Find the right kind of help.
Official information and public-resource starting points. These are external resources, not SettleADebt partners or a provider match.
Court papers & legal help
Read the exact notice and seek help with the applicable response. This directory does not calculate a deadline.
Read CFPB guidanceLocal civil legal aid
LSC’s locator is a starting point for local civil legal-aid organizations. Availability and eligibility need to be checked with the organization.
Find legal aidHousing & mortgage
If mortgage payments become difficult, contact the servicer and a HUD-approved housing counselor early.
Mortgage optionsMedical bills
Check charges, coverage, financial assistance and payment options with the billing department.
Medical bill helpFederal student loans
Use current Federal Student Aid information and the official Repayment Calculator.
Federal repayment toolFederal taxes
IRS payment arrangements are a separate process from commercial credit-card settlement.
IRS payment optionsEssential expenses
Explore official assistance for food, housing, health care and other basic needs.
Official benefits resourcesGovernment offset notices
Use the referring or servicing agency identified for the debt; TOP does not accept debt payments.
Treasury offset guidanceBusiness / SBA loans
The loan program and current servicer determine the official servicing route.
SBA servicing routesLocal rules need local review.
State, tribal, territorial and court procedures can differ. Use the actual notice, your court’s public instructions and qualified local help. This site does not publish a state-by-state eligibility or legal-deadline determination.
Get help with your debt
Tell us what you owe and what kind of help you are looking for.