Keep More Money in Your Pocket

$20,000+ in Debt? See How Much You Could Save With Debt Relief

Reduce payments by 40% or more.

Programs available for most credit scores.

No fees without results.

Pre-Aproval Check

How much unsecured debt do you have?

$25,000

Risk-free

Non-binding

What Debts Are Eligible for Relief?

Credit Card Debt

Credit card balances from major banks, retail stores, and credit unions with high interest rates.

Personal Loans

Unsecured loans from banks, credit unions, or online lenders not backed by collateral.

Payday / High Interest Loans

Loans with above-average rates making your monthly payments higher than necessary.

Non-Federal Student Loans

Private student loans from banks or lending institutions (excluding government-backed federal loans).

Collections Accounts

Recently transferred accounts to collections within the past 6 months from unpaid unsecured debts.

Auto Deficiencies/Leases

Remaining balances on repossessed vehicles or lease termination fees after vehicle sale.

Simplify Your Finances in Minutes - With 3 Easy Steps

1

Step one

Pre-approval check

Before we can connect you with the best debt partner, we need to verify your eligibility and gather some information about your current financial situation.

2

Step two

Get connected

With your provided details, we'll explore all of your potential debt partners, matching you with the best possible option to maximize your financial relief.

3

Step three

Instant support

After connecting with your chosen partner, they'll develop a personalized payment plan to help resolve your unsecured debts.

With your approval, this plan will be activated swiftly, freeing you from debt stress and making way for a brighter future.

Trusted by many

We've already helped
100,000+ people

Join the growing community of people who have
transformed their lives with ZeroBill.

"An Amazing Service!"

“I stumbled upon ZeroBill during one of the toughest times in my financial life. I was drowning in debt and had no idea which way to turn. The platform broke things down in plain English and connected me with a program that’s set to cut nearly $47,000 off my total debt. Talking to their team was like a breath of fresh air—they were calm, kind, and made sure I fully understood my options. For the first time in years, I actually feel like there’s light at the end of the tunnel.”

— Laura M., Tampa, FL

“Exactly What I Needed!”

“ZeroBill changed everything for me. I was stuck paying outrageous interest rates on multiple credit cards and losing sleep every night. Within days, I had options I didn’t even know existed. I ended up locking in a plan that slashed years off my repayment timeline and is saving me about $39,000 overall. The best part? I finally feel like my family’s future isn’t at risk because of my mistakes. That peace of mind is priceless.”

— Daniel R., Phoenix, AZ

“A Lifeline for My Finances!”

“I felt like I was spinning my wheels—making payments on my debts but never getting ahead. When I tried ZeroBill, everything shifted. They instantly matched me with a partner who laid out all my choices, and I moved forward with a solution that reduced my total debt by more than $58,000. My stress levels are down, and I actually feel like I’m in control again. I can’t thank them enough.”

— Michelle K., Charlotte, NC

Why choose ZeroBill?

The quickest way to take control

Top rated debt partners

We work exclusively with industry-leading debt specialists known for their reliability and stellar track record. Each expert brings extensive experience and a dedication to your financial well-being, ensuring you receive top-notch service and effective results.

Personalized support

Working with your debt partner, you’ll get access to a fully customized payment plan designed to support your unique financial situation. This plan will focus on your specific needs and goals, providing a targeted approach to reducing your debt both now and in the future.

Instant financial relief

Once you approve your payment plan, you'll experience immediate financial relief. Your consolidated payments will be activated, easing your monthly burden, and you’ll be on a new, exciting path toward financial stability.

Complete control

The best part about working with ZeroBill is that you get to take back control. Not only will you have reduced monthly payments, but you'll also have a clear, manageable payment structure that puts you in charge of your finances.

Frequently Asked Questions

Debt consolidation is the process of combining multiple debts into a simple solution, transforming them into one payment plan. In doing so, you can simplify debt management, reduce monthly payments, and lower your interest rates.

Unsecured debt is a type of debt that isn't backed by collateral, such as credit card payments, medical bills, or student loans. If you fail to pay these debts, the lender cannot take your possessions to recover the money.

Some partners require fair credit and a stable income, and others don’t. We can help you explore all options. Doing this will increase your chance of getting funded, but won’t influence your credit score.

Most people will experience relief with their upcoming monthly payment. Sometimes the process takes longer, but it depends on the debt partner.

It varies based on your individual circumstances and preferences. Your debt partner will tailor a solution that fits your financial situation and income.

ZeroBill. ZeroBull.

We ♥ To Save You Money!

Get immediate financial relief

$20,000+ in debt?
Explore your options today!

What Type of Debt Do You Have? (select all that apply)

Credit Card Debt

Student Loan Debt

Mortgage Debt

Auto Loan Debt

Medical Debt

Personal Loan Debt

Tax Debt

Other Debt

What's Your Main Goal Right Now?

Reduce interest rates

Become debt-free

Lower monthly payment

Not sure

Are You Currently Enrolled In a Debt Program?

No, I am not

Yes, I am

Not sure

What Is Your Annual Income?

Under $30,000

$30,000 to $100,000

Over $100,000

Analyzing Eligibility...

Let's get to know you...

We will securely access your credit information to get your options. This will not impact your credit score.

To verify your identity, we will be sending a one-time passcode to your mobile phone.

Date of Birth

Mobile Phone Number

Email Address

By clicking on the "Continue" button above, you consent to receive automated phone calls or text messages, made by or on behalf of ZeroBill.com and partners to the phone number provided above. Your consent is not a condition of any purchase of any goods or services. Furthermore, you agree to the Spinwheel End User Agreement and are providing "written instructions" to Spinwheel Solutions, Inc. authorizing it to obtain your credit profile from any consumer reporting agency.

Let's Verify Your Identity! Please Enter the Code Texted to Your Phone

This exclusive relief program is only available for Americans. To verify your identity and ensure you're eligible please enter the code below.

Verification Code

Searching for the best option in Ohio

Great news - we found a match!

We have been able to secure help for your entire balance of .

Your Verified Information

Name:

Email:

Phone:

Zip Code:

Your Debt

Your Relief Available:

Your Credit Score:

Expect a call from us shortly to answer any questions you may have and to finalize your debt relief offer.

Your Match:

Please Be Near Your Phone, Dialing Now...

Frequently Asked Questions

: A friendly representative will confirm, your information, review your situation and explain your relief options. There's no pressure, it's completely free and it only takes about 1-2 minutes.
: This program has no effect on your credit score and you do not have to do anything that will jeopardize your credit or credit report! There is also no cost to you in order to utilize your debt relief options.
: This is not a loan or bankruptcy. We work with your creditors to help you reduce or eliminate debt through legal programs or negotiations.
: Yes. In fact, many of the people we help are already late or struggling with minimum payments.
: Absolutely. Your information is 100% secure and private.
: We can assist with credit cards, personal loans, medical bills, and more — basically any unsecured debt.
: Unfortunately, if you are unable to speak on the phone we will have to cancel your application. Due to the immense popularity of this program, we must speak with every applicant to confirm their identity and reduce fake or fraudulent submissions.