Five services. One connected process.

Debt Settlement

Our negotiation team contacts creditors on eligible unsecured accounts — credit cards, personal loans, medical debt, and certain lines of credit — to negotiate a reduced lump-sum payoff.

Every offer a creditor accepts is presented to you in writing before any funds are released. You decide whether to approve it.

• Written settlement offers, reviewed before acceptance
• Dedicated negotiator assigned per account

Escrow Management

Program deposits go into a dedicated, FDIC-insured account held in your name at an independent bank — not into a SafePath account.

You can view your balance at any time, and funds are only disbursed to pay an approved settlement or returned to you if you leave the program.

• FDIC-insured, independently administered
• Withdrawable if you exit the program

Financial Consultation

A free, no-obligation review of your total unsecured debt, income, and monthly budget, resulting in a plain-language recommendation.

If settlement isn't the right fit, we'll say so — and point you toward credit counseling or other options where appropriate.

• No cost, no obligation to enroll
• Honest fit assessment, including "not a fit"

Debt Relief Guidance

Education on how debt settlement compares with nonprofit credit counseling, debt consolidation loans, and bankruptcy — including the trade-offs of each.

Our goal is an informed decision, not a default answer.

• Side-by-side comparison of options
• Referrals when settlement isn't ideal

Optional Legal Plans

Some creditors may pursue legal action against consumers while enrolled in a settlement program. SafePath offers access to optional legal plans through independent, affiliated legal plan providers, which may connect eligible clients with attorney assistance if that happens.

These plans are entirely optional, priced and administered by the third-party provider, and never required to enroll in a SafePath settlement program.

See full Legal Plans details →