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“I thought I'd never get ahead—until I found Alliance. I finally have control over my finances and hope for the future.”
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Total Debt

$18,420

Monthly Payment

$290

Program Length

34 Months

Total Savings

$5,670

Get Out of Debt Faster

We consolidate your debt into a single, more manageable amount with lower monthly payments and no upfront fees.

See If You Qualify For Debt Relief

  • ✔️ Pay Up To 30% Less Than You Owe
  • ✔️ Debt Free In As Little As 12–48 Months
  • ✔️ Free Consultation and Zero Up-Front Fees

Take The Next Steps Toward Financial Stability

How It Works

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Calculate Your
New Payment

An adviser works with you to create customized option through a free consult.

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We Work On
Your Behalf

Once Approved, our legal arbitrators work with your creditors on your behalf.

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Get Debt Free
Faster

Pay less monthly and join our many other clients in getting out of debt in 24–48 months.

Real Results, Real People
$91M+
Debt Resolved
Since 2021, for clients across the U.S.
“I was drowning in credit card debt and felt like I had no options. Now I pay less than half of what I used to, and I sleep better at night.”
– Maria G., Florida
87%
Avg. Payment Reduction
For qualified clients in structured plans
“The team made everything so simple. I felt supported from day one, and now I finally see light at the end of the tunnel.”
– James R., Texas
4.9★
Client Satisfaction
Based on over 3,000 verified reviews
“Not only did they help me lower my payments, but they also taught me how to rebuild my financial future. That’s priceless.”
– Alicia M., California

Trusted & Accredited

Alliance Settlement is a BBB-accredited business committed to integrity, transparency, and exceptional service. You can count on us to guide you toward financial freedom with the trust you deserve.

View Our BBB Profile

Why Trust Us

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We offer: Clear, honest savings estimates

No breakdown icon

They don’t: Just vague promises, no breakdowns

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We offer: Real human support (no bots!)

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They don’t: Bots, long holds, no follow-up

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We offer: Bank-level encryption to protect your data

No security icon

They don’t: Minimal or no data protection

No fees icon

We offer: No upfront fees, no tricks

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They don’t: Hidden fees, unclear terms

$20M+ Resolved This Year

Goal: $50M resolved by end of 2025
We’re proud to have helped thousands reduce their debt.
Join them now and see how much you can save.

Frequently Asked Questions

How does the debt relief program work?
We negotiate with your creditors to reduce what you owe and consolidate your payments into one lower monthly amount.
Will this hurt my credit score?
While your credit may dip at first, many clients see improvements over time as they reduce debt and avoid missed payments.
How long does the process take?
Most clients complete the program in 24 to 48 months, depending on their debt amount and monthly contributions.
What kinds of debt are eligible?
We help with most unsecured debts including credit cards, medical bills, personal loans, and collections.
Are there any upfront fees?
No. We only charge fees after successfully settling your debt and you've made at least one payment towards the settlement.
Can I negotiate a debt settlement on my own?
Yes, it's possible to negotiate directly with creditors, but having professional assistance can often lead to better outcomes and less stress.
What happens if a creditor refuses to negotiate?
If a creditor is unwilling to negotiate, we explore alternative strategies, including continued negotiations or considering other debt relief options.
Will I be protected from creditor calls?
While we can't guarantee all calls will stop immediately, enrolling in our program often reduces the frequency of collection calls over time.
Is forgiven debt taxable?
In some cases, forgiven debt may be considered taxable income. We recommend consulting with a tax professional for guidance specific to your situation.
How do I know if I'm a good candidate for debt relief?
If you're struggling with unsecured debts and finding it hard to make minimum payments, our program may be a suitable solution for you.

Blogs & Articles

Browse our latest articles and financial insights designed to help you make smarter money decisions. Whether you're looking for budgeting tips, debt strategies, or long-term planning ideas — we've got you covered.

Investing in Yourself: Education and Skills for Financial Independence

Financial independence isn’t just about earning more—it’s about continuously growing your skills and knowledge. From professional certifications to self-education in personal finance, investing in yourself can open doors to new opportunities and greater financial security. Discover key strategies to enhance your earning potential, develop high-income skills, and future-proof your career in an evolving economy.

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March 27, 2025 No Comments

The Role of Mindfulness in Managing Financial Stress

Financial stress can take a toll on both mental and physical well-being, but mindfulness offers a powerful way to regain control. By practicing awareness, reducing impulsive spending, and fostering a positive money mindset, individuals can make better financial decisions and feel more at ease with their financial journey. Learn how mindfulness techniques can help you build resilience, improve budgeting habits, and create a healthier relationship with money.

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March 27, 2025 No Comments

Building Financial Resilience: Lessons from the Last 5 Years

The past five years have highlighted the need for financial resilience. From economic downturns to rising inflation, those who saved, diversified income, and invested wisely emerged stronger. This article explores key lessons and strategies to help you build lasting financial security.

Read More »
March 13, 2025 No Comments

Proudly Serving the U.S., Based in Jersey City

We help clients across the country navigate debt with confidence — but our roots are local. Our team is based in Jersey City, NJ, where we’re proud to support individuals nationwide with clarity, transparency, and care.

Whether you're across the country or just across the river, we're here to help.

📍 30 Montgomery St, Jersey City, NJ
📞 (866) 797-7971
✉️ hello@alliancesettlement.com

Alliance Settlement helps individuals reduce and resolve unsecured debt through personalized debt relief programs.

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30 Montgomery St Jersey City, NJ 07302

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