Our AI advisor analyzes your debt situation and connects you with the best relief options — free, confidential, and with no commitment required.
From credit card balances to unexpected medical bills, Clear Path connects you with the right solution for your specific situation.
High interest rates keeping you trapped in minimum payments? Many cardholders qualify for significant principal reduction through negotiated settlement.
Medical bills are the #1 cause of bankruptcy in America. Hospitals and providers routinely settle medical debt for far less than the stated amount owed.
Personal loan debt spiraling with high APRs? Consolidation, refinancing, and settlement options can dramatically reduce your total obligation.
Every state has a Statute of Limitations (SOL) on debt collection. After this period, collectors lose their right to sue you. Know yours.
Debt collectors cannot sue you after 3 years. NY also limits credit reporting of old debt. Strong FDCPA protections with private right of action.
California's Rosenthal Fair Debt Collection Act offers stronger consumer protections than federal law. Wage garnishment is capped at 25% of disposable earnings.
Texas prohibits wage garnishment for most consumer debts — creditors cannot garnish your paycheck. Homestead and personal property also heavily protected.
Florida's homestead exemption is unlimited — your primary residence is fully protected from most creditor claims. Strong asset protection for retirees.
Four simple steps from debt overwhelm to a clear, actionable plan — at zero cost to you.
Answer a few simple questions about your debt situation, income, and goals. No Social Security number. No hard credit pull. Just the basics.
Our AI advisor reviews your profile against hundreds of debt relief programs to identify your best available paths — ranked by projected outcome.
Receive an honest, clear breakdown of your relief options: settlement, consolidation, counseling, or other strategies specific to your state and situation.
Connect with a vetted, compliant debt relief provider and take the first concrete step toward financial freedom — on your timeline, no pressure.
Join thousands of Americans who've used Clear Path to understand their options and take back control of their finances.