How Your Debt Relief Pal Works

(Brought to you by Ascend Finance)

We became experts in all your options to get out of debt, so you don't have to be.

And, we do it all, for free.

Read Our Mission

Step 1: You're stressed from debt.

Your situation is personal and unique. It can be tough to find the right answers, especially when it feels like companies want to sell you something.


Here are some reviews from our parent company: Ascend Finance

Step 2: You take a calculator

Our free calculator breaks down how much each option costs, the pros and cons (including any impact on your credit), and how long it might take.

Take Debt Relief Calculator

Step 3: You schedule a call to go through options.

Schedule Complimentary Evaluation with Ascend (parent entity)

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.

Step 4: Free analysis without ever paying us a dime.

How We Make Money

Your Debt Relief Pal is a website owned and operated by Ascend Finance.


Since we don't offer many services 'in-house,' we work with a reputable provider network that provides free evaluations to you but may compensate us for the connection.

And, only 18.9% of those who have taken one of our forms in 2024 to date have gotten connected with a service.

We would love to speak with you regardless.


We love this business model, as we can provide 100% free and unbiased calls as we work with a highly rated company for each option:

Step 5: Ascend Mission/Values

Our Mission/Values

Helping Americans get and stay out of debt cheaper, easier, and faster.

Our Story

As a young boy, I watched my family deal with a great deal of stress from unsecured debt. This forced us to live paycheck to paycheck. I didn't know how to deal with it. I put $10 I had earned from my paper route in an envelope and gave it to my mother, hoping it would bring relief; instead, it brought tears.

As I grew up, I mistakenly thought that I needed to become wealthy to prevent this from happening to my own family. I didn't focus on the root issue, which is that very few people learn how to save and spend money effectively. In addition to the lack of education, the taboo around 'money talk' and subsequent lack of conversations created strife in my personal relationships as a result of different expectations around money saving and spending. In order to tackle these issues, I realized the power of utilizing data to not only help people get out of debt, but also help them stay out of debt through money management techniques.

And so, Your Debt Relief Pal was built.

- Ben CEO of Ascend Finance

Schedule Free Evaluation