Ascend
Ascend became an expert in all your options to get out of debt, so you don’t have to be. And we do it all for free.
★★★★★ 5 stars based on 300+ reviews
Find your relief option in minutes.
No pressure. No sales pitch. No judgment.
Just honest results based on your situation.
A message from Ben
What to look out for
After years of helping people navigate debt, we’ve seen the same troubling patterns. Here’s what to know—and how Ascend takes a more transparent approach.
These are “pre-qualified” loan offers with 4–6% rates that usually lead to a debt settlement program pitch—not a loan. If it sounds too good to be true, it probably is.
We have no stakes in what option you choose. We will never try to sway you in one direction or another. We just offer an unbiased space to help you evaluate all paths available to you.
Most settlement companies charge about 25–30% of your enrolled debt. On $50,000, that’s up to $15,000 in fees alone. Many aren’t transparent about this upfront.
Our debt settlement partner, whom we’ve vetted personally, has fees that range from 10%–22% (18% average). That is about 7% below the market rate that other companies charge.
Forgiven debt is taxable income. Reps often fail to mention you’ll owe taxes on the amount your debt was reduced by.
We believe in transparency and honesty, and clearly list all pros and cons for you to review as you’re comparing your options to get out of debt.
Add-on “legal plans” don’t prevent lawsuits or wage garnishments. They typically only cover document preparation, not court filing fees or real defense.
Every debt relief option is drastically different, and unfortunately not all of them provide legal protection. We will not mislead you when it comes to which options actually offer legal protection.
"This felt like a miracle. For the first time in over 20 years, I finally have momentum to get debt free....there was no pressure. I didn't feel judged — just listened to and reassured."
"He literally took the time to break down our budget, our finances, see where we were at, and then he provided what options we had — which was phenomenal...You cannot go wrong. They are great people and there is zero judgment. They're just there to help you."
"It was not a scary process. It felt very personal and it felt like Justin really did care about helping me as a person as opposed to just selling me a product...Frankly, my life is in a much better place now having worked with them."
You may be similar to someone we recently helped where your situation is specific and personal, you can't find all the answers, and you feel companies are trying to sell you something
The free calculator tells you all about how much your option costs, the pros and cons of those options (including potential credit implications), and the duration.
Don't worry—you can have as much time as you'd like. 15 minutes is just where we like to start so we can discuss your situation.
There is no limit to the number of calls. Yes, they are always free.
We break down your situation and give you a full analysis from a soft credit report (optional, no credit impact)—completely fee free. No hidden fees, no obligations—just clear insights to help you make the best choice for your future.
We provide 100% free, unbiased calls — and as many as you need to feel confident about your options. Our goal is to help you compare every debt option clearly, without pressure.
If it makes sense during our conversation to connect you with one of our trusted partners for a free consultation, we may be compensated for that referral. That's what allows us to keep our calls completely free while still operating as a business.
To stay transparent, only 18.9% of people who've completed a form with us in 2024 have moved forward with a partner — so we're happy to help you either way.
We help you compare all debt options— in a way that's actually clear, honest, and tailored to your situation. No pressure. Just the tools and guidance you need to make the most informed decision.
Takes 1 - 2 Minutes
