Debt relief is a process that helps reduce or eliminate what you owe by negotiating with creditors. It can lower your balances, monthly payments, or interest — giving you a faster path to financial freedom.

We review your situation, create a custom plan, and negotiate directly with your creditors to reduce what you owe. You’ll make one affordable monthly deposit while we work to settle your debts — with no upfront fees.

We help reduce unsecured debts like credit cards, personal loans, medical bills, and collections. If it doesn’t require collateral, there’s a good chance we can help settle it — for far less than you owe.

Your credit score may dip at first, especially if you’re behind on payments — but most clients see their scores recover and improve as debts are resolved. The long-term benefit of becoming debt-free often outweighs the short-term impact.

NewPath Relief charges a fee only after we’ve settled your debt — typically 15–25% of the enrolled amount. And here’s our promise: if we don’t save you more than our fee, you don’t pay us. Most clients still save significantly, often reducing their total debt by 40–60%.

You don’t pay us anything until we’ve negotiated a settlement and you’ve approved the terms in writing. Only after you’ve seen real results do we collect our fee—which is always built into your monthly program deposit, with no surprise charges or upfront costs.

Unlike many programs that charge upfront or take a one-size-fits-all approach, NewPath Relief customizes every plan to your financial situation—without upfront fees. We focus on fast, negotiated settlements that can reduce what you owe by up to 60%, often completing your program sooner and at a lower cost than consolidation loans or credit counseling.

Credit counseling helps you repay your full debt with lower interest—but it can take 5+ years and often costs more overall.
Debt settlement, like NewPath Relief, negotiates to reduce what you owe—often by 40–60%—and helps you finish faster and for less.
Bankruptcy is a legal option that may wipe out debt, but it stays on your credit report for up to 10 years and may require giving up assets.

Debt settlement is the middle ground: faster than counseling, less damaging than bankruptcy, and far more affordable.

NewPath Relief specializes in debt settlement for faster, deeper savings — but if you’re eligible and prefer a loan, we can connect you with competitive lenders. While most clients don’t qualify due to credit concerns, we’ll help you explore the option that fits your needs best.