Synergy Debt Management: New York Financial Services Company
Take control of your financial future with confidence.
At Synergy Debt Management, we help individuals and business owners repair credit, settle debt, and secure funding — delivering clear, ethical, and effective solutions that create lasting financial freedom.
WHO WE ARE & WHAT WE DO
Real People. Real Solutions. Real Financial Freedom.
We believe financial challenges don’t define you, how you overcome them does. Our team combines experience, integrity, and compassion to help you rebuild credit, resolve debt, and move toward lasting financial freedom with confidence.
Our Team Is Here To Be Your Financial Recovery Partners Every Step of the Way
At Synergy Debt Management, we’re more than a credit repair company, we’re your financial recovery partners.
Our mission is to help individuals and business owners take back control of their financial lives through strategic, ethical, and results-driven solutions.
Whether you’re struggling with personal debt, business funding challenges, or a damaged credit score, our experienced advisors provide the expertise and guidance you need to rebuild, recover, and rise stronger than ever.
Credit Repair
We remove inaccurate or outdated items from your credit report, like late payments, collections, and charge-offs, to help you rebuild your score and confidence.
Debt Settlement
Our experts negotiate directly with creditors to lower your total debt and eliminate fees, giving you affordable relief without the lasting impact of bankruptcy.
Business Funding
We connect business owners with fast, flexible funding to manage cash flow, expand operations, or seize new growth opportunities.
Why Work With Us?
Experience, Integrity, and Results You Can Count On
Working with Synergy Debt Management means having a trusted partner committed to your success. We combine years of experience with personalized strategies to deliver real, measurable results, not one-size-fits-all solutions.
From start to finish, our process is transparent, efficient, and designed to help you rebuild confidence, restore financial stability, and achieve lasting peace of mind.
Our service programs can help with:
Bankruptcies
Business Debts
Certain Student Debts
Charge Offs
Collections
Credit Cards
Foreclosures
Inaccuracies
Inquiries
Judgments
Late Payments
Lines of Credit
Medical Bills
Personal Loans
Repossessions
Tax Liens
FAQs:
Can I still use my credit cards during credit repair?
No, you won’t be able to continue using your credit cards while enrolled in the program. However, we do suggest keeping one active card strictly for emergencies.
What will I pay for your services?
Program fees are based on the total amount of debt you enroll. All costs are clearly explained upfront before you begin, so you’ll always know exactly what to expect.
Who qualifies for a debt settlement program?
Debt settlement is designed for individuals dealing with significant financial hardship or those considering bankruptcy as a last resort.
Who is not eligible for a debt settlement program?
If you have the income or resources to keep up with your monthly payments, you likely wouldn’t qualify. Debt settlement is intended for those genuinely unable to meet their financial obligations, not as a shortcut for convenience.
Get The Credit Score You Deserve!
You are entitled to an accurate and verifiable credit report and score. Synergy Debt Management can help you get it!
Our Credit Repair Process
Here's how it works
Credit Report Review
We start by gathering your credit reports and identifying the negative or questionable items that may be impacting your score, then create a personalized strategy to address them.
Dispute Process
Our team handles all the correspondence and documentation needed to challenge inaccurate or outdated information on your behalf.
Dispute Escalation
If any items require further action, we continue the process, ensuring your rights are protected and every dispute is handled thoroughly and fairly.
Credit Mentoring
Through our secure online portal and app, you’ll have 24/7 access to progress updates, score tracking, and professional credit education designed to help you reach your goals faster.
Getting Started Is Easy
Build confidence in your financial future.
Synergy Debt Management makes financial recovery simple by helping individuals and business owners repair credit, settle debt, and access funding through clear, ethical, and results-driven solutions designed to create lasting financial freedom.
How It Can Help
How our credit repair process makes a difference for our clients
Credit Analysis
Before we take any action, our team conducts a thorough review of your credit reports to understand your situation and build a strategy that targets the items most affecting your score.
Dispute Inaccuracies
We handle the process of disputing inaccurate or outdated information with all three major credit bureaus, ensuring your credit report reflects only verified, accurate data.
Personalized Payment Plans
Our experts work directly with your creditors to propose customized payment arrangements, often including requests for removal of negative or incorrect items from your report.
Never Miss A Payment
With our proactive reminders and payment management tools, you’ll stay ahead of due dates and avoid missed payments that could hurt your score.
Build Credit History
Strong credit takes time, and we’ll guide you every step of the way, helping you establish smart financial habits that strengthen your credit profile over the long term.
Continuous Monitoring
We don’t stop once disputes are filed. Our team continuously tracks your progress and keeps you informed, ensuring your credit repair process stays on course and delivers results.
Why Take The First Step?
Here's what you're missing out on
Better Interest Rates
Without a strong credit score, lenders often charge much higher interest rates, costing you more over time and limiting your financial options. Repairing your credit helps you qualify for better terms and lower rates.
Loan Application Approval
A low credit score can make lenders view you as a higher-risk borrower, increasing the chances of rejection. Improving your credit profile can help you gain approval for loans, credit cards, and other financial opportunities.
Negotiating Power
Without healthy credit, your ability to negotiate with creditors is limited. Strengthening your score gives you more leverage to secure repayment plans and more favorable terms.
Financial Health Check
Poor credit can affect far more than borrowing: it can impact your ability to rent housing, secure employment, or even access essential services. Restoring your credit protects your overall financial stability.
Peace of Mind
Financial stress can take a serious toll on your well-being. By improving your credit and regaining control of your finances, you’ll reduce stress and enjoy greater confidence in your future.
Getting Started Is Free!
Your Journey to Financial Freedom Starts with Synergy
From improving your credit to negotiating debt and securing business funding, Synergy Debt Management provides the guidance and expertise you need to move forward with confidence. Our trusted team delivers real results through integrity, experience, and personalized financial solutions that work.