Debt consolidation and relief options
Get your debt down to one clear payment.
Enter the invitation code from your letter to pick up where it left off. No letter? Answer a few questions and see options that may fit.
- Free to check
- No credit impact
- No obligation
How it works
Three steps, and you stay in charge.
- 1Enter your code
Use the invitation code printed on your letter. Your ZIP code is optional.
- 2We look up your invitation
If we find it, we connect you with a specialist. If we don’t, a few questions help us look for a match.
- 3You decide what happens next
Review what is offered and take it only if it fits. There is no obligation.
Your letter
Your invitation code is on the letter we mailed you.
It is a short mix of letters and numbers, like AZ85001. Enter it exactly as printed.
Your information
Check first. Decide later.
Looking at your options is free and does not commit you to anything.
Read how we handle your information- No hard credit inquiry to check
- No bank login required
- You review before anything is submitted
- Opt out whenever you want
Questions
Before you start
Where do I find my invitation code?
It is printed on the letter we mailed you and looks like AZ85001. Enter it exactly as printed.
What if I don’t have a code?
You don’t need one. Answer a few questions and we’ll look for options that may fit. Answer a few questions
Will checking affect my credit score?
No. Entering your code, or answering our questions, does not create a hard credit inquiry. If you later apply with a provider, that provider may check your credit.
Is ZenBills a lender?
No. ZenBills does not make loans or credit decisions. We connect you with providers, and you decide whether to go further.
What does it cost?
Checking your options with ZenBills is free. Any loan or program you choose has its own rates, fees and terms, which the provider discloses.