Unsecured debt is what most people carry—and what we specialize in solving. It’s any debt that isn’t tied to an asset, meaning there’s no car or home backing it up. Credit cards, payday loans, personal loans, and standard lines of credit all fall into this category.

Because there’s no collateral, unsecured debt often comes with higher interest rates and more pressure. But that’s exactly where we come in.

On the flip side, secured debts—like mortgages or car loans—are backed by something valuable. Sometimes, a line of credit may even be secured against your home (known as a HELOC).

At Xdebts, we focus on eliminating unsecured debt and giving you a fresh start. If you have secured debt and no longer want to keep the asset, we may still be able to help—just ask. We’re here to build a solution that works for your life.

The cost of settling your debt depends on a few key factors — like how much you owe, what you can afford to set aside each month, how quickly settlements can be negotiated, and the fees charged by the firm handling it.

At Xdebts, we focus on reducing your total debt as much as possible, while keeping your monthly program payments affordable. Every case is different, but our goal is always the same: help you become debt-free for a fraction of what you owe.

Nope — not even a little. A friendly chat with us won’t touch your credit score or leave any marks behind.

Think of it like asking for directions when you’re lost — it’s private, judgment-free, and just plain smart. We’re here to guide you, not judge you. And unless you tell someone, no one will ever know you reached out.

It’s your first step toward peace of mind — and it costs you nothing.

Starting your journey with us is simple. To open your file, we’ll just need:

✔️ Two pieces of ID
✔️ Your latest Notice of Assessment (NOA)

Want to speed things up? It helps (but isn’t required) if you also have:
– A recent pay stub
– Any collection letters or loan statements
– Latest Bank Statements

No stress if you don’t have it all — we’ll guide you every step of the way. You’re closer to financial relief than you think.

It typically takes about a few days to a week to get started. After your initial consultation, we’ll begin the process right away.

Most clients are surprised how quickly things start to change — and how fast the pressure begins to lift.

Sometimes debt sneaks up slowly — other times, it hits like a wave. If any of these sound like your reality, it might be time to take control:

• You avoid phone calls because you’re worried it’s a collection agency.

• Your paycheck’s being garnished and there’s nothing left for essentials.

• You borrow from friends or family just to get through the month.

• Creditors are threatening legal action, repossession, or collections.

• You play bill roulette — paying one this month and skipping another.

• Your stress about money is affecting your sleep, your job, or your family.

• You use credit cards for groceries, gas, or other basic needs.

• Minimum payments are the best you can do — and balances aren’t going down.

• Shut-off notices, overdue letters, or second warnings are piling up.

• A utility was disconnected due to unpaid bills.

• Over 20% of your take-home pay is swallowed by loan or credit payments.

• You’re juggling loans, searching for consolidation options, or relying on payday advances.

Sound familiar? These are signs you may be caught in a cycle of debt — but the cycle can be broken. At Xdebts, we’ve helped people rebuild from far worse. The key is taking the first step.