Credit Card Debt Relief That Puts You Back in Control
Minimum payments that barely touch the balance. Interest that grows faster than you can pay it down. If that sounds familiar, you're not alone. You don't have to keep circling the same $200 payment every month with nothing to show for it.
HS Debt Support, a division of Hikaru Services, helps people across the country find real credit card debt relief through personalized negotiation and legal debt strategies. Rather than another loan or another card, we work directly with your creditors to reduce what you owe and build a plan you can actually finish.
Credit card debt rarely arrives all at once. It builds slowly, such as medical bill charged in an emergency, a job loss that turned one card into three, an interest rate that quietly climbed until the payment no longer made sense.
Our credit card debt settlement programs are built for people who are:
Who We Help
Carrying balances across multiple cards with no clear payoff date - Paying more in interest each month than they're paying toward the principal
- Behind on payments and receiving calls from creditors
- Looking to settle credit card debt before it moves into collections or legal action
How We Help You Settle Credit Card Debt
We don't offer one script for every client. Depending on your balances, your creditors, and your goals, your plan may draw on several approaches at once.
Credit Card Debt Settlement
We contact your creditors directly and negotiate to reduce your total balance, often significantly below what you currently owe.
Consolidated Monthly Payment
Multiple cards, multiple due dates, and multiple minimums become one predictable payment that's sized to your budget, not theirs.
Legal Advocacy Partners
Where creditors overstep, our legal partners lean on protections like the FDCPA and the Credit CARD Act of 2009 to keep your rights intact.
Dispute Resolution
Balances that are inflated, mislabeled, or simply wrong get challenged and corrected before a settlement is ever discussed.
Credit Rebuilding
Once your accounts are resolved, we help you understand how to rebuild your score with habits that stick.
The HS Debt Support Advantage
Choosing who negotiates on your behalf matters. After all, it's your credit, your creditors, and your money on the line. Here's what clients get with us:
Experience & Expertise: Our team has spent years handling credit card debt help cases and understands how card issuers actually respond at the negotiating table.
Legal Backing: We work alongside consumer protection law firms so every negotiation happens with your rights fully enforced.
Transparent Communication: You'll know your balance, your timeline, and your options before you agree to anything, no fine print you find out about later.
Personalized Service: A single mother juggling two cards needs a different plan than a small business owner who leaned on credit through a slow season. We build around your situation, not a template.
How Our Credit Card Debt Relief Program Works
Getting out from under credit card debt doesn't happen the day you call, but it does start there. Here's what the process looks like.
Step 1
Free Consultation
We start with a no-obligation call to understand which cards you're carrying, what you owe, and where the pressure is coming from.
Step 2
Comprehensive Assessment
Our specialists review your balances, interest rates, payment history, and any letters or calls you've already received from creditors.
Step 3
Negotiation with Creditors
We open direct conversations with your card issuers to work toward reduced balances and manageable terms,
Step 4
Single Affordable Payment
Your accounts are folded into one monthly payment, replacing the stress of tracking several due dates with a single date you can plan around.
Step 5
Ongoing Support
We stay involved after settlements are reached, keeping you informed and available if a creditor issue resurfaces before your program is complete.
Take the First Step Toward Credit Card Debt Relief
You don't need to wait until accounts go to collections to get help. The earlier you reach out, the more options are usually on the table, including better settlement terms, fewer fees, and less damage to your credit along the way. HS Debt Support works with clients nationwide who are ready to stop treating credit card debt as background noise and start resolving it.
What We Offer — Our Debt Relief Solutions
Success Stories: Read about how we've helped clients achieve financial freedom and regain control of their lives.
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![Emaily]()
HS Debt Support was a lifesaver. My credit card debt was overwhelming, but their team negotiated with my creditors and significantly reduced my debt. Now, I have a manageable payment plan and a clear path to financial freedom. I can't thank them enough!
Emily R. -
![Michael]()
I was drowning in tax debt and didn't know where to turn. HS Debt Support connected me with experts who negotiated with the IRS on my behalf. They created an affordable repayment plan, and now I can finally breathe again. Their support was invaluable.
Michael T.
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![Antionette]()
The personalized credit counseling sessions at HS Debt Support were incredibly helpful. They provided me with a clear understanding of my financial situation and helped me develop a plan to improve my credit score. I'm now on the road to a better financial future.
Antoinette S.
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![Michael]()
I was drowning in tax debt and didn't know where to turn. HS Debt Support connected me with experts who negotiated with the IRS on my behalf. They created an affordable repayment plan, and now I can finally breathe again. Their support was invaluable.
Michael T.
Blog
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Look for a team that explains its process clearly, has real experience negotiating with card issuers, and connects you to legal support if things escalate. HS Debt Support builds every credit card debt relief plan around your specific creditors rather than a generic script.
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Most clients see initial settlements begin within a few months, though full programs typically run one to four years depending on how many accounts and how much total balance is involved.
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Anyone carrying revolving balances they can't reasonably pay off through minimum payments alone — especially if interest charges are outpacing progress on the principal.
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Yes. Our team has handled negotiations with banks and card issuers of all sizes, and we bring in legal partners when a creditor isn't willing to negotiate in good faith.
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Yes, we work with clients nationwide, adjusting strategy where needed for state-specific consumer protection laws.
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Settling can affect your credit temporarily and may have tax implications on forgiven amounts. We walk through these trade-offs with you upfront so there are no surprises.
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Recent statements, any collection letters, and a general picture of your monthly income and expenses are enough for us to build your first assessment.
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Your score may dip in the short term as accounts are settled, but many clients see it recover and improve once balances are resolved and payments stabilize.
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Costs depend on your total balance and the complexity of your accounts. We review this openly during your free consultation so you know exactly what to expect before committing to anything.