Settlement, bankruptcy, or neither. Find out which — free.

Ten minutes, no credit pull, no obligation. We compare what debt settlement, bankruptcy and doing nothing would each mean for your numbers — and if bankruptcy is honestly your better option, the assessment says so.

Compares total cost, timeline and credit impact of each path
No credit pull — we work from what you tell us
If we can't help, we say so and point you to who can

McKenzie Adams is not a law firm and does not provide legal advice. We work with attorneys who help negotiate and resolve debt and credit matters when a case calls for it — and if your assessment points to bankruptcy, we’ll recommend you speak with a bankruptcy attorney in your state.

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What are you working on?

Pick the closest fit. No personal details needed yet.

$7,500 minimum$100,000

Read this before you go any further. This programme works by you stopping payments to the creditors you enrol. That will likely damage your credit, may result in collection activity and in being sued, and may increase what you owe — interest and late fees keep accruing on an unpaid account while we negotiate, so your balance can be larger at settlement than it is today. Before you agree to pay us anything we will put in writing, for each individual creditor, when we will make a settlement offer and how much you need to have saved first.

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

★★★★★

“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

★★★★★

“McKenzie Adams showed all type of professionalism and they delivered as promised. This team went out of their way to ensure everything went through for me.”

Hussain B.

GOOGLE REVIEW

via Google

★★★★★

“Their professionalism was top notch, very amazing customer service. Will definitely refer clients to you guys.”

Gerald I.

GOOGLE REVIEW

via Google

Frequently asked questions

What is the bankruptcy assessment?

A free comparison of your realistic outcomes under debt settlement, Chapter 7 or 13 bankruptcy, and doing nothing — based on your debts, income and state. It takes about 10 minutes, involves no credit pull, and carries no obligation.

Will you try to talk me out of bankruptcy?

No. If your numbers say bankruptcy leaves you better off — and for some people it clearly does — the assessment says exactly that, and we'll tell you to talk to a bankruptcy attorney. We are not a law firm and we don't file bankruptcies, so we have nothing to sell you in that case.

What happens after the assessment?

You get a written summary of the comparison. If settlement is the better fit and you qualify — at least $7,500 in unsecured debt, in a state we serve — you can enrol in Debt Relief. If not, you keep the summary and owe nothing.