How does our Debt Relief Program work?

Request Your Free Debt Consultation

Finally, a debt relief program that is proven to work

When it comes to debt settlement, most programs follow a similar structure. This can make it difficult to know which one is right for you. This is why we encourage all of our clients to do the proper research beforehand when it comes to the company and the type of program that you are being offered. Sometimes, debt settlement is not the best option for you and if it’s not, then we will be sure to recommend the next best alternative.

Receive a free consultation from one of our Renova Debt Relief representatives

The first step in getting debt-free is a short call to one of our debt professionals. We do not enroll anyone over the phone so you do not have to worry about high-pressure sales tactics. Instead, we will ask for an overview of your financial situation and review the options that are best for you.

If debt settlement is the right option for you then the next step is to review your budget, monthly expenses, and cost of living so that we can come up with a realistic single monthly payment amount.

Your Renova Debt Relief representative will also coach you on how you should handle things like collection calls or dealing with your lender. We know all of the intimidation tactics used by the lending industry and will advise you on the best course of action to appropriately handle them.

Make your first monthly payment to an FDIC-insured account

Now that you are enrolled in the Renova Debt Relief program, you will begin making monthly payments into an FDIC-insured account. These payments are determined during your initial call and should fit within your budget. However, you are certainly able to change the amount at any point.

Additionally, these payments do not include any interest. Every cent that you contribute will be going towards repaying your debt.

As your funds build, our negotiators will be able to tell the right time to settle with your creditors. You can rest assured knowing that you will have a professional on your team every step of the way.

Let us handle negotiating with your creditors

Settling debt is a business of timing and knowing when to negotiate or when to settle. When it comes to this skill, our representatives are the best in the industry. What we understand is that creditors are just as anxious to get their unsecured debts resolved as you are. Every day that they wait before settling means one day that they aren’t making money off of interest.

Our representatives use this information to get you the lowest possible settlement in the quickest amount of time. Don’t worry, we will always check with you before anything is finalized.

Regain control over your finances!

At Renova Debt Relief, we make sure that our clients are involved throughout the entire process. Sometimes we will settle a debt in full (if we are satisfied with the price) and other times we may ask for a monthly arrangement. Either way, you will be the first to know and will be consulted before any decisions are made.


We have saved hundreds of clients from over $80 million in unsecured debt.

You can still get your finances back on track. We can help you do that with debt relief advisors that are result-driven and debt relief programs that are well-fitted for your situation.

$ 0 Million

Saved clients over unsecured debt
Our process

With Renova, freedom from debt is easy!

Get your free debt evaluation

Schedule a call with one of our agents so we’re able to get a good understanding of your needs. From there, we’ll be able to use our experience with past clients to recommend the best options for you.

Negotiate your settlement

If debt settlement is the best option for you and you’ve chosen to move forward, the next step is finding a company to negotiate on your behalf. There are tons of great companies to choose from that can do an amazing job of negotiating with your lender. The negotiation process usually takes a few weeks to a few months.

Get debt-free!

Once the negotiations are complete, you’ll just have to pay the agreed-upon amount and you’ll finally be free of your debt! Then you’ll be free to shift your focus to other areas in your life.

Enjoy a debt-free life with our debt relief program that works.

  • Good credit not required

  • One low monthly program payment

  • No Upfront Settlement Fees


Success Rate
Get Debt Relief

Types of debt that we help with

We can help with unsecured debts, including:

  • Credit card debt
  • Medical debt
  • Personal loan debt
  • Department store credit debt

Debt relief can't help with these types of debts:

  • Federal student loan debt
  • Mortgages
  • Auto loans
  • Utility bills
  • Taxes
  • Lawsuits
Why us?

Why choose us?

We understand your needs

Having literally worked countless thousands of debt relief clients, there just isn't a situation that surprises us. Let us use the experience we have from helping other clients to help you be debt free in as little as two years.

save-money (2)
We help you save money

Using debt settlement, you’ll be able to save an incredible amount that you would otherwise be going towards paying off your debt. Choosing to settle your debt can help you start putting money towards more important things in your life.

We support your success

There is nothing more rewarding to us than seeing another one of our clients escape their debt and finally get debt-free. For us, that’s the best part of the job!

Client Feedback

Client Opinion & Reviews

Happy clients! This is why we do what we do.


“I had never heard of debt settlement before coming across Renova Debt Relief but thank god that I did. They were able to answer my questions incredibly thoroughly as well as direct me to a great settlement company. It really worked out great that I came across.”

Charles Clarkson
Kansas City, Missouri
review (8)

“I was a little nervous to get started but decided to give them a call anyway. Their specialists were incredibly helpful and really made me feel confident that debt settlement was going to be the best option for me. I first called them 6 months ago and I’m in such a better place now!”

Rachel Young
Stockton, California
review (7)

“Up until finding Renova Debt Relief, my husband and I were considering just declaring bankruptcy. The specialist that we talked with raised a lot of good points though (mainly that bankruptcy would make it harder for us to send out kids to college in a few years). I’m so happy that we stumbled on Renova.”

Sonia Baker
Moorestown, New Jersey
review (6)

“We were getting desperate until we found Renova Debt Relief. We had no idea where we could turn to get out of the debt that we got stuck in and were starting to lose hope. Luckily, they thoroughly detailed the different options we had and ended up saving us thousands of dollars after our settlement was finalized."

Katherine Stevens
Portland, Oregon
review (5)

“I had no idea what my options were prior to coming across Renova Debt Relief. I didn’t even know that debt consolidation or settlement were viable options because I had never studied finance in school. I’m so happy that I found them.”

Wanda Alsop
Phoenix, Arizona
review (1)

“Getting into debt can be a really hard cycle and my husband and I have always tried our best to be responsible. However, sometimes things just get out of control. We were so relieved to hear that even though we had gotten behind the 8-ball that we still had options. Thank you so much Renova Debt Relief.”

Richard Tucker
Jersey City, New Jersey
review (10)

“2020 has been such a rough year financially for me due to all of the craziness this year has brought. I was sure that I wasn’t the only one who was struggling. That turned out to be true when I found Renova Debt Relief and they told me a few other client stories. Thank you so much Renova for all the work you guys do!”

Gavin White
Raleigh, North Carolina
review (3)

“I have struggled with debt ever since I was a student (I graduated with 6-figure student loan debt) and the tough times finally caught up with me. Luckily, the associates at Renova Debt Relief helped explain the concept of debt settlement and ended up saving me thousands of dollars as well as my credit,”

Joe Wright
Kalispell, Montana
review (4)

“I knew that my wife and kids were sharing in my stress after getting laid off earlier this year and I hated that feeling. We had bills coming due that we weren’t going to meet and I had no idea what I was going to do. By the grace of God, I found Renova Debt Relief and was able to get help! Thank you so much.”

Penelope Vaughan
Tulsa, Oklahoma
review (9)

“I can’t stress enough how helpful the people at Renova Debt Relief. This industry (lending/banking) has always confused me and I feel like it’s deliberately made confusing to take advantage of people. Renova Debt Relief helped me navigate these waters and I would recommend them to anyone who feels like I do.

Steven Metcalfe
Memphis Tennessee


Happy Clients