How It Works
Debt Relief Starts HereOur expert debt resolution plan is designed to help you overcome financial challenges and rebuild your future. Our proven approach could help you resolve your debt for less than you owe.
1. Free Consultation
We’ll review your complete financial picture – from income to debts – to understand your unique situation and create a tailored solution.
2. Build a Debt-Free Plan
Our experts design a personalized debt resolution strategy that fits your budget and timeline, with clear steps to reach your goals.
3. Watch Your Debt Disappear
Our skilled negotiation technology and team works directly with your creditors while you get back to living. We’ll pursue settlements and resolution that could significantly reduce what you owe.
4. Track Your Progress
Track your journey to a debt-free future through our real-time dashboard. See each settlement, monitor your savings, and stay motivated with clear milestones, achievements and additional financial products.
5. Get Back to Building Wealth
Transform from debt resolution to wealth creation. As your debts are being resolved, we’ll help you transition to smarter financial habits and strategies for long-term wealth creation.
Credit Card Debt
High-interest credit card debt can quickly spiral out of control, making minimum payments feel like a never-ending cycle. At THRIVE NOW FINANCIAL, we offer customized credit card debt relief plans that reduce what you owe and shorten the time it takes to become debt-free. By working with major credit card issuers on your behalf, we help you settle balances for a fraction of the original amount—without the need for bankruptcy.
Medical Debt
Unexpected medical expenses are one of the leading causes of debt in America. If you’re facing overwhelming hospital bills, doctor fees, or insurance gaps, our medical debt settlement program can help. We work with healthcare providers and collection agencies to lower your total balance and establish a payment plan that fits your budget—so you can focus on healing, not worrying about bills.
Student Loan Debt
Crushing student loan debt can delay major life goals like buying a home or starting a family. At THRIVE NOW FINANCIAL, we offer assistance for private student loans, helping borrowers settle their balances through negotiation and structured repayment options. While federal loans may require different strategies, our team can help you explore the most effective path toward long-term student loan relief.
Debts that can Qualify
Is Debt Resolution Right for You?
If you’re struggling with $15,000 or more in debt and finding it hard to keep up with minimum payments, our debt resolution program could be your path forward. We’ve helped thousands of people avoid bankruptcy and find their financial footing again.
Eligible Debts
- Credit Cards
- Medical Bills
- Personal Loans (Unsecured)
- Credit Lines (Unsecured)
- Private Student Loans
Non-Eligible Debts
- Mortgages
- Auto Loans
- Federal Student Loans
- Child Support/Alimony
- Tax Obligations
Key Program Details
- Resolve $10k-$100k+ in debt
- Negotiations with creditors
- One monthly payment
- Path to a debt-free future
- Dedicated client support
Frequently Asked Questions
Program
How does your program work?
Following enrollment you set-aside and save a fixed amount of money each month. The amount you save each month is determined during your initial consultation and is based on the total amount of debt you enroll. As your savings builds, we work with your creditors and collectors to reach agreeable settlements on each of your accounts. Once a creditor settlement has been negotiated you will be contacted to authorize it prior to payment. This process repeats until you are debt free!
Who qualifies for the program?
The program is designed for anyone in financial hardship who is falling behind or having problems making minimum payments to creditors on their unsecured debts. You must have a minimum of $10,000 in total unsecured debt and a minimum of $500 of unsecured debt with each individual creditor.
How long does the program take?
The average time it takes for each client is 24 48 months; however, it really depends on your ability to save the funds that will satisfy the amount of your settled debts. The program length is an estimate and not a guaranteed time frame.
Are the service fees paid up front?
No! We work through your accounts one by one until they are all settled, collecting our fee as they go. As a general principle we don’t collect any fees until an account has been settled.
Do I have to include all my accounts in the settlement program?
We advise enrolling all qualifying unsecured debt accounts into the program. If you leave an active credit card outside of the program it will be more difficult to negotiate with your creditors.
Will I be totally debt free after the program?
We will do our best to negotiate satisfactory settlements on every account that is enrolled in our program. Unfortunately, our program does not have any effect on debts that remain unenrolled. The most important advice we can give our clients is to adhere to the program payment plan and work towards an on-time graduation.
What types of debt can be enrolled in the program?
Thrive Now Financial debt settlement programs can enroll most credit cards, store cards, medical bills, and other unsecured debts. We cannot assist with collateralized debts such as mortgages, debt held at federal credit unions, and federal student loans.
Creditors
Do you make monthly payments to my creditors?
No, we do not make monthly payments to your creditors. The purpose of the debt resolution program is to negotiate down the balance of your debts.
Do I have to keep paying my creditors?
It is our understanding that you have enrolled in this program because you are in financial hardship and are unable to make payments to your creditors. If you are able to pay your creditors every month, then it is in your best interest to do so and this program may not be the right program for you.
Can you stop my creditors from calling me?
Receiving calls is normal when you are in hardship and behind on your payments. It would happen whether you are on the program or not. A creditor has a right to call you to collect payment, and there is no way for anyone to make the calls stop completely. However, we provide all our clients with information in our Welcome Package which will help in dealing with collector calls.
Are there rules regarding creditor contact?
All collectors must abide by the FDCPA guidelines. These are rules put in place to make sure you are not being harassed. If you feel this is happening, make sure to call our account manager team. If we determine collectors are violating collection law, we can transfer you to one of our partner attorneys who specializes in debtor’s rights.
What do I say if a creditor or collector calls?
Since you are in true hardship and cannot afford to pay your creditors, the best thing to do is to inform them that you wish for them to send all communications to you in writing. There is no law that says you have to talk with your creditors. The main thing you should do if you are being bothered by a collector is call our account manager team and they will explain the best way to handle
Negotiations & Account
When do you start negotiating?
Each situation is unique; therefore the time in which we begin to negotiate settlements will be different depending on various factors (amount of debt, stage of delinquency, type of creditor, your income, etc). In some cases, we will contact them right when the program begins and in some cases we will contact them some months later. Our staff is trained in knowing when the best time to initiate negotiations on the account is. Keep in mind that if we call too soon, it can have a negative impact and cause escalated collection activity.
Why should I use Thrive Now Financial to settle my debts as opposed to handling it myself?
You can absolutely attempt to settle debts on your own. The downside of self-settlement is that you likely have no experience in dealing with creditors and may be unable to optimize a settlement strategy
Is my trust account the same as a regular bank account?
The account you open is with an FDIC insured bank account and it is administered by Debt Pay Gateway. Keep in mind that the only way to access it will be through the administrator however you will receive bank statements on a regular basis.
How are settlements authorized?
Once we have reached an acceptable settlement with one of your creditors, we will fax, mail or email you the settlement offer to get your final approval. Whether you accept or decline will be up to you.
Do I have online access to my account?
Yes, you will receive a Welcome Pack from Debt Gateway which provides your account username & password.
Credit
Does debt settlement have a negative impact on my credit?
Yes. The debt resolution program will have a negative impact on your credit. Credit bureaus are notified throughout the settlement process. If you are experiencing a financial hardship your priority should be to pay off your debts as this will set the foundation for rebuilding your credit.
Do you offer credit repair services?
No, legitimate negative marks on a credit report cannot be removed.
Are there any tax consequences?
Under IRS rules creditors are allowed to report settled debts exceeding $600 as a loss. In this event the settlement must be reported by you as income. You should consult with your tax preparer for specific advice on the tax consequences of forgiven debt and how it applies to your financial situation.
Settle your Debts for Less Than What You Owe!
If you have at least $15,000 in unsecured debt and are struggling to make payments, Thrive Now Financial will work with your creditors a to help you settle your debts for less than what you owe.
Don’t wait another day to reclaim your peace of mind. THRIVE NOW FINANCIAL is ready to help you reduce your total debt, lower your monthly payments, and start fresh—without bankruptcy. Our process is simple, confidential, and designed with your best interests at heart.
Complete the questionnaire to see how much you could save. One of our debt specialists will contact you to walk through your options and help you thrive again.
