Fighting for Fair & Ethical Debt Collection

We help borrowers and collection agencies reach ethical outcomes while challenging predatory practices.

How We Help

The Valence Institute mediates between collection agencies and borrowers to reach ethical, financially reasonable outcomes.

We shield borrowers from unfair, harassing, and illegal collection practices.

We facilitate constructive communication between all parties involved.

We help create sustainable payment plans that work for everyone.

Our interactive debt calculator helps you visualize different payment scenarios and find a solution that works for your financial situation.

We believe everyone deserves a path to financial stability, regardless of past challenges.

Current Debt Amount: $10,000

Interest Rate: 18%

Monthly Payment: $300

The Valence Institute is making a difference in the lives of thousands of borrowers.

Borrowers Helped

Million $ in Debt Restructured

Success Rate

States Serviced