WHY CHOOSE US
What Makes Oak Tree Different
Clear explanations
Debt can feel overwhelming. We break down each program into simple information that helps you understand your choices.
Guidance grounded in real needs
Our content reflects the situations people face every day. Whether you are struggling with credit cards or personal loans, you will find helpful insights to move forward.
Support you can trust
You can speak with a specialist who can answer questions and help you explore possible solutions.
YOUR JOURNEY
Choose the way that works for you
Start online or speak with someone who can guide you.
Each option helps you understand which programs may fit your needs.
Do it yourself
Answer a short set of questions to learn which programs may match your situation. Created to help you explore your options at your own pace. An agent may contact you if you would like personal help.
Talk with an agent
Licensed agents can explain how programs work and help you understand your choices. You can call during business hours.
Monday to Friday 7AM to 5PM CST
Request a meeting
If you prefer face to face guidance, you can request an in person meeting with a licensed agent.
INTEREST RATES TODAY
+20%
Average rates on US
credit cards
Stop paying just interest.
Start paying down your life.
High credit card interest rates can make it difficult to reduce balances, even with consistent payments. Many people continue paying interest month after month without meaningful progress. Debt relief programs focus on addressing balances rather than extending repayment through interest alone.
Begin your review
Figures reflect average US credit card interest rates reported in national consumer credit data. Interest rates vary by issuer, credit profile, and market conditions. This information is provided for educational purposes only and does not guarantee results. Sources: Federal Reserve: Consumer Credit - G.19
Support agent
Live support
Licensed agents

Get personal guidance from a Licensed Agent

Speak with a trained specialist who can walk you through debt relief, consolidation, settlement, and credit repair options. Learn what might fit your situation.

Ask anything

Get clear answers to your questions about programs and coverage basics.

Simple explanations

Agents explain rules and benefits in everyday language.

Help understanding your path

Talk through your needs and explore which programs may apply.

Flexible contact options

Call now or schedule a meeting when it works for you.

Call (555) 323–1234
TTY 711
CALL TOLL-FREE M–F 7AM–5PM CST.

Oak Tree Debt Relief is an educational resource and does not provide debt relief services. All consultations are offered by independent professionals available to provide general program guidance.

PROGRAMS
Explore programs at your own pace
Explore our guides to find the programs that match your health coverage needs.
Choose any option above to see its benefits and requirements.
View all programs
Are you ready to
take control of your debt?
Imagine a life without constant financial pressure.
Start your path toward stability and recovery today.
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