We knew there had to be a better way to help people navigate debt — one that started with honesty.
Thrive Consumer Debt Solutions was founded with one simple idea: people struggling with debt deserve a clear-eyed, honest review of all their options — not a sales pitch for whichever product earns the highest commission.
The debt relief industry has a trust problem. Companies push one solution because it's what they offer. Consumers end up in programs that aren't right for them, often without understanding the real risks they're taking on.
We built Thrive to be different. As an independent consulting and referral firm, we have no financial incentive to push any particular solution. Our job is to understand your situation and match you with the right provider — whether that's a settlement company, a credit counseling agency, a consolidation lender, or a bankruptcy attorney.
Talk to an Advisor →An independent financial consulting and referral firm. We review your situation, educate you on all options, and match you with the right licensed provider.
A debt settlement company, law firm, credit counseling agency, or lender. We don't handle your debt directly — and that's exactly what makes us different.
We tell you the real risks — credit impact, tax consequences, timelines — before you make any decision. No surprises after you sign.
We present every relevant debt relief option, not just the ones we profit from. Your situation determines the recommendation, not our margins.
We don't use urgency tactics, artificial scarcity, or high-pressure sales. You take the time you need — the decision is always yours.
We operate in compliance with applicable FTC rules, CFPB guidance, and Florida state law governing debt relief consulting and referral services. We refer only to providers that are licensed and vetted in our network.
Every person who contacts us is dealing with real stress. We treat every conversation with the seriousness and care it deserves.
Founded in Miami, FL. We serve clients across the country and understand the diverse financial circumstances people face.
Here's an honest look at how traditional debt relief companies operate versus how we do things.