See my options
No calls · No pressure · No commitment

Find out if debt relief actually makes sense — before you talk to anyone.

A simple, private process that shows you what your real options are. No salespeople. No 45-minute phone calls. No explaining your finances to a stranger.

See my options How it works ↓

Takes 2 minutes. No account needed. 100% free.

2 min to see your options
100% private — no calls
Free no account needed

The real reason you haven’t dealt with your debt yet

It’s not laziness. It’s that the process feels worse than the problem.

The usual way

  • ✗ Call a company and explain your entire financial life
  • ✗ Sit through a 45-minute sales pitch
  • ✗ Get pressured into signing up for something you don’t understand
  • ✗ End up on 10 different call lists
  • ✗ Still not sure if it was the right move

The Covian way

  • ✓ Answer a few simple questions privately
  • ✓ See your real options in under 2 minutes
  • ✓ Understand what each option actually means
  • ✓ Decide for yourself if relief makes sense
  • ✓ Only connect with someone if YOU choose to

How it works

Takes 2 minutes. You stay in control the entire time.

01

Tell us about your situation

Answer a few quick, private questions about your debt. No forms to print, no documents to upload, no account to create.

02

See what’s available to you

Based on your situation, we show you the debt relief options that actually apply to you — consolidation, settlement, management plans, or other paths. No jargon, no confusion.

03

Decide for yourself

You leave knowing whether debt relief makes sense for your situation. If you want to take action, we connect you with a vetted provider. If not, you walk away with zero obligation.

See my options

You don’t need someone to tell you debt is stressful.

You just need to see what your options actually are.

Credit card debt piling up

Minimum payments aren’t cutting it. Interest keeps growing. You need to know if consolidation or settlement could actually save you money.

Medical bills you can’t pay

One hospital visit shouldn’t ruin your life. There are specific options for medical debt that most people don’t know about. See yours.

Behind on payments

Collections calling. Late fees stacking. You need a clear path forward — not another lecture about budgeting. See what’s actually available to you.

Debt from a life change

Divorce. Job loss. A family emergency. Life happened. The debt piled up. This isn’t about blame — it’s about seeing your real options now.

See my options

No pressure. No tricks. Just clarity.

You shouldn’t need to hand over your phone number just to understand your own situation.

You decide — not us

We show you options. We never push you toward any decision. You choose what makes sense for your life.

Completely private

No one is watching. Explore your situation privately and at your own pace. Leave whenever you want.

Education, not a sales pitch

We help you understand what each option means in plain English. No fine print, no hidden agendas.

2 minutes, zero obligation

No account. No credit card. No follow-up calls unless you ask. You’re in control from start to finish.

Common questions

Does debt relief hurt your credit score?
It depends on the type of relief. Debt consolidation through a new loan can actually improve your score over time. Debt settlement programs typically lower your score temporarily. Bankruptcy has the biggest impact. Understanding your specific situation is the first step — which is exactly what this process helps you do.
How much debt do you need to qualify?
Most debt relief programs work with $10,000 or more in unsecured debt (credit cards, medical bills, personal loans). Some consolidation options are available for smaller amounts. This process helps you figure out which options apply to your specific amount.
Is this really free?
Yes. Completely free. No credit card. No hidden fees. We help you understand your options, and if you decide to connect with a debt relief provider, that’s your choice. We never charge you for anything.
Will this put me on a call list?
No. You only hear from someone if you explicitly choose to connect with a provider. We don’t sell your information or sign you up for anything without your clear, direct consent.
What types of debt does this cover?
Credit card debt, medical bills, personal loans, collections, and other unsecured debt. Mortgages and auto loans require different approaches, but this process helps you understand where you stand with unsecured debt specifically.

See your real debt relief options — privately.

No calls. No pressure. No commitment. Just clarity about what’s available to you.

See my options →

Takes 2 minutes. 100% free. No account needed.