Angels of Debt were tremendously helpful in debt reduction for my CC debt. I am very grateful for the work Joseph and his team has done. Excellent job!
$10,000
$1,000
$100,000+
Cards, loans, credit lines, mortgages & cash advances
We only get paid when we settle
Brooklyn, New York
If the minimum payments are eating your income, you are not alone and you are not out of options.
We explain what each option costs you, including the effect on your credit, so you can decide with your eyes open.
Angels of Debt was founded in 2004 as a family business in Brooklyn, New York. Over two decades we have built working relationships with the major banks and a track record of helping families and business owners resolve what they owe.
Today our team of debt specialists and negotiators handles four kinds of problems: credit card and other unsecured debt through our Fresh Start Plan, SBA loan assistance including pandemic-era loans, mortgage modifications when you are behind, and merchant cash advance restructuring for business owners. We work with clients by phone and email.
Received letters about an SBA loan? Many business owners took pandemic relief loans and are now struggling to keep up. If you have received notices about an SBA loan, or your loan has been sent to the U.S. Treasury for collection, reach out. We will explain what the notices mean, what your options are, and which deadlines matter. There are no guarantees in this process, and we will tell you plainly if we cannot help.
We handle the calls, the paperwork and the negotiations. You approve every step.
A free call. You tell us what you owe and to whom. We tell you honestly whether we can help. There are no upfront fees.
You get a written plan with the monthly amount, the expected timeline and the risks, before you sign anything.
We negotiate with your creditors. Most credit card programs run 24 to 48 months. You approve every settlement before it happens.
Nothing inspires our mission more than our hardworking, resilient clients. We’re here to help you get your life back and feel steady again. Reviews are from real clients. Results vary and are not guaranteed.
I’ve never felt so supported by a team. They’re trustworthy, reliable, and genuinely care about helping you succeed. Their step-by-step plan helped me get excellent results without feeling overwhelmed.I’ve never felt so supported by a team. They’re trustworthy, reliable, and genuinely care about helping you succeed. Their step-by-step plan helped me get excellent results without feeling overwhelmed.
It depends on your creditors and your budget. Credit card programs usually run 24 to 48 months. SBA and mortgage matters are measured in months and depend on the agency or lender. We give you an estimate on the first call.
Usually yes, while you are in a settlement program. Many clients were already behind when they came to us. We tell you this before you start, not after, and we explain how people rebuild afterward.
Settlement means your creditor agrees to accept less than the full balance. A payment plan means you pay the full balance over time, sometimes at a lower rate. We explain which fits your situation, and we will say if a nonprofit credit counselor is the better choice for you.
We have helped people and business owners with their debt since 2004. We do not charge upfront fees and we do not get paid unless we settle. Past results do not guarantee what will happen in your case.
Someone with at least $10,000 in debt who wants an honest plan and is ready to stick to it. We do not handle student loans. And we never tell anyone to stop paying their bills: we explain the consequences of each choice, and you decide.
Financial hardship feels overwhelming. One free, no-obligation call gets you a clear picture of your options. A real person answers during business hours.
Contact
Please call us at (888) 514-1085 to talk through your options for financial hardship.
Enter your balance, your interest rate, and what you pay each month.
Estimates assume the rate and payment stay the same and nothing new is charged. Your statement is the final word. This is information, not a promise of any result.
We will call you within one business day.
Can’t wait? Call (888) 514-1085 or text 718-766-5193. Mon–Thu 9–6, Fri 9–2 ET.
Want a quick, honest look at your numbers? Leave your phone number and a debt specialist will call you. Free call, no pressure, no upfront fees.
We will call you within one business day. Mon–Thu 9–6, Fri 9–2 ET.
By sending, you agree that Angels of Debt may call or text you about your request. Results vary and are not guaranteed. Prefer to talk now? Call (888) 514-1085 or text 718-766-5193.