Let’s talk about what you owe — and how to make it smaller.
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Quick answers, zero pressure
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.