Whether it is lowering your monthly payments, putting an end to harassing creditor phone calls, or rapidly becoming debt free, our team has your financial goals in mind.

Request Free Consultation

See Real Settlements

Call Now to be debt free and get your Free Book

(866) 760-8019

Mon–Fri · 9am–6pm EST

Free · No commitment · Confidential

See if you qualify in 30 seconds

Answer 2 quick questions and we'll tell you exactly how much you could save.

1

Debt Amount

2

Debt Type

3

Get Results

How much unsecured debt do you currently have?

Where should we send your free savings estimate?

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

Your path to financial freedom

01

02

03

Talk to a consultant — free, no obligation

1 call · 100% confidential

Whether it's lowering your monthly payments, putting an end to harassing creditor phone calls, or rapidly becoming debt free, our team has your financial goals in mind. A dedicated consultant reviews your situation and builds a custom program around your specific needs. No pressure, no commitment.

We negotiate directly on the principal balance

Up to 50% reduction · You approve every settlement

All settlements are executed from a third party trust account, exclusively in your control. All clients have the right to confirm or deny any settlement proposed. During the entire process clients have online access 24 hours per day to review their transaction history. TFF's program goes beyond interest rates — we negotiate on the principal balance owed. Because you're paying back less, program lengths are shorter and more money can be saved.

One payment. One timeline. Debt free.

8–36 months · No prepayment penalties

In general our clients experience a dramatic debt reduction and look forward to being debt free within 36 months. You make one simple monthly payment — no juggling multiple creditors, no more collection calls. There are no pre-payment penalties.

Find out how much
you could save

A consultant will call you within 1 business day — no pressure, no obligation.

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

What happens next?

We call you within 1 business day

A dedicated consultant will call you to review your situation. The call is confidential, pressure-free, and non-binding. You decide whether to proceed.

We build your custom plan

Because every client has a different circumstance, each program is custom tailored to address specific needs — including one simple monthly payment based on your current financial situation.

We negotiate, you approve

All clients have the right to confirm or deny any settlement proposed. During the entire process clients have online access 24 hours per day to review their transaction history.

Prefer to call?

(866) 760-8019

Mon–Fri · 9am–6pm EST

See why we’re rated 4.9/5  by our clients

Based on 127+ Google Reviews

"With a monthly payment roughly equal to my minimum card payments — which were getting me nowhere — TFF got my debts settled and paid off in around 2 years. I owed about $10,000. Now that's gone."

John P.

"Our experience working with TFF was life changing. We entered with over $60K in debt. 2.5 years later all our accounts were settled for less than 45% — and we finished sooner than expected. Have faith, not fear."

Brian & Michelle C.

"Positive, kind, easy to talk to and so helpful. Incredible service — genuinely care about helping me resolve my financial needs. I am amazed at how quickly my financial concerns are being resolved."

Elizabeth J.

The fastest, least expensive way to get debt free — without filing bankruptcy.

Reduce your payments BY

Up to 50%+

and Reduce what you owe

We negotiate directly on the principal balance — not just interest rates. Clients regularly settle accounts for a fraction of their original balance, saving thousands.

18–36 months

A clear finish line

Our clients resolve their debt in 18 to 36 months — far faster than making minimum payments for 20+ years or enrolling in a credit counseling program that lasts 5 to 7 years.

1 payment

One simple monthly payment

No hidden fees. One low monthly payment covers everything — including all program fees — based on your current financial situation. No juggling multiple creditors.

100%

Your account, your control

All settlements are executed from a third-party trust account in your name — not ours. You have 24/7 online access to your full transaction history. You approve every settlement before it happens.

Everything you need to know before getting started

Read all the FAQs

How can I afford your services when I’m already in debt?

Here at TFF we understand that every client has a unique situation. Before moving forward, we design a program to fit your budget. Many clients are even making program payments which are lower than their scheduled minimum payments!

How will the debt settlement process affect my credit?

The debt settlement process is designed to aggressively reduce your outstanding debts, thereby improving your debt to income ratio. However, it’s likely that if you’re thinking about debt settlement your credit is likely damaged. This could have resulted because of having too much debt, credit card balances that are over the credit limit, or late payments. It is much easier to improve your credit after eliminating your debt than to struggle for many years and then focus on the repair of your credit.

Can you lower my interest rates?

We are not in the business of negotiating interest rates. TFF’s program goes beyond interest rates. We are negotiating on the principal balance owed. Because you’re paying back less, program lengths are shorter and more money can be saved.

What types of debt can I include in your program?

We are able to negotiate unsecured debts such as: credit cards, medical bills, gas cards, overdue rent, repossessions and personal loans.

No commitment. Free. Confidential.

Ready to start your path to financial freedom?

Join 1,000+ families who cut their debt by up to 50% in 36 months or less.

Get Free Consultation