Smaller balances
Good news: there is free help for this
Our partner programs start at about $4,000 of debt. For smaller balances, these free options often work better, and they cost you nothing.
Nonprofit credit counseling
A certified counselor reviews your budget with you, by phone or online, and may set up a plan that lowers interest rates. Find one near you through the National Foundation for Credit Counseling.
Call your card company
Ask for their “hardship program”. Many lower the interest rate or the monthly payment for a while if you explain what changed, such as a medical bill or a drop in income.
Know your rights
The Consumer Financial Protection Bureau explains how to deal with debt collectors, and what they are not allowed to do.
Upnova is not connected with the organizations above. If your total debt grows above $4,000, we would be glad to talk.