Debt relief · $10,000 minimum

See a clear way out of
$10,000+ in debt.

Sight helps you resolve credit card and other unsecured debt through one transparent program, with every negotiation, balance, and timeline in plain view. No loan required.

No credit impact to check Licensed, dedicated advisors No upfront fees
Checking your options takes about 2 minutes and won't affect your credit score.
Step 1 of 3
2 min
How much debt do you have?
Sight's programs are built for $10,000 or more in unsecured debt. Below that, a nonprofit credit counselor (NFCC.org) may be a better fit. We'd rather point you to the right help than the wrong program.
What kind of debt are you carrying?
Select at least one to continue.
Where should your advisor reach you?
Enter a valid email.
Enter a valid phone number.
Enter your date of birth (must be 18+).
Used only to verify your identity and match your accounts. Encrypted and never sold.
Please agree to be contacted so an advisor can reach you.
Your information is encrypted and never sold.
Your request is registered.

A licensed advisor will call you shortly to walk through your options, no obligation. Prefer to talk now?

Call (888) 404-8613
Settlement outcomes vary by creditor and account.
$10k+Minimum enrolled debt to qualify
~2 minTo check your options online
$0Upfront. You pay nothing until a debt is settled
OneMonthly program payment, not many bills
How it works

Three steps, start to resolution.

A structured path forward. You always know where you stand and what comes next.

STEP 01

See if you qualify

Answer a few questions about your debt. It takes about two minutes and never affects your credit score. If a program isn't right for you, we'll say so.

STEP 02

Build your program

A licensed advisor reviews your accounts and designs one affordable monthly program payment set aside in an account you control. No new loan, no hidden fees.

STEP 03

Resolve, account by account

We negotiate with your creditors to settle enrolled balances for less than you owe, and you watch each one resolve in real time until you're debt-free.

Why Sight

Nothing hidden. Everything registered.

The whole point of Sight is that you can always see where you stand: no surprise fees, no vague "great news," just clear, measurable progress.

One monthly program

Many balances become a single, affordable monthly payment, set aside in an FDIC-insured account that stays in your name.

Balances negotiated down

Experienced negotiators work to settle your enrolled debts for less than the full amount owed. What we settle for, you see.

Every update visible

Track settled accounts, remaining balances, and your timeline to completion in real time. No hidden fees, ever.

Real human advisors

A dedicated, licensed advisor you can actually reach by phone. Direct communication, never automated distance.

The math

What paying only the minimum really costs.

On a $20,000 balance at 22% APR, the interest outruns your minimum payment. This is the math a program is built to break.

Paying only the minimum
30+ years
to clear the balance on your own
Interest paid over time$35,600
Total repaid$55,600
On an original balance of$20,000
With a Sight program
12 to 54 months
typical time to resolution
Monthly paymentsOne
Paid upfront$0
Enrolled balancesNegotiated down

Illustration only: $20,000 balance, 22% APR, standard minimum payment (interest plus 1% of principal). A Sight program is not a loan and adds no new interest. Actual rates, terms, timelines, and results vary by individual and by creditor, and are not guaranteed.

Who qualifies

Built for $10,000+ in unsecured debt.

$10,000 or more in unsecured debtThe program is designed for meaningful balances, not small ones.
Credit cards, personal loans, medical bills, collectionsMost unsecured debt can be enrolled.
Struggling to keep up with minimum paymentsIf the balances aren't going down, a program may help.
Not for secured or federal student debtMortgages, auto loans, and federal student loans can't be enrolled.
Illustrative example
Program progressLive
$11,240 resolved of $21,600
Crestline FinancialSettled · $0
Vantage Retail CreditIn progress
Meridian Card ServicesIn negotiation
Example for illustration only. Settlement outcomes vary by creditor and account. Timelines are estimates, not guarantees.
In their words

Progress people can see.

Real programs, real timelines. Individual results vary by creditor and account.

★★★★★

"For the first time in years I could actually see my balances going down instead of up. No surprises, no pressure, just a plan I understood."

M. AlvarezEnrolled program · placeholder
★★★★★

"My advisor picked up the phone every time. They told me exactly what a settlement would look like before I committed to anything."

D. ChenEnrolled program · placeholder
★★★★★

"One payment instead of five due dates I kept missing. Watching each account settle kept me going all the way through."

S. OkaforEnrolled program · placeholder
Answers

Questions people ask first.

No. Seeing whether you qualify is a soft inquiry that does not affect your credit score. If you later choose to enroll in a program and stop paying certain creditors as part of it, that can affect your credit. Your advisor will explain exactly what to expect before you decide anything.

There are no upfront fees. You pay nothing until a debt is actually settled, and any fee is a percentage of the enrolled debt disclosed to you in writing before you agree. Checking your options is always free.

No. Sight is not a lender. Instead of borrowing more, you make one monthly deposit into an account you control while we negotiate to reduce your enrolled balances. Nothing new is added to what you owe.

Most programs run somewhere between 24 and 48 months, depending on your total debt and how much you can set aside each month. Your advisor will give you an estimated timeline (an estimate, not a guarantee) based on your specific accounts.

Unsecured debt such as credit cards, personal loans, medical bills, and accounts in collections. Secured debts like mortgages and auto loans, and federal student loans, generally cannot be enrolled.

Yes. Your information is encrypted in transit, used only to review your options and contact you, and never sold to third parties.

Takes about 2 minutes

See where you stand. Clearly.

Find out what resolving your debt could look like. No credit impact, no obligation, no pressure.

Check my eligibility
Or call (888) 404-8613 to speak with a licensed advisor.