For households
Consumer debt management
Credit cards, medical bills, personal loans and collections. We map the balances, compare the realistic options and help you choose a path you can sustain.
Explore consumer debt helpConsumer & business debt management
Debt down. Credit up. Cash flow forward.
Debtorfly helps people and small businesses organize debt, understand credit, and build a plan they can actually keep. No judgment, no miracle claims, no surprises in the fine print.
No upfront feesHuman advisorsConsumer & business
FreeFirst debt review
2Paths: consumer & business
5Steps from chaos to plan
0Judgment
Two problems, one method
Start where the pressure is.
Debt is rarely just a number. It is a set of deadlines, rates and decisions that crowd out everything else. We start with the pressure point, then build the plan around it.
For owners
Business debt relief
MCA remittances, term loans, lines of credit, equipment and tax debt. We protect the operating account while you restructure what can be restructured.
Explore business debt helpFor everyone
Credit information
Understand the score, the report and the levers that actually move them. Education first, so you can tell a real plan from a sales pitch.
Learn the credit systemHow it works
A plan you can explain to your family.
The first call is a review, not a sale. You leave with a clear picture even if you never become a client.
- 01
Free review
Bring the balances, rates, income and deadlines. We build a snapshot of what is actually owed and what is actually available.
- 02
Options, compared
Debt management, consolidation, balance transfer, settlement or a harder conversation about bankruptcy — with the trade-offs written down.
- 03
A written plan
One page: the target payment, the timeline, the creditor actions and the cash-flow guardrails.
- 04
Do the work
We negotiate with creditors where appropriate, help you set up payments, and adjust the plan when life changes.
- 05
Rebuild credit
Once the pressure drops, we work on utilization, reporting accuracy and the habits that keep the score moving.
Free educationThe credit side
Your score is a system, not a verdict.
Most credit advice is either too vague to act on or designed to sell a product. We explain the five factors, show you the math on utilization, and give you a 90-day sequence that respects your budget.
- Payment history, utilization and the other three score factors
- How statement dates differ from due dates — and why it matters
- How to read a report and dispute an error without a credit-repair pitch
- A rebuild plan that does not require opening five new cards
Client stories
Real plans, not fairytales.
Names have been changed. Outcomes vary. These stories are about the decisions, not a promised result.
I had four cards, a medical bill and no idea which one to pay first. The first call gave me a one-page plan. I still use the same spreadsheet two years later.
The daily MCA payment was eating every deposit. We restructured the debt and built a 13-week cash flow before we spent a dollar on growth. That changed the business.
FAQ
The questions people actually ask.
Is the first review really free?
Yes. The first review is a structured conversation and a snapshot of your situation. You are not obligated to enroll in anything.
Will this hurt my credit score?
A debt management plan can affect credit depending on how creditors report it. A consolidation loan involves a hard inquiry. We explain the likely reporting impact before you choose a path; we do not promise a score increase.
Do you lend money?
No. Debtorfly is not a lender. We help you understand options, negotiate with creditors where appropriate and build a plan. If a consolidation loan is the right tool, we help you compare offers from third parties.
Can you help with business debt?
Yes. We work with sole proprietors and small businesses on MCA remittances, term loans, lines of credit, equipment debt, vendor terms and cash-flow forecasting.
What if bankruptcy is the right answer?
Then we say so. Bankruptcy is a legal process and we are not a law firm. We can explain how it differs from debt management and refer you to a licensed attorney for advice.
Start here
A free review. A written plan. No pitch.
Bring the real numbers. We will tell you what we would do in your position — including when the answer is not us.