Why We’re Different

We never charge consultation or debt analysis fees. If you don’t already have a 3 bureau credit report, we’ll help you get one, then review it with you line by line. You’ll understand every account, and together we’ll create a clear plan for your financial obligations.

While many firms charge fees and skip this step, we take the time to do it right. That’s what makes us different.

Every client’s situation is unique, so we create strategies tailored to your goals and budget. For example, if you have a $200 balance on a credit card with 4 years of perfect payment history, we’d advise against settling... it would hurt your credit for no reason.

Unlike many companies, we focus on saving the accounts that can be affordably kept, protecting your credit and reducing long term damage.

Heavy debt, low credit, and no open accounts? We see opportunity ...not defeat. Many think rebuilding credit must wait until after debt settlement. Not true.

We partner with lenders who approve clients with poor credit and create a plan to help you open new accounts and use them to boost your score, something we haven’t seen other debt settlement companies do.

We never charge fees until a service is completed, as required by California and federal law. Our settlement fees are also pro rated, meaning you only pay as we deliver results.

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Unlike most debt settlement companies that front load their fees, we believe this approach is the fairest way to serve our clients.

Most debt settlement companies charge a 25% negotiating / settlement fee and won’t even list their pricing online.
At Debt-Regret.Net, our fee is just 15% of enrolled debt. That means you save 10% off your total cost, and 40% less in fees than with our competition! In dollars, that’s an extra $100 in savings per $1000 in debt, or $1000 in savings for every 10k in debt. And we don’t just settle your debt… we guide and communicate with you through
the entire process.

With Debt-Regret, you truly pay less and get more.