Debt Happens.
We Clean It Up.
The debt industry is broken. Most companies push one solution — and sell it to everyone regardless of your situation.
We're different. Real experts who look at every available option — consolidation loans, home equity, balance transfers, debt resolution, and more — then tell you honestly what fits your life.
Find My Best OptionHow Much Debt Do You Have?
No credit check · 100% confidential · Free consultation
One-size debt relief does not fit all.
Most debt companies sell one product and fit every client into it. Settlement companies only settle. Loan companies only lend. They are incentivized to put you in their box — not find the right answer for your situation.
One solution, sold to everyone. You fit their product — or you do not.
Every option on the table. Honest advice for your actual situation.
A real conversation. A real recommendation.
No pressure. No obligation. Just honest answers from someone who has seen every debt situation imaginable.
Tell us about your debt
Quick 10-minute consultation. No credit check, no commitment. Just an honest conversation about your situation. We listen before we recommend anything.
We evaluate every option
Our experts run your numbers against every available solution — consolidation loans, home equity, balance transfers, debt resolution, and self-pay strategies. No agenda, no product quotas.
You get an honest recommendation
We tell you exactly what we would do in your shoes and why. You decide. No pressure tactics, no upsells, no obligation.
We execute the plan together
If you choose to move forward, we handle the heavy lifting from start to finish — negotiating, coordinating, and keeping you informed every step of the way.
Most clients see their first debt settled within 3–6 months.
No credit check · No commitment · 100% confidential
Six paths out of debt. We find your fit.
Unlike companies that only offer one solution, we evaluate every available path and recommend the one that actually makes sense for your situation.
Consolidation loans
Roll high-interest debt into one lower-rate personal loan. One simple monthly payment — no negotiation, no creditor calls.
Home equity (HELOC)
Use your home equity to eliminate high-interest debt at dramatically lower rates. Often the cheapest path to debt freedom.
Balance transfers
Move balances to 0% intro APR cards and eliminate debt interest-free while the clock is on your side.
Debt resolution
Negotiate directly with creditors to settle for less than owed. Most effective for large unsecured debt loads during financial hardship.
Avalanche method
Pay minimums everywhere, attack your highest-interest debt first. Mathematically saves the most money over time.
Snowball method
Pay off your smallest balances first for quick wins and momentum. Psychology-driven payoff that keeps people on track.
Not sure which option is right? That is exactly why we exist.
Most people do not know which debt solution fits their situation — and most companies will not tell you if theirs is not the right one. We will. Free 10-minute call, no obligation.
Find My Best OptionSee What You Could Save
Move the sliders to see how each option compares for your specific situation.
Minimum Payments
Stay the course
Debt Resolution
via CleanupFinancial
Consolidation Loan
60-month term
Your actual rate depends on your credit score and financial profile. Representative example: a $35,000 loan at 15% APR, 60-month term = \$833/mo, total repayable \$49,959. Rates shown are illustrative only and do not constitute an offer of credit.
Estimates only. Actual results vary. Debt resolution may negatively impact your credit score. Results are not guaranteed.
Lives Changed, Debt Resolved
Don't take our word for it. Here's what our clients say about their journey to financial freedom.
"I was drowning in $42,000 of credit card debt and couldn't see a way out. Cleanup Financial negotiated my debt down to $18,000 and set me up with a payment plan I could actually afford. I'm now 14 months away from being completely debt-free. I can't thank them enough."
"I was drowning in $42,000 of credit card debt and couldn't see a way out. Cleanup Financial negotiated my debt down to $18,000 and set me up with a payment plan I could actually afford. I'm now 14 months away from being completely debt-free. I can't thank them enough."
"After my divorce, I was left with over $67,000 in joint debt. Cleanup Financial's team was compassionate, professional, and incredibly effective. They reduced my total debt by 55% and stopped all the creditor calls within the first week. Life-changing service."
"We were skeptical at first — we'd tried other debt companies before. But Cleanup Financial was completely different. Transparent fees, regular updates, and real results. They settled $89,000 of our debt for just over $38,000. We're finally sleeping at night again."
We Believe Everyone Deserves a Financial Fresh Start
Cleanup Financial was founded in 2010 with a simple mission: to give everyday Americans a real way out of debt. We've seen firsthand how debt can trap families, destroy relationships, and steal futures. That's why we fight for our clients every single day.
Unlike banks and credit card companies, we work exclusively for you. Our certified debt specialists leverage years of negotiation experience and established creditor relationships to achieve settlements that you simply couldn't get on your own.
- Licensed and accredited debt resolution specialists
- Members of the American Fair Credit Council (AFCC)
- A+ Rating with the Better Business Bureau
- No upfront fees — you only pay when we deliver results
- Dedicated account manager for every client
- 100% confidential consultations
Answers to Your Debt Questions
We know you have questions. Here are the most common ones we hear from clients. Don't see yours? Call us — we're always happy to help.
Our debt specialists are available Monday–Friday, 8am–8pm EST.
Call (602) 206-2011Debt resolution (also called debt settlement) is a process where we negotiate with your creditors to accept a lump-sum payment that is less than the full amount you owe. You make monthly deposits into a dedicated account, and once sufficient funds accumulate, we negotiate settlements on your behalf. Most clients resolve their debt in 24–48 months.
Find out which option fits you.
Free 10-minute consultation. No credit check. No sales pressure. Just honest answers from a real debt expert who has seen every situation and knows every solution.