RELIEVE · RESTORE · REBUILD
Debt adoption, reimagined.
Generous donors pay your debts directly.
Verified. Protected. Personal.
Android coming soon
Debt adoption, reimagined.
Generous donors pay your debts directly.
Verified. Protected. Personal.
Three steps. No middleman. No money passes through us — ever.
Get Adopt A Debt on the App Store. Create your account in seconds. Browse real people with real debt — or upload your own.
Donors browse debts and choose someone to help. Debtors upload their bills securely. Every listing is a real person with a real story.
Donors pay the creditor directly through official payment portals. We never touch a single dollar. The debt gets paid. The relief is real.
We're not a bank. We're not a payment processor. We're a connector — and that's exactly what makes us safe.
Donors pay creditors directly through official payment portals. The app never touches a single dollar. There's nothing to steal.
We're a connector, not a bank. There's no money to steal because we never hold it. The design itself prevents fraud.
Someone out there wants to help. We connect you with donors who pay your creditors directly. No judgment. Just help.
Special category for veterans who served our country. They served us — now it's our turn to serve them.
Redact personal info before uploading. You control what the world sees. We collect minimal data and never sell it.
Every paid-off debt gets celebrated. Donors can stay anonymous or share their story. Relief deserves recognition.
The Problem: Millions of Americans are drowning in debt they can't pay. Medical bills, credit cards, student loans. They're not lazy. They're not irresponsible. They're just stuck. One bad break — a divorce, a medical emergency, a job loss — and the debt spirals out of control.
The Mission: Adopt A Debt connects real people with real debt to donors who want to make a direct, measurable impact. No middleman. No percentage skimmed off the top. Donors see exactly who they're helping, choose the debt they want to pay, and pay the creditor directly.
What We Do:
• We give people a platform to share their story and their debt
• We give donors a way to find someone and pay their debt directly to the creditor
• We never touch the money — it goes straight from donor to creditor
• We celebrate every debt that gets paid off on our Hero Wall
Why We Do It: Because there are people out there who WANT to help — they just need to find the right person. Because the traditional debt relief industry profits from keeping people in debt. Because direct, human-to-human help is more powerful than any institution.
Browse real people with real debt. See their stories. Find someone you can help.
Pick someone. Pay their creditor directly. Be their hero. Change their life.
Spread the word so others can help too. One share can change a life.
If you're the one who needs help, don't be ashamed. Post it. Let someone be your hero.
The Promise: We never touch your money. We never sell your data. We never charge a fee to donate. The only charge is a small upload fee for debtors to list their debt — that's what keeps the platform running. We are not a financial service. We do not process money.
We believe in second chances. We also believe in accountability. Here's how it works — and why.
5 Debts Per Cycle. Each account gets 5 debt slots. That's enough to cover real hardship — medical, credit card, utility, auto, and student loan — without being a free-for-all.
5-Year Waiting Period. After your debts are paid off, a 5-year clock starts. During that time, you can't upload new debt. This gives you space to build strong financial habits — with help from our free Financial Recovery courses.
Two Chances, Total. After the 5-year waiting period, you get a fresh 5 slots. That's your second chance. After those are used and the second waiting period passes, the platform is closed to you permanently. Everyone deserves a second chance — not an infinite one.
12-Month Expiration. If a debt goes 12 months without being adopted, it's removed from the listings. You can re-upload the same debt (your slot is preserved) or surrender it (the slot is gone for good — the debt becomes your responsibility). Stale listings don't help anyone.
First Cycle — 5 Debts
Upload up to 5 debts. Donors adopt and pay them off directly to your creditors.
5-Year Waiting Period
No new uploads. Use our free Financial Recovery courses to build better habits. Prove you can stand on your own.
Second Cycle — 5 Fresh Debts
Your second chance. 5 new slots. Same process. Donors help again.
Final 5-Year Waiting Period
Same waiting period. Same opportunity to grow. This is your last cycle.
Platform Access Complete
You've had two chances and 10 years of support. The Financial Recovery resources remain available to you forever. We're rooting for you.
Most debt relief programs either keep you dependent or punish you for years. We wanted something in between — generous enough to actually help, firm enough to demand real change.
5 debts is enough to cover genuine hardship without becoming a crutch. 5 years is long enough to rebuild your life, but short enough that you're not permanently locked out. Two chances says: we believe in you — twice.
After that, the courses on our Financial Recovery page are yours forever. We'll always be in your corner. But the platform is a hand up, not a handout — and every hand up eventually has to let go.
Download the app. Find someone. Change a life.
Download on the App Store