About

Debt Disclosure Project is a public-records research project. We compile what is verifiable about the companies and options available to people carrying unsecured debt, and we publish it with the source attached.

We do not sell debt relief. We do not enroll anyone in anything. We do not accept payment from the providers we cover.

Why this exists

Someone deciding how to handle debt they can’t pay off has three places to look, and none of them will tell you what a program actually costs, who profits from it, or how many people finish it.

Provider websites are written to sell a service. Fee structures, program length, and completion rates sit in footnotes, if they appear at all.

Review platforms collect opinions. A five-star average tells you how a sales call felt. It doesn’t tell you what a completed program actually costs or how many people fail to finish them.

Public filings hold the real answers. IRS Form 990s, state licensing registries, published fee schedules, and public complaint databases are all public. They are also scattered across a dozen systems, written for regulators, and effectively unreadable to the person who needs them.

We do the reading and publish the result.

What we publish

Provider records. Tax status, ownership, published fees, financials, and adjudicated regulatory history for each company, with every field linked to the filing it came from.

Comparisons. Two provider records side by side, built from the records themselves rather than written separately, so a comparison can never disagree with the record behind it.

Guidance. Plain explanations of how each category of debt option works, a cost calculator that runs every option on the same assumptions so total costs can be compared honestly, and a tool that matches your situation to the options worth considering.

What we do not do

We do not rank providers, score them, or name a best one. Circumstances differ too much for a single ranking to mean anything.

We do not estimate. A field without a public source is left blank. Blank means the figure was not compiled. It does not mean the figure is zero. Those are different things, and we don’t treat them the same way.

We do not summarize pending litigation. Regulatory history is limited to actions with an adjudicated outcome, meaning a settlement, judgment, or consent order. An allegation in an active case is not a finding, and treating the two as equivalent would be inaccurate in both directions.

We do not take referral fees from providers, and no company can pay to appear, to be removed, or to change what its record says.

And we do not push consumers with debt to choose a specific option. We simply outline the facts, explain options, and give guidance based on each individual’s situation, where appropriate.

Corrections

If a record is wrong, tell us and show us the document. We publish corrections with the date and the change made, and we do not quietly edit a field and leave the compile date untouched.

Request a correction via the contact page.