Your debt has an end date.
Reva negotiates down what you owe and rolls it into one affordable monthly deposit. No new loan, no upfront fees, no judgment — most members see daylight in 24–48 months.
$11,400 forgiven
−$612/mo
vs. minimum payments
Three steps back to breathing room
No portals to decipher, no fine print ambushes. A clear path, walked with a real human who knows your file.
Tell us what’s going on
A free, no-pressure call with a certified debt specialist. We listen first, then map every option you have — including the ones that aren’t ours.
Free · about 15 minutesGet a plan built around your budget
We design one affordable monthly deposit that funds your settlements. It goes into an FDIC-insured account that you own and control.
One monthly depositWe negotiate. You approve.
Our negotiators work your accounts down, one by one. Nothing settles without your explicit yes — and you watch every milestone in your dashboard.
You approve every settlement
See what your fresh start could look like
Drag the slider to your debt. We’ll show the road you’re on next to the road out — same debt, very different totals.
Keep paying minimums
50+ yrsestimated total you’d pay
at ~24% APR, interest keeps stacking while the balance barely moves.
With a Reva plan
debt-free in ~36 monthsone monthly deposit
estimated total cost
Estimates are illustrations, not promises. Savings figures reflect members who completed their programs and settled all enrolled debt; results vary by creditor, balance, and how long you stay with your plan. Minimum-payment figures assume a 2.5% minimum and no new spending. Debt resolution can negatively affect your credit, and not all clients complete their programs.
Built around your interests, not ours
Every part of the program is designed so it only works when it works for you. No upfront fees, no surprises, no fine-print ambushes.
- $0
- upfront fees, ever
- 0%
- of settlements need your approval
- 0–48 mo
- typical path to debt-free
- 0
- simple monthly deposit
Program estimates are illustrative and not a guarantee. Individual results are not typical and will vary.
The stories that keep us going
Debt is heavy. Listen to people who set it down — in their own words, with their real numbers.
My restaurant didn’t survive 2023; the loans I’d personally guaranteed almost took me with it. Everyone else offered me another loan. Reva offered me a way to owe less. I checked the dedicated account obsessively at first — every dollar was always exactly where they said it would be.
I’m 64 and I was looking at carrying card debt into retirement. Fourteen months. That’s all it took to clear what I’d been dragging around for a decade. I wish I’d called ten years sooner instead of being too proud.
Cancer treatment saved my life and wrecked my finances — $54,000 across hospital bills and the cards that filled the gaps. Reva’s team treated me with more gentleness than some of my own family did. Forty-one months later, I owe no one anything.
What sold me was that they talked me OUT of enrolling one account — said I could handle it cheaper on my own. Who does that? The rest they negotiated down while I made one payment I could actually afford on a teacher’s salary.
The divorce left me with debts on a single income, and the minimums alone were $900 a month. Reva cut my monthly outflow nearly in half from day one. When the first creditor agreed to settle for 55 cents on the dollar, I finally believed it was real.
The night before my first call I was hiding envelopes in a kitchen drawer. Two years later I watched the last settlement clear from my phone at my daughter’s soccer practice. I slept through the night for the first time in years — that’s what I actually bought here.
After James’s back surgery the cards kept us afloat, and then they became the thing drowning us. Reva never once made us feel like we’d failed. One deposit instead of nine due dates — our marriage got easier the same month our money did.
I’m a nurse. I take care of everyone else, and I was too embarrassed to ask anyone to take care of me. My specialist Dana walked me through every settlement before I said yes to anything. Eighteen-thousand-and-change, gone in under two years.
Stories shared with permission. Individual results are not typical and will vary.
Asked every day, answered honestly
The things people actually want to know — including the uncomfortable parts most companies bury.
Still wondering about something?
Real people, real answers — no scripts, no pressure. Reach out and we’ll walk through your options together.
Reva is a debt resolution company. Instead of lending you more money, we negotiate with our partners directly with your creditors to reduce what you owe, then bundle everything into one monthly program deposit that fits your budget. As each account settles — always with your approval — it gets paid from funds you saved, and you move one step closer to done.
A consolidation loan swaps many payments for one new loan — you still repay 100% of what you owe, plus interest, and approval depends on your credit score. Debt resolution works differently: we negotiate to reduce the balances themselves, there is no new loan, and there is no minimum credit score to get started. For people already behind on payments, resolution is often the more realistic path.
Fair question — this industry has earned the skepticism. A few things we promise and put in writing: you never pay a fee until a debt is actually settled and you approve the deal; your program funds sit in an FDIC-insured dedicated account that you own and control; and our negotiators are certified. We will also tell you honestly if our program is not the right fit for your situation.
Most unsecured debts qualify, including:
- Credit cards and store charge cards
- Personal loans and lines of credit
- Medical bills
- Collections and repossession balances
- Some private student loans
Secured debts like mortgages and auto loans don’t qualify, and neither do federal student loans, child support, or tax debt.
Our program is designed for people with at least $7,500 in unsecured debt who are dealing with a genuine financial hardship — a job loss, medical event, divorce, or simply interest that has outrun the paycheck. If you are below that line, your consultation still ends with a plan: we’ll point you to options that fit better, even when they aren’t ours.
One deposit, once a month, into a dedicated savings account in your name. While that balance grows, our negotiators work your accounts — typically starting with the ones that will settle for the deepest reductions. When a creditor agrees to terms, we bring the deal to you. You approve it (or don’t), the settlement is paid from your account, and we move to the next one. You can watch every dollar move in your Reva dashboard.
From the Learning Center
Plain-English guides on debt, credit, and building a calmer financial life.
Five Small Systems That End Statement-to-Statement Living
Not a money makeover — just five quiet systems that put a little air back in the month, starting this week.
Read article
From $38,000 to Free: How One Family Found Daylight
Two incomes, three kids, one stack of statements nobody wanted to open. A member-story composite of how the program actually feels from the inside.
Read article
Charge-Offs, Collections, and Other Scary Words, Explained Gently
The vocabulary of falling behind is designed to frighten you. A plain-English glossary of what each term means — and what it doesn’t.
Read articleReady to feel lighter?
It starts with one free call. Fifteen minutes, zero pressure, and you’ll leave knowing every option you have.
- Free consultation
- No upfront fees
- No credit impact to check