Thrive Consumer Debt Solutions — Know All Your Options | Thrive CDS
Free Consultation · No Obligation · No Upfront Fees

You deserve to know all your options.

Most debt relief companies steer you toward what's most profitable for them. We're different — we review your situation and match you with the solution that's actually right for you, whether that's settlement, a management plan, counseling, or something else entirely.

No upfront fees — ever All options presented No pressure to enroll
Solutions we help you explore
🤝
Debt Settlement
Negotiate to pay less than owed
Popular
📋
Debt Management Plan
Structured repayment via non-profit
Low impact
💬
Credit Counseling
Free guidance & budget support
Free
🏦
Debt Consolidation
One payment, lower interest
Credit needed
⚖️
Bankruptcy Guidance
When a fresh start makes sense
Last resort
🛡️
Debt Validation
Attorney-led FDCPA protection program
Fees apply

The system wasn't built for you

If you're struggling with debt, you've probably already discovered that the industry is confusing by design. Here's what most people face.

01

You don't know what options exist

Settlement companies only tell you about settlement. Credit card companies don't want you to know about hardship programs. The full picture is rarely shown.

02

You don't know who to trust

The debt relief space is full of companies with hidden fees, misleading promises, and fine print that shifts the risk entirely onto you.

03

You're pressured to decide fast

Urgency tactics, limited-time offers, and high-pressure calls are common. Real advisors take the time to understand your situation before making any recommendation.

We built Thrive to give you a different experience

We're not a debt settlement company. We're an independent advisory firm whose only job is to understand your situation and connect you with the right solution.

  • We present every option — settlement, DMPs, counseling, consolidation, bankruptcy
  • We don't handle debt ourselves — no conflict of interest
  • No upfront fees from us, ever
  • We explain the real risks — credit impact, tax consequences, timelines
  • We match you to licensed, vetted providers in our network
  • No pressure, no urgency tactics, no time limits
6
Debt relief options we help you explore
$0
Cost for your consultation and matching
100%
Independent — no financial incentive to push one solution
Miami
Based in Miami, FL — serving clients nationwide

Simple, clear, no surprises

Four steps from your first call to having a plan that actually fits your life.

1

Free Consultation

We review your debts, income, and situation — no cost, no obligation, no pressure.

2

All Options Presented

We walk you through every relevant debt relief path, with honest pros and cons for each.

3

Matched to a Provider

If you want to proceed, we connect you with the best-fit licensed provider for your situation.

4

You're in Control

No pressure. Take the time you need. The decision is always yours.

Ready to see all your options?

It starts with a free, no-obligation conversation. No pressure, no sales tactics — just clarity on what's possible for your situation.

Thrive CDS is a consulting and referral firm operated by 64 Squares Consulting LLC. We do not settle, negotiate, or handle debt directly. Results vary. Debt relief programs may negatively impact your credit. See our full disclaimer for details.