lockFree to check. No hard credit pull.

The financial weight comes off here. See which way out fits you best.

Debt can get heavy. Whether it's credit card debt, IRS back taxes, business debt, or a mix that you want to consolidate, our network of financial relief advisors will help you take the weight off your shoulders. See which programs you qualify for today. It takes about ninety seconds and never touches your credit score.

See your optionsarrow_forward How it works
lockEncrypted. No SSN. No bank login. No hard credit pull.
6kinds of relief covered by one short check
~90 secabout seven questions, and the check is done
$0checking is free and puts you under no obligation
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Built for the people the calls never stop reaching

Relief programs and lending partners exist. Finding out which one fits you usually means handing your details to whoever called you first. ReliefMax closes that gap.

fact_check

One check, every path

Debt relief, consolidation, tax relief, merchant cash advance relief and personal loans in one place. About seven questions covers your situation.

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Look without a hard credit pull

No Social Security number, no bank login and no hard credit pull to see your options. Checking costs you nothing, including your score.

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Plain answers, no shame

You see what each option is, what it typically requires and where you stand, written in plain English by people who are not going to lecture you.

Pick your path

Six ways out, depending on what you are actually carrying. Each check takes about ninety seconds, and every one starts with the same promise: no hard credit pull to look.

Cut-paper scene: a man in deep water reaching for help as his St Bernard arrives

Debt Relief

Credit cards, medical bills and collections. See whether you may qualify to resolve what you owe for less than the full balance.

See your options
Cut-paper scene: scattered debts waiting to be gathered into one

Debt Consolidation

Five due dates become one payment. Some lenders pay your cards off directly, so the balances drop the day the loan funds.

See your options
Cut-paper scene: a small figure dwarfed by an oversized tax notice

Tax Relief

IRS or state back taxes. See which relief programs may fit, including affordable monthly plans and settlements for less than the full amount.

See your options
Cut-paper scene: a shop owner watching the daily debits drain the register

MCA Relief

For business owners with stacked merchant cash advances. See how to stop the daily debits and get to one manageable payment.

See your options
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Personal Loan

Cash without the credit-card interest. Check your rate in about a minute without touching your credit score.

See your options
Cut-paper scene: a car weighed down by an oversized load

Car Loan Relief

An honest second look at a car payment that got heavy. Checking your options here does not touch your credit.

See your options

How it works

No documents, no phone call, no appointment to book. The whole thing happens on this site, and you decide what happens after.

  1. 1

    Tell us what you are carrying

    About seven plain multiple-choice questions. What you owe, how the payments are going and where you live. Nothing to upload and no account to make.

    timerAbout 90 seconds
    The story scene beginning to change as questions are answered
  2. 2

    Your answers meet the requirements

    Relief programs and lending partners publish what they need: balance ranges, income, how far behind you are and which state you are in. The check compares your answers against those requirement types.

    rulePublished requirements
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  3. 3

    See where you stand

    You get a clear read on which relief options fit your situation and what each one typically involves, in plain English. No jargon and no runaround.

    visibilityPlain-English results
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  4. 4

    Choose what happens next

    Stop there if you like. Or leave your details and a licensed specialist from our vetted network follows up on the options that matched. Checking never obligates you to anything.

    handshakeNo obligation
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The numbers nobody says out loud

We do not do made-up testimonials or invented star ratings. We do publish the real numbers, with the sources they come from. If you feel like the only one, you are not close to it.

$1.263T

Americans are carrying this much in credit card balances, and the number rose again last quarter.

Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, Q2 2026
6.97%

Of credit card debt flowed into serious delinquency, ninety days or more behind. Being behind is common, and it is not the end of your options.

Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, Q2 2026
$18.771T

Total US household debt. Whatever you are carrying, you are carrying a share of something enormous.

Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, Q2 2026
4.6M

Installment agreements were already in place with the IRS at the start of the year. Payment plans are ordinary, not exotic.

Internal Revenue Service, Data Book 2025, fiscal year 2025
3.2M

New IRS installment agreements were set up in a single year by people who owed back taxes.

Internal Revenue Service, Data Book 2025, fiscal year 2025
$0

What the check costs, and what it does to your credit score. There is no version of this where looking hurts you.

ReliefMax. Checking is free and involves no hard credit inquiry.

Sources: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, Q2 2026 (released 11 August 2026). Internal Revenue Service, Data Book 2025. Figures describe the national picture and are not a prediction about any individual result. Program terms and eligibility are set by the providers and lenders that run them and can change without notice.

Frequently asked questions

ReliefMax is a free check that shows which relief options fit your situation, across credit card debt, debt consolidation, IRS and state back taxes, merchant cash advances, personal loans and car loans. ReliefMax is a matching service. It is not a lender, a debt-relief provider, a law firm, a tax preparer or the IRS.
No. The check never asks for your Social Security number and never runs a hard credit inquiry. One question asks you to estimate your credit range, and your answer stays an estimate.
The check is free and puts you under no obligation. If you choose to move forward, any fees are set and disclosed by the licensed provider you work with, not by ReliefMax.
Being behind usually opens up more options, not fewer. Several relief paths are designed specifically for people who have already missed payments. If a creditor has filed suit or started garnishing wages, that is more urgent and the check routes you accordingly.
A licensed specialist negotiates with your creditors to resolve what you owe, sometimes for less than the full balance. Results vary and not all debts or situations qualify. Debt resolution may affect your credit and can have tax consequences, which is why a licensed professional should walk you through it before you commit.
The IRS runs several programs for people who owe, including installment agreements and settlements for less than the full amount. Millions of installment agreements are active at any time. Not everyone qualifies for every program, and a licensed tax professional or enrolled agent reviews which ones fit your situation.
No. You are matched with one vetted specialist for your situation, and only if you choose to leave your details at the end of the check. Stopping after you see your options is a normal thing to do.
Your answers are encrypted in transit. The check never asks for a Social Security number or a bank login. If you complete the contact step, your details go to the licensed partner matched to your situation so they can follow up.

You are closer to a way out than you think.

About seven questions. Roughly ninety seconds. No hard credit pull. See which relief options fit your situation.

See your optionsarrow_forward lockEncrypted. No SSN. No bank login.
Cut-paper scene: the rescue complete and the water calm