How It Works
Three steps. One mission — get you out from under oppressive payday debt.
Start My Free VerificationLoan Verification
Our Payday Loan Relief process begins with verification. When you submit your information, one of our specialists reaches out to gather the details we need: which lenders, approximate loan amounts, monthly payments, and what state you live in. Then we go to work.
What we verify:
Cost
Free — $0
Time Required
10–15 min + 1–2 days
Loan Evaluation
Once we've verified your loans, we move into evaluation. This is where we gather and prepare the documentation needed to determine the validity of each loan.
What happens in this step:
"Most borrowers have never actually seen their loan reviewed against the rules the lender was supposed to follow. You'd be surprised how often the rules weren't followed."
Timeline
Usually 2–5 business days once we have documentation
Loan Dispute
This is when we take action. Using everything we learned during evaluation, we dispute the loans that shouldn't stand. Every case is different, so our approach is different for every client — but the goal is always the same.
Possible outcomes:
Important: We can't guarantee any specific outcome. Every loan and every state is different. But we can guarantee we'll pursue your case honestly and work hard on your behalf.
Why Us
Why Second Chance Advocate
Over 6 Years of Experience
We've been helping clients with payday loan relief for over six years. Our specialists know this area inside and out.
Judgment-Free Service
You won't be lectured or made to feel bad about ending up here. Life happens. We're here to help you move forward.
Honest About What We Can Do
We're not attorneys, and we'll never pretend to be. Where we can help, we will. Where we can't, we'll say so.
Available When You Need Us
Call (833) 515-7849 — a specialist is waiting for you right now.
Ready for Relief?
The verification is free. Let's find out what you're really dealing with.