More debt than you can manage? There may be a way through.
Answer a few questions and we'll see whether an independent debt relief provider may be able to help you work things out with your creditors. Free, no obligation, and nothing is shared until you say so.
- For credit cards, medical bills, and other unsecured balances
- A provider explains costs and trade-offs before you enroll in anything
- Your details go only to a provider you choose, only after you say so
- About 3 minutes
A short set of questions, no paperwork to start.
- Encrypted connection
Your answers travel over a secure, encrypted link.
- Clear from the start
Plain words. Every disclosure where you can see it.
- People first
No pressure, no obligation. You decide what happens next.
How the matching works
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Share a few details
What you owe, where you live, and where your payments stand. About two minutes, and no account numbers.
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We check for a fit
Your situation is compared with the programs of independent providers, including what they work with and where they operate.
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You decide
If there's a match, you choose whether to be connected. The provider walks you through the program, its costs, and its effect on your credit before anything starts.
What debt relief can and can't do
Debt relief is one option among several. It is not new borrowing. Here is the honest picture, the same one you'll see again before you enroll.
What to expect
- A provider negotiates directly with your creditors to try to settle balances for less than the full amount.
- Most programs replace several payments with one monthly program payment.
- You pay a fee only after a debt is actually settled — never up front.
- You can ask questions and walk away at any point before enrolling.
What to know before you decide
- Enrolling can negatively affect your credit, often for a period of years.
- Creditors may continue collection efforts, and some may take legal action, while you are in a program.
- Not all debts qualify. Results vary and are never guaranteed.
- Forgiven debt may be treated as taxable income. Program availability varies by state.
Faith based.
People focused.
Purpose driven.
Mannah takes its name from the provision that arrived each morning — enough for the day, for everyone, with no one left out.
That is the standard we hold ourselves to. We explain things in plain language, we show you every disclosure where you can read it, and we never pressure you toward a decision. Whatever you believe, you will be treated with dignity here.
- Honesty — we say what we are (a matching service) and what we are not.
- Stewardship — we only pass your information along when you choose a provider.
- Neighborliness — real help for the person in front of us, one at a time.
Built to protect what you share
Encrypted connection
Every page is served over HTTPS with modern encryption, and your answers are transmitted the same way. Sensitive details go directly to the provider and are never stored by Mannah.
Clear disclosures
We are a matching service, and we may be paid by the providers we connect you with. That is written plainly on every page, not buried in a footnote.
Privacy focused
Your information is shared only with a provider you choose, only after you say so. You can read our Privacy Policy or opt out of sharing at any time.
Common questions
- Is Mannah Financial a debt relief company?
- No. We are a matching service. Debt relief providers are independent companies. We may be paid by a provider if you choose to enroll with them, and that never changes what you pay.
- What does it cost to check?
- Nothing. Seeing whether you qualify is free and does not obligate you to anything. Any program fees are charged by the provider, and only after a debt is settled.
- How much do I need to owe?
- Most providers work with people who owe about $10,000 or more in unsecured debt such as credit cards, medical bills, or store cards. Secured debts like a mortgage or car do not qualify.
- Will this affect my credit?
- It can, and you should assume it will. Debt relief programs usually involve settling for less than the full balance, which is reported to the credit bureaus. A provider will explain this clearly before you enroll.
- What if I don't qualify?
- You'll see that plainly, along with free resources such as nonprofit credit counseling. Your information is not passed to anyone.
Mannah Financial is a matching service and does not provide debt relief services. Debt relief programs may negatively affect your credit. Creditors may continue collection efforts or take legal action, including lawsuits, while you are enrolled. Fees are charged only after a debt is settled. Not all debts qualify. Results vary and are not guaranteed. Forgiven debt may be treated as taxable income; consult a tax professional. Program availability varies by state.
See whether a program may fit
Two minutes. Free. Nothing shared until you choose.