You are worthy of
being debt-free

Worthy negotiates with creditors to cut your debt by an average of 47%.

Get started for free

$4,310

Offers

$2,895.35Negotiated savings

Mar ’26NowSep ’27

Payoff boosts$25

Payoff fund$2,804

“For the first time in a long time, I feel like I can breathe.”— Maya R.
Negotiated a 48%Discover settlement
“You handled something I had been avoiding for months.”— Jordan M.
Negotiated a 52%Capital One settlement
“I didn’t expect it to feel this simple.”— Sofia L.
Negotiated a 46%Citi settlement
“It’s a huge relief knowing someone is actually dealing with this.”— Marcus J.
Negotiated a 49%Bank of America settlement
“I finally understand what’s happening with my debt.”— Priya S.
Negotiated a 55%Midland Credit Management settlement
“I stopped dreading every unknown number that called me.”— Carlos V.
Negotiated a 51%Portfolio Recovery Associates settlement
“You made me feel like this was fixable.”— Aaliyah T.
Negotiated a 47%Chase settlement
“I thought I’d have to figure everything out myself.”— Ethan K.
Negotiated a 58%LVNV Funding settlement
“This gave me back a sense of control.”— Nia B.
Negotiated a 45%Wells Fargo settlement
“I can see the end of it now.”— Diego C.
Negotiated a 43%American Express settlement
“You’ve figured out how to make this feel human.”— Jasmine P.
Negotiated a 53%Synchrony settlement
“I’m sleeping better knowing Worthy is handling it.”— Noah A.
Negotiated a 50%PayPal Credit settlement
“I wish I had found this six months ago.”— Leila H.
Negotiated a 56%Comenity settlement
“For once, I don’t feel judged.”— Andre W.
Negotiated a 44%Upgrade settlement
“The updates make me feel like things are actually moving.”— Camila H.
Negotiated a 54%OneMain Financial settlement

“For the first time in a long time, I feel like I can breathe.”— Maya R.
Negotiated a 48%Discover settlement
“You handled something I had been avoiding for months.”— Jordan M.
Negotiated a 52%Capital One settlement
“I didn’t expect it to feel this simple.”— Sofia L.
Negotiated a 46%Citi settlement
“It’s a huge relief knowing someone is actually dealing with this.”— Marcus J.
Negotiated a 49%Bank of America settlement
“I finally understand what’s happening with my debt.”— Priya S.
Negotiated a 55%Midland Credit Management settlement
“I stopped dreading every unknown number that called me.”— Carlos V.
Negotiated a 51%Portfolio Recovery Associates settlement
“You made me feel like this was fixable.”— Aaliyah T.
Negotiated a 47%Chase settlement
“I thought I’d have to figure everything out myself.”— Ethan K.
Negotiated a 58%LVNV Funding settlement
“This gave me back a sense of control.”— Nia B.
Negotiated a 45%Wells Fargo settlement
“I can see the end of it now.”— Diego C.
Negotiated a 43%American Express settlement
“You’ve figured out how to make this feel human.”— Jasmine P.
Negotiated a 53%Synchrony settlement
“I’m sleeping better knowing Worthy is handling it.”— Noah A.
Negotiated a 50%PayPal Credit settlement
“I wish I had found this six months ago.”— Leila H.
Negotiated a 56%Comenity settlement
“For once, I don’t feel judged.”— Andre W.
Negotiated a 44%Upgrade settlement
“The updates make me feel like things are actually moving.”— Camila H.
Negotiated a 54%OneMain Financial settlement

We negotiate for you

Worthy reaches out to creditors and negotiates on your behalf. You approve every offer.

No upfront fees

We only win when you do. We’re an independent platform that works for you, not your creditors.

Free rewards

Worthy is the only debt settlement program that rewards you at every step toward resolution.

Get started for free

2.1x better settlements

Worthy brings together people with similar debts into negotiating groups, giving you more leverage with creditors than any one person has alone.

Discover It

Credit card ••6644

$2408

Approve Discover’s Offer

Current balance: $2,408
Negotiated balance: $1,155 (52% off)
Monthly payment: $62.00

Negotiating group12 accounts

We handle the back and forth

Worthy connects with creditors directly to coordinate offers. We’ll keep you updated on the progress in real-time. All communication is secure and compliant.

Congrats Alex! Your settlement has been approved!

Offer sent to Discover

Jul 22 • $1,155

Ask Worthy, 24/7

Automatic updates on your plan and answers anytime you want more detail.

Digests

Your plan is moving forward. You’re 5 months in, and Worthy just negotiated 52% savings with Discover—taking that account from $2,408 to $1,155. Across your plan, enrolled debt fell from $7,205 to $4,310, with $2,895 in negotiated savings. You’re making real progress.