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Debt Adjustment Services

Reduce your debt burden while protecting your credit. Our debt adjustment services help you restructure payments for a more manageable financial future.

What Is Debt Adjustment?

Debt adjustment is a legal process of restructuring your debts to make them more manageable. Unlike debt settlement, which can significantly damage your credit, debt adjustment focuses on adjusting payment terms while protecting your credit profile.

  • Lower monthly payments
  • Reduced interest rates
  • Single consolidated payment
  • Less damage to credit than settlement
  • Professional negotiation with creditors
  • Structured repayment plan

Get a Free Consultation

Find out if debt adjustment is right for your situation. Our experts will review your debts and create a customized plan.

Get Started or call 1-877-782-7839.

Related Guides

  • Credit Repair Complete Guide
  • FCRA Consumer Rights Guide
  • FDCPA Consumer Rights Guide
  • Credit Bureau Dispute Guide
  • How Credit Scores Work

Your Legal Rights

Consumers are protected by several federal laws when dealing with credit reporting issues related to credit education:

  • Fair Credit Reporting Act (FCRA) — 15 U.S.C. §1681: Requires credit bureaus to maintain accurate information and investigate disputes within 30 days. Consumers can dispute inaccurate items directly with bureaus or furnishers.
  • Fair Debt Collection Practices Act (FDCPA) — 15 U.S.C. §1692: Prohibits abusive, deceptive, and unfair debt collection practices. Collectors must validate debts upon request.
  • Credit Repair Organizations Act (CROA) — 15 U.S.C. §1679: Regulates credit repair companies and protects consumers from deceptive practices.

You may file complaints with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC).

Why Trust Credit1Solutions

  • Attorney-backed by Hemminger Law Firm, Consumer Rights Attorneys
  • BBB A+ Accredited since 2015
  • Founded in 2006 — 19+ years of experience
  • Over 30,000 families helped nationwide
  • FICO-certified credit education specialists
  • Full compliance with FCRA, FDCPA, and CROA

Reviewed by Hemminger Law Firm, Consumer Rights Attorneys | Last reviewed: January 1, 2026

Credit1Solutions · 5284 N Dixie Hwy, Elizabethtown, KY 42701 · 1-877-782-7839 (toll-free) · 270-982-4747 (local) · cs@credit1solutions.com

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BBB A+ Accredited Since 2015 · Founded 2006 · Nationwide Service in All 49 States

Related in this cluster

  • FDCPA Consumer Rights Guide (parent guide)
  • FDCPA Summary
  • Collections on Credit Report
  • Debt Adjustment Strategies
  • Attorney-Backed Services
Understand your credit. Take control of what comes next.

Credit repair starts with knowing what is actually being reported. Credit1Solutions combines your credit information, educational tools, document organization and self-service technology in one connected experience.