Debt relief priced on what you save — not what you owe.
We charge 25% of the amount we actually save you2, and nothing until a debt settles1. Check your options in two minutes — no credit pull, and the state check comes before anything personal.
Minimum $7,500 in unsecured debt · 24–48 month programmes · Check availability in your state · How debt relief works
Check your options
Secured- Your goal
- Your state
- Contact
What are you working on?
Pick the closest fit. No personal details needed yet.
Meet McKenzie Adams
One team for your debt, your credit and your business
Every price is published, every service can be purchased online, and all pricing lives on one page. No “call us for pricing”, anywhere.
Settle what you owe
Resolve unsecured debt for less than the balance. Our fee is 25% of what you save — nothing on debts that don't settle.
Debt Relief →Fix your credit file
Statute-based disputes on ScoreGuard, from a $29/mo tri-merge audit to full concierge service.
Credit Health →Build your business
Free business credit snapshot, $0 formation plus the state fee, and credit building through to funding-ready.
Business Care →Get mortgage-ready
A 90-day credit sprint for $2,999 — three monthly progress payments, billed as the work is delivered, never at signup.
Mortgage Preparation →Everything in the open
A fee you can check with your own arithmetic
The fee
25% of the amount saved — nothing else
“Saved” means the balance owed at enrolment minus what is actually paid to settle, applied identically to every enrolled debt2. No enrolment fee, no monthly fee, no cancellation fee. The only other cost is your dedicated savings account — $9.95 setup, $9.95/month, paid to the bank at cost; it is your account and your money4.
When you pay
Only after a debt actually settles
A creditor agrees in writing, you approve the deal and make a payment under it — only then is our fee due, on that one debt. This ordering is federal law (16 C.F.R. §310.4) and it is enforced inside our billing system, not by staff discipline1.
The honest downside
Settlement has real costs — we say so
Your credit will likely be damaged during the programme, creditors may pursue collection or lawsuits, and balances can grow until a debt settles5. That is why every client starts with the free bankruptcy assessment — sometimes bankruptcy, or doing nothing, is the honest answer.
A real example3
- Owed at enrolment
- $25,000
- Settled for
- $12,175
- Saved
- $12,825
- Our fee (25% of savings)
- $3,208
- Client pays in total
- $15,383
At the industry’s typical 20% of enrolled balance, the fee would have been $5,000 instead of $3,208.
See the full per-debt breakdownIt’s time to prioritize your financial freedom.
We are committed to meeting your financial needs as your debt partner.
Simplified Process
A catered debt relief programme built around your finances — one plan, one fee tied to results, no surprises.
Experienced Staff
Our team comprises professionals who have worked in the debt relief industry for over 15 years.
Expert Negotiators
Skilled negotiators who secure debt resolutions from top-tier financial institutions across the USA.
24/7 Support
Our line is answered around the clock by Neria, our own AI receptionist — specialists join Mon–Fri 6am–6pm PT.
Industry Relationships
Established connections with creditors and lenders throughout the financial market.
100% Transparency
Published pricing, published state rules and public reviews — a trust and review system so you can verify us before making any financial decision.
By the numbers
Terms you can hold us to
- in advance fees — nothing before a debt settles, by law and by our billing system
- $0
- of the amount saved is our entire debt relief fee (15% in Illinois, the statutory cap)
- 25%
- minimum unsecured debt to enrol in Debt Relief
- $7,500
- months — the honest length of a debt relief programme
- 24–48
in advance fees — nothing before a debt settles, by law and by our billing system
of the amount saved is our entire debt relief fee (15% in Illinois, the statutory cap)
minimum unsecured debt to enrol in Debt Relief
months — the honest length of a debt relief programme
The reviews are in
Meet the people getting their finances back on their terms
Rated 5.0 across 32 reviews on Google. Read all 32 reviews
★★★★★
“Excellent service and extremely responsive and energetic team! My only issue was that I didn't work with them sooner. The McKenzie team are one of the most efficient companies in this business.”
Osun Realty
BAYO & MICHELLE
via Google
★★★★★
“This organization to me is an exemplary group of hardworking people with nothing but success in their minds to help their clients for a rewarding outcome. It simply just better the lives of their clients of which I am a beneficiary.”
Ademola S.
GOOGLE REVIEW
via Google
★★★★★
“This has been by far the best financial team service I have ever received, the team work and eagerness to make sure their customer gets the best is what I really Love about Mckenzie Adam!”
Adanna O.
GOOGLE REVIEW
via Google
★★★★★
“My experience was very good customer service and professionalism. They kept me involved for every step of my process so that was very comforting.”
Kien H.
GOOGLE LOCAL GUIDE
via Google
Frequently asked questions
How does McKenzie Adams charge for debt relief?
Our fee is 25% of the amount we actually save you — the balance you owed at enrolment minus what was actually paid to settle. If a debt is not settled, there is no fee on it. We charge no enrolment fee, no monthly programme fee and no cancellation fee. In Illinois the fee is 15% of savings, the statutory maximum.
Is the bankruptcy assessment really free?
Yes. The bankruptcy assessment is free, takes about 10 minutes and carries no obligation. It tells you whether bankruptcy, debt settlement or neither is likely to leave you better off, based on the numbers you provide.
Which states does McKenzie Adams serve?
Most services are available nationwide. Debt Relief is not available in New York, New Jersey, North Carolina, Georgia or Ohio, and our fee in Illinois is capped at 15% of savings by state law. The state availability page lists exactly what we can offer where you live.
When do I pay for debt relief?
Only after results, debt by debt. Federal law and our own billing system prevent any fee until a creditor has agreed in writing to settle a specific debt, you have made a payment under that agreement, and the fee is the agreed percentage of the saving on that debt.
What kinds of debt can be enrolled?
Unsecured debt: credit cards, store cards, personal loans, medical bills, collections, private student loans, lines of credit and unsecured business debt. Anything secured (a mortgage or auto loan), federal student loans, tax debt, child support, court fines and debts already in judgment cannot be enrolled.
How is debt settlement different from debt consolidation?
Consolidation replaces several debts with one new loan — you still repay the full balance, ideally at a lower rate. Settlement negotiates with creditors to accept less than the full balance as payment in full. Settlement usually saves more but damages your credit during the programme; consolidation preserves credit but saves less. The free assessment compares both for your numbers.
Is McKenzie Adams a law firm or a lender?
Neither — McKenzie Adams is not a law firm and does not provide legal advice, and we are not a bank or a lender. We do work with attorneys who help negotiate and resolve debt and credit matters when a case calls for it, and if your situation needs your own legal representation — a foreclosure action, or a bankruptcy filing — we say so and connect you with one.
Will I get sales calls if I check my options?
Only if you tick the consent box, which is optional and never pre-ticked. Leave it unticked and we reply by email only. The state check also happens before we ask for any contact details at all.
Find out what you’d actually save
Ten minutes, no credit pull, no obligation. If debt relief isn’t the right answer for you, we’ll say so.
Start the free assessment