We negotiate with your creditors to settle credit card, medical and personal loan debt, and connect you with licensed attorneys and debt management partners when you need them.
From a stack of credit card bills to a summons in the mail, we handle the hard conversations and help you choose the right path.
Settle credit card, medical and personal loan debt for less than you owe. We negotiate with each creditor and bring every offer to you for approval.
Interest as low as 0% with major banks through a licensed partner, paid off in 60 months.
Learn moreErrors on your credit report or an abusive collector? Dispute it and enforce your rights.
Learn moreDon’t ignore it. Respond on time and look for a resolution before a judgment.
Learn moreSued by a creditor? Licensed partner attorneys can represent you.
Learn moreBehind on a business loan? We negotiate workable resolutions.
Learn moreWhen bankruptcy is the right path, our partner attorneys guide you.
Learn moreHospital bills and medical collections, checked for errors and negotiated down.
Learn moreA simple, transparent process. You’ll always know what we’re doing and why.
Tell us what you owe and what’s going on. We review your situation at no cost.
We explain every option honestly, including when another path is better for you.
We work with your creditors and collectors, and bring in partner attorneys when needed.
As each account is resolved, you move closer to being debt-free and back in control.
On average, the debts we settle are resolved for about 43% of the balance. Move the slider to see what that could mean for you, then use the full calculator for a closer estimate.
Based on our average settlement of about 43% of the enrolled balance. Results vary by creditor and how long each account has been past due. Excludes program fees and possible taxes on forgiven debt. Not a guarantee.
I’m so grateful to the team at TwoPointZero for helping me resolve a judgment against me. The process took several months, but they stayed on top of everything, checked in regularly, and kept me informed throughout. As of today, the judgment is resolved, and I feel such a weight lifted.
Wow… These folks really knocked it out of the park. I had an issue with a fraudulent claim on my credit report. Their legal team filed a successful lawsuit. A special shout out to Faigy and Moshe! I highly recommend.
TwoPointZero handled my debt from start to finish with real professionalism. Clear communication, no games, and they delivered exactly what they promised. If you need someone Heimish & reliable to negotiate your debt, they’re the team you want.
I’m so grateful to this great team, they delivered as promised. They were trustworthy, honest and upfront. Miri saved me thousands by settling my debt and gave me peace of mind. I’m thankful!
Had fraud on my report, they removed it. Smooth and efficient. Great service!
Two Point Zero provides outstanding debt relief assistance. They successfully negotiated a significant reduction in my interest rate, resulting in huge savings. Highly recommend!
We follow federal and New York consumer protection rules, and we explain the risks as clearly as the benefits.
Call or text (718) 287-1515, or message us on WhatsApp. We usually reply within 24 hours.
We work with licensed partner attorneys for lawsuits, credit report claims and bankruptcy.
Your consultation is free. Fees depend on the service and the amount of debt you enroll, and every cost is explained in writing before you sign anything.
It can. If you stop paying creditors while we negotiate, those accounts may fall behind and your score may drop for a while. We walk you through the trade-offs so you can decide with your eyes open.
Call us right away, because court deadlines are short. Our partner attorneys can review the summons and help you respond before a default judgment is entered.
It depends on how much you owe and what you can set aside each month. At your consultation we’ll give you a realistic timeline for your situation.
A short, free call can tell you where you stand. No pressure and no obligation.
