Buried in Credit Card Debt After 65? You’re Not Alone — But There Is a Way Out.

No, the program works alongside your current income. You won't lose your benefits.

Debt relief can temporarily affect your score, but most people are already struggling to keep it high due to the balances. This process is about getting control. And the truth is, once your debt is reduced or eliminated, your score can recover—and often improve—because you're finally resolving the issue.

This is a legitimate financial hardship program. We don’t promise miracles—we help you take a proven, legal path to lowering your payments and negotiating better terms with your creditors. Our consultation call is entirely free and has no obligations.

If you don’t qualify for this specific program, we’ll still try to help you understand your options. Many people think they won’t qualify and are surprised that they actually do—so don’t assume. Take the 60-second quiz and see.

Yes, absolutely. Many people in this program are still working full-time or part-time. You don’t have to stop earning—you’re just getting relief so you can keep more of what you earn.

Many people see their monthly payments lowered in a matter of weeks. Every case is different, but you’ll get a breakdown fast. The 15-minute call will give you a clear plan.

Most cards included in the program will be frozen, yes. This isn’t a punishment—it’s a way to stop digging the hole deeper while you fix things. We recommend keeping one card aside for emergencies.

Because if you file for bankruptcy, they could get nothing. Creditors prefer to work with you to recover part of the debt rather than lose it all.

No hidden fees. Everything is upfront and transparent. The program’s purpose is to save you money, not add to your stress.

This program is for unsecured debts—credit cards, medical bills, and personal loans. No auto loans, student loans, or mortgages.