Take Control of Your Debt — One Payment, One Plan
Whether you're looking to combine debts into a single payment or negotiate directly with creditors, Apello Consulting helps you evaluate your options and find the right path forward.
Option 1
Debt Consolidation
What Is Debt Consolidation?
Debt consolidation means combining multiple debts — credit cards, medical bills, personal loans — into a single monthly payment. This is typically done through a consolidation loan or a debt management program that streamlines your repayment into one predictable amount.
Who Is It For?
- You have multiple debts with different due dates and interest rates
- You have a steady income and can afford a regular monthly payment
- You want to simplify your finances and reduce mental stress
How Apello Helps
We evaluate your financial situation, help you understand the consolidation options available to you, and connect you with reputable partners who can provide the right consolidation program for your needs. We don't push products — we help you make an informed choice.
Potential Benefits
- Lower overall interest rates
- One single monthly payment instead of many
- Reduced financial stress and simplified budgeting
- Clear payoff timeline
Option 2
Debt Negotiation & Settlement
What Is Debt Negotiation?
Debt negotiation (also called debt settlement) involves working with your creditors to reduce the total balance you owe. Instead of paying the full amount, you negotiate a lump-sum settlement or a reduced payment plan that both parties agree to.
Who Is It For?
- You can’t afford to repay the full amount you owe
- You want to avoid filing for bankruptcy if possible
- You have some income or savings to put toward a settlement offer
How It Works
Apello works with you to assess which debts may be eligible for negotiation, helps you understand the process and potential outcomes, and guides you through approaching creditors. Our goal is to help you reach an agreement that meaningfully reduces your total debt burden.
Potential Outcomes
- Settle debts for less than the full balance owed
- Many settlements resolve for 40–60% of the original amount
- Avoid the need for bankruptcy in many cases
- Faster resolution than multi-year repayment plans
Compare
Which Is Right for You?
Both options can help you regain control of your finances, but they work differently. Here's a quick comparison.
Debt Consolidation
- Simplifies payments into one monthly bill
- You repay the full amount owed
- Potentially lower interest rates
- Less impact on your credit score
Debt Negotiation
- Reduces the total amount you owe
- Often settle for 40–60% of the balance
- May impact your credit score more
- Can help you avoid bankruptcy entirely
Not sure which option fits your situation? Take our eligibility guide.