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Harbor Relief is an independent consumer matching and referral platform. We help people explore potential ways to manage their debt, ask a few questions about their situation and, when possible, connect them with a participating third-party provider.
No. Harbor Relief does not lend money, settle debts, negotiate with creditors or collect debt payments. Participating third-party providers are responsible for their own products and programs, eligibility or approval decisions, terms and services.
Debt consolidation generally involves using a new loan to combine or pay off multiple existing debts. For qualifying borrowers, this may simplify monthly payments and could potentially lower the interest rate being paid. Eligibility, rates and loan terms are determined by the participating provider and depend on the consumer’s financial profile.
Debt relief is a broad term that can include programs designed to help consumers manage or resolve qualifying debts. Debt settlement is one type of debt relief in which a provider may work with an enrolled consumer to negotiate with creditors in an effort to resolve eligible debts for less than the amounts owed. These programs are not appropriate for everyone, and results are not guaranteed.
Common types of debt may include credit cards, personal loans, medical bills, collections and other qualifying unsecured debts. Mortgages, auto loans, federal student loans, tax debt, child support, alimony, court fines and most secured debts are generally outside our focus. Available options depend on the participating provider, debt type, credit profile, state and individual circumstances.
Debt consolidation generally uses new credit to combine or pay off existing debts, which the consumer then repays under the terms of the new loan.
Debt relief programs generally take a different approach and may involve working to resolve qualifying unsecured debts rather than replacing them with a new loan. Each option has different eligibility requirements, costs, risks and potential effects on credit.
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