Unsecured debt relief & lending
Most companies sell one answer. We compare a consolidation loan and debt relief side by side—then put the recommendation and every tradeoff in writing.
The two paths
A consolidation loan combines balances into one payment. Debt relief works to negotiate eligible balances. We'll help you understand which path may fit your situation.
Best when your income and credit are strong enough
One fixed-rate loan pays off your cards, leaving one payment and a clear finish line.
Designed for qualifying financial hardship
Balances are negotiated while you deposit into a dedicated account over time.
Each option has different eligibility requirements, costs, timelines, and potential credit considerations. Your advisor will review the details with you before enrollment.
Not sure which side you're on? That's exactly what the assessment is for.
Compare my optionsHow it works
What you owe, roughly what you earn, and whether you're current or behind. Two minutes online, or by phone.
The best-fitting path, its costs, credit impact, and what happens if you do nothing—plainly explained.
Move forward and we handle the paperwork. Walk away and nothing has happened to your credit.
Why Golden Rise
Every financial situation is different. We take the time to understand your balances, income, and goals before helping you explore the options that may be available.
“The recommendation should fit your numbers—not the product someone needs to sell.”
We look at your balances, income, and goals before talking about any direction — including options outside what we offer, like speaking with an attorney or credit counselor when that fits better.
We walk through consolidation loans and debt relief programs side by side, including costs, timeline, and what to expect at each stage.
There's no obligation to move forward. Take the information, ask questions, and decide when you're ready.
Common questions
No. The initial assessment does not require a hard credit inquiry. If a lending option later requires one, we will tell you before it happens.
The assessment is free. Loan costs depend on the approved rate and term. Debt relief fees range from 15% to 25% of enrolled debt and are explained before enrollment.
We generally work with $10,000–$100,000 in unsecured debt, including credit cards, personal loans, medical bills, and collections.
Golden Rise Capital, LLC is a licensed lender and also administers debt relief programs directly. We show both paths so you can compare the consequences.
Products and terms are not available in every state. Availability is confirmed during the assessment before you make a decision.
No pressure. Just clarity.
About two minutes · No credit impact · No obligation