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Zero Sales Tactics

All Relief Options

Your Needs Met

We help with debt from thousands of creditors, including these companies:

John Simon Financial is not affiliated with, endorsed by, or sponsored by any of the companies shown. All trademarks, logos, and brand names are the property of their respective owners and are used for identification purposes only.

Amount of Credit Card & Personal Loan Debt

$20,000

First Name *

Last Name *

Zipcode *

Phone *

Email *

Authorization

By checking this box, I provide my signed express prior written consent to allow John Simon Financial and its Marketing Partners to contact me via phone, text, graphic, or image messages, or other electronic communication forms (including marketing calls and messages through autodialing, graphic, text, and pre-recorded messaging, AI generative voice, SMS, MMS, and E-mail), even if my telephone number is currently listed on any state or federal Do-Not-Call list. I understand consent is not required to purchase services. Msg. and data rates may apply. I may opt out at any time by texting STOP.

Already Looking at One of These Companies?

We'll help you compare their program against all your options — free, no strings.

Debt Settlement

Credit Counseling

Consolidation Loans

Compare My Options — Free

John Simon Financial is an independent company. The companies listed above are shown for comparison purposes only and are not affiliated with John Simon Financial.

Most Companies Only Have One Program — So That's What They Sell You

It doesn't matter if it's the best fit. It's the only thing they have to offer. Settlement companies push settlement. Loan companies push loans. Credit counselors push their plan. Nobody shows you the full picture.

Here's How I Do It Differently

I'm going to help you do all the research and crunch all the numbers. Then I'm going to lay everything out for you — every path, the pros and cons of each — so you can see the full picture and make your own decision.

I show you every option — settlement, debt management, consolidation, and bankruptcy — not just the one that pays me.

I do the research for you — I crunch the numbers, break down the costs, timelines, pros and cons, and give you the research so you have a full scope of all of your options and can make an educated decision.

You decide — I give you the full scope, and you make the call. If you need help deciding, I'll help you think through it. But the decision is always yours.

See How Much You Could Save

Drag the slider to your debt amount and compare your options side by side.

Total Unsecured Debt

$20,000

$1,000 $100,000

Minimum Payments Only

$750

Monthly Payment

$54,720

Total You'll Pay

16+ yrs

To Pay Off

Most Savings

Debt Settlement

$417

Est. Monthly Payment

Total Cost$15,000

You Save$15,000

Timeline24-48 mo

Credit ImpactNegative short-term

Fees15-25% of enrolled

Debt Management

$625

Est. Monthly Payment

Total Cost$30,000

Interest Saved$24,720

Timeline36-60 mo

Credit ImpactMinimal

Fees$25-50/mo

Consolidation Loan

$667

Est. Monthly Payment

Total Cost$32,000

Interest Saved$22,720

Timeline36-60 mo

Credit ImpactHard inquiry

Fees1-8% origination

Bankruptcy

$1,500-3,500

Attorney + Filing Fees

Debt Discharged$30,000

Monthly Payment$0 after filing

Timeline3-6 months

Credit ImpactSevere (7-10 yrs)

*Estimates based on industry averages. Actual results vary based on your creditors, balances, income, and financial situation. These are not guaranteed outcomes. A free consultation will give you numbers specific to your situation.

Get My Exact Numbers — Free

You Deserve Honest Advice, Not a Sales Pitch

I'll walk you through your options, answer your questions, and give you a clear picture of where you stand. No pressure. No games. Just guidance.

Get Help Now

or call 866-697-2194 right now