Trusted by 50,000+ Americans

Take Back Control of Your Financial Future

Financial Renewal Group specializes in debt consolidation, credit card relief, and personalized debt solutions — helping you achieve lasting financial freedom.

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Free consultation
FDIC-accredited advisors
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Estimated Monthly Savings
$312
Based on our average client results
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$0M+
Debt Resolved
0K+
Clients Helped
A+
BBB Rating
0+
Years of Experience
0%
Client Satisfaction
Our Services

Comprehensive Debt Relief Solutions

From crushing credit card balances to overwhelming loans, we have a proven strategy for every financial challenge you face.

Debt Consolidation

Combine multiple debts into one simple, lower monthly payment. Stop juggling due dates and cut down your interest rate significantly.

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Credit Card Debt Relief

Drowning in high-interest credit card balances? Our specialists negotiate directly with lenders to slash your rates and payoff timeline.

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Debt Settlement

We negotiate with creditors to settle your debt for less than you owe — sometimes as little as 40–60 cents on the dollar.

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Credit Counseling

One-on-one sessions with certified financial counselors who create a personalized roadmap to help you escape debt and build stability.

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Credit Score Restoration

Rebuild and protect your credit score with our step-by-step credit repair program — dispute errors, boost your profile, reclaim your future.

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Bankruptcy Alternatives

Before filing for bankruptcy, explore powerful alternatives that protect your assets and credit, while giving you breathing room to recover.

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Process

From Debt to Freedom in 3 Steps

Our streamlined process takes the guesswork out of debt relief, so you can focus on what matters — living debt-free.

1

Free Analysis

Complete our no-obligation form. A certified debt advisor reviews your full financial picture within 24 hours — at zero cost to you.

2

Custom Plan

We build a tailored debt relief strategy: negotiating with creditors, consolidating payments, and securing the best terms on your behalf.

3

Financial Freedom

Make one simplified payment each month. Watch your debt shrink, your credit score rise, and your financial confidence return.

Financial advisor helping a couple review their debt relief plan
$312
Avg. monthly savings
4.9 / 5
Average client rating
Why Choose Us

Your Financial Comeback Starts Here

We've spent 15+ years helping Americans just like you turn impossible debt situations into success stories. Here's what sets us apart.

No Hidden Fees — Ever

We operate on a performance-based model. You only pay when we successfully reduce or settle your debt. No surprises.

AFCC & IAPDA Certified

All our debt counselors hold certifications from leading accreditation bodies, ensuring you receive expert, ethical guidance.

Dedicated Personal Advisor

You're assigned one specialist from day one — not a rotating call center. One person who knows your case inside and out.

Results in as Little as 24–48 Months

Most clients complete their program and are completely debt-free within 2–4 years — far faster than minimum payments alone.

Client Stories

Real People. Real Results.

Don't just take our word for it — hear from the thousands who've already renewed their financial lives with us.

★★★★★
4.9 / 5.0 Google Reviews — 3,200+
★★★★★
4.8 / 5.0 Trustpilot — 2,800+
★★★★★
A+ Rating Better Business Bureau
★★★★★

"I had over $47,000 in credit card debt and was barely making minimum payments. Financial Renewal Group reduced it to $22,000 and set me up with one simple payment. I literally cried when I saw the new number."

MR
Maria R.
Phoenix, AZ
Saved $25,000
★★★★★

"Three credit cards, two personal loans. I didn't know where to start. My advisor at FRG took over all the negotiating and within 6 weeks I had a single monthly payment that was $380 less than what I was paying before."

DJ
Daniel J.
Houston, TX
$380/mo in savings
★★★★★

"I was skeptical at first. But they explained everything, never pressured me, and actually delivered. My debt is down 52%, I'm no longer getting collection calls, and my credit score went from 520 to 680 in 18 months."

SK
Sandra K.
Chicago, IL
+160 credit score pts
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You Don't Have to Face Debt Alone

Join 50,000+ Americans who chose a smarter path to financial freedom. Your free consultation takes less than 10 minutes.

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FAQ

Questions About Debt Relief

We believe transparency is the foundation of trust. Here are the answers to the most common questions our clients ask before getting started.

Still have questions?

How does debt consolidation actually work?

Debt consolidation combines multiple debts — credit cards, medical bills, personal loans — into one single monthly payment. We negotiate with your creditors to lower your interest rate and create a manageable repayment plan. Instead of juggling 6 payments, you make 1. Most clients reduce their monthly outflow by 30–50%.
There may be a temporary dip when you first enroll in a debt relief program, especially with debt settlement. However, clients who complete our programs typically see significant credit score improvements — often 50 to 150+ points — within 12–24 months, as their debt-to-income ratio improves and on-time payment history builds.
We help with most unsecured debts including: credit card balances, personal loans, medical bills, department store cards, utility arrears, payday loans, and some private student loans. We do not handle mortgages or auto loans (secured debts), but we can refer you to appropriate specialists for those.
Program length depends on your total debt, income, and which solution you qualify for. Debt management plans typically run 36–60 months. Debt settlement programs often complete in 24–48 months. Many clients see meaningful results — lower payments, resolved accounts — within the first 6 months of enrollment.
No. Your initial consultation and debt analysis are completely free. For debt settlement, we only charge a fee after we successfully negotiate a settlement on your behalf and you approve it. We never collect money upfront — that's our commitment to you and a requirement of FTC regulations.
Debt consolidation combines your debts into a single payment — you still repay the full amount, but at a lower interest rate. Debt settlement involves negotiating with creditors to accept less than the full amount owed, often 40–60% of the balance. We'll help you understand which strategy makes more sense for your specific situation during your free consultation.
Get In Touch

Take the First Step Today

Complete the form or call us directly. A certified advisor will contact you within 24 hours with a personalized plan — no pressure, no obligation.

Email help@financialrenewalgroup.com
Headquarters 25-99 Gano St,
Cincinnati, OH 45202.
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