The smarter way to reduce debt

Worthy negotiates with creditors so you don't have to

No phone calls

Worthy reaches out to creditors and handles every conversation. No calls, no back-and-forth. You approve offers when they’re ready.

Most creditors accept less than the full balance to resolve an account. You decide the offer. Worthy sends it.

You’re never charged to use Worthy. No fees, ever. We’re an independent platform that works for you, not your creditors.

Worthy suggests a starting point based on what creditors are likely to accept. You decide what to offer.

Worthy connects with creditors directly to present your offer. We'll keep you updated on the progress in real-time.

No. We use a soft credit check to see your accounts, which has no impact on your score. Resolving accounts can actually help your credit over time.

Worthy works only with the most established financial infrastructure partners for verification, connectivity, and payments.