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As of October 2026 we can't confirm that SteadyWise is still operating: steadywise.com forwards to a GoDaddy for-sale page, gosteadywise.com is no longer registered, and the BBB profile for Gosteadywise, LLC is unrated and under review. In early 2025 the site sold a debt settlement program with fees of 15% to 29% of enrolled debt, but by August 2025 its disclaimer said it was a recommendation engine that passes you to third-party debt settlement companies and lenders. If you are a current client, find out which company actually holds your contract and your deposit account. If you are shopping for debt help, pick a provider you can verify today.
- Status
- Website offline; steadywise.com forwards to a GoDaddy domain-for-sale page and gosteadywise.com is not registered (checked October 12, 2026)3
- Company
- Gosteadywise, LLC, 10845 Griffith Peak Dr, Suite 200A, Las Vegas, NV 89135; BBB lists a business start date of January 22, 20245
- Former name
- lunadebtrelief.com forwarded to steadywise.com in early 2025, so the brand was previously Luna Debt Relief; that domain was re-registered by an unrelated party in March 20268
- What it said it was (August 2025)
- Not a debt relief company, lender or financial services provider, but a recommendation engine that connects consumers with third-party debt settlement companies, lenders and nonprofit plans1
- Fees it disclosed (February 2025)
- 15% to 29% of enrolled debt, varying by state2
- Results it disclosed (February 2025)
- Clients who made all payments saved an average of 50% before fees and 21% to 35% with fees, over 24 to 48 months; not all clients finish2
- BBB
- Not rated, not accredited; profile under review with no report available (October 2026)5
- CFPB complaints
- 0 complaints naming SteadyWise or Luna Debt Relief in the CFPB public database (October 12, 2026)6
Pros
- Archived pages disclosed a fee range and average results, which some settlement firms don't
- Free consultation with no obligation, per its website
- No complaints in the CFPB public database
Cons
- Website offline and domain listed for sale as of October 2026
- In 2025 it said it was a referral service, not the company doing the work
- BBB profile unrated and under review, with no report available
- Trustpilot removed the Luna Debt Relief profile for breaking its guidelines
- We couldn't find a state license or NMLS record to verify
Best for: Current or former SteadyWise clients who need to trace their contract, deposit account and settled debts.
Skip it if: You are shopping for debt relief now, because you can't verify who would run your program or how to reach them.
SteadyWise vs. competitors
| Company | Type | Fee | Status October 2026 | BBB |
|---|---|---|---|---|
| SteadyWise | Debt settlement, then a referral service | 15% to 29% of enrolled debt (February 2025) | Website offline, domain for sale | Not rated, profile under review |
| National Debt Relief | Debt settlement | Up to 25% of enrolled debt | Operating | A+, accredited since 2013 |
| Pacific Debt Relief | Debt settlement | No upfront fee; percentage not published on its site | Operating | A+, accredited since 2010 |
| InCharge Debt Solutions | Nonprofit debt management plan | Average $52 setup and $34 a month | Operating | A+, accredited since 2002 |
SteadyWise pricing at a glance
What SteadyWise said about cost, from archived copies of its website2
| Period | How it described itself | Fee | Program length |
|---|---|---|---|
| February 2025 | Debt settlement program run by SteadyWise | 15% to 29% of enrolled debt, by state | 24 to 48 months |
| August 2025 | Recommendation engine that refers you to partner companies | Free consultation; partner fees disclosed by the partner | Depends on the partner program |
| October 2026 | Website offline, domain for sale | Not published | Not published |
Under the FTC Telemarketing Sales Rule, a debt settlement company that sells by phone can't collect a fee until it has settled at least one of your debts and you have made a payment under that settlement.
SteadyWise, step by step
Find your contract
Look at your enrollment agreement to see which company you actually signed with, since SteadyWise said in 2025 that services were provided by independent partners.
Contact the deposit account provider
Debt settlement savings sit in a dedicated account held by a third-party provider. Ask it for your balance, the fees taken and how to close the account.
Check each creditor
Call your creditors or pull your free credit reports at AnnualCreditReport.com to see which accounts were settled and which are still past due.
Stop payments if no one answers
If no company responds, you can stop automatic deposits through your bank and withdraw the money left in your account, minus any earned fees.
File a complaint
Report problems to the CFPB, the FTC, your state attorney general and, for Nevada companies, the Nevada Financial Institutions Division.
SteadyWise legitimacy and licensing
SteadyWise was a real business: the BBB lists Gosteadywise, LLC at 10845 Griffith Peak Dr in Las Vegas with a business start date of January 22, 2024. But we can’t call it a safe choice today. As of October 12, 2026, steadywise.com forwards to a GoDaddy page offering the domain for sale, gosteadywise.com is no longer registered, and the BBB profile is unrated with a note that no report is available.
There are other warning signs. Trustpilot removed the profile for lunadebtrelief.com, the brand’s former domain, saying the business goes against its guidelines. We also could not find a state registration or NMLS record we could open to confirm licensing. Nevada requires debt management and debt settlement companies to register with its Financial Institutions Division through NMLS.
SteadyWise business status
Not as far as anyone can check online. The last archived copy of steadywise.com we could find is from August 2025. By October 2026 the domain was parked for sale, and the older gosteadywise.com address had lapsed entirely. The brand appears to have started as Luna Debt Relief: lunadebtrelief.com forwarded to steadywise.com in early 2025, and that old domain was re-registered by an unrelated party in March 2026.
The phone numbers on the archived site were 855-780-0395 and 888-861-5862. We did not call them, so we can’t say whether they still reach the company.
How SteadyWise worked, and how that changed
In February 2025 SteadyWise presented itself as a debt settlement company. You stopped paying your unsecured creditors, saved money in a dedicated account, and its negotiators offered creditors lump sums for less than the balance. It listed credit cards, personal loans, lines of credit, medical bills, collections, repossessions, business debts and some student debts as eligible, and said programs usually took 24 to 48 months.
By August 2025 the same site said SteadyWise was “not a debt relief company, lender, or financial services provider” but a recommendation engine that connects you with third-party debt settlement companies, personal loan lenders and nonprofit debt management plans, which set their own fees and terms. That matters: the company you talked to may not be the company that signed your contract.
SteadyWise fees
The February 2025 site said program fees ran from 15% to 29% of the total enrolled debt, depending on your state. It also said clients who made every payment saved an average of 50% before fees and 21% to 35% after fees. On $20,000 of enrolled debt, a 25% fee would be $5,000 on top of the settlements.
Fees were supposed to be charged only after a settlement, which federal rules require for settlement companies that sell by phone. Your dedicated account provider usually charges its own monthly fee as well. Once SteadyWise became a referral service, it said any costs would be disclosed by the partner you enrolled with.
What customers say about SteadyWise
Professional, Patient, and Friendly Tony was amazing! Very patient, professional, and friendly. He answered all my questions, cleared up my doubts, and really put me at ease. Thank you, Tony, for going above and beyond!
Tony was amazing helping me get back on track with my life. It’s going to save me hundreds of dollars a month in which I will be able to pay off additional debt and live without struggling. Thanks Tony. You are a very kind man who knows how to help people honestly and with integrity.
SteadyWise complaints
There are no complaints naming SteadyWise or Luna Debt Relief in the CFPB public complaint database, and the BBB profile shows no complaint record because it is under review. That does not prove a clean record: a company with few clients, or one that passes customers to partners, may simply not be named in complaints. ConsumerAffairs keeps a SteadyWise page, but it blocked our access, so we could not check its reviews.
If you enrolled and now can’t reach anyone, see the steps above. Most of your money should be in a dedicated account in your name, which you can close.
The rules that protect you
The FTC’s Telemarketing Sales Rule bars debt settlement companies that sell by phone from charging fees before they settle at least one debt and you make a payment under that settlement. The money in your dedicated account belongs to you, and you can withdraw from the program at any time and get back the balance, minus fees already earned.
The CFPB warns that settlement can hurt your credit scores, creditors can sue while you are saving, and late fees on unsettled debts can wipe out the savings. Check any company’s license through NMLS Consumer Access and your state regulator before you sign.
Who should avoid SteadyWise
Anyone looking for debt help now. With no working website, a domain for sale and no licensing record we could verify, there is no reliable way to know who would handle your money. A nonprofit credit counseling agency can review your options for free, and established settlement firms publish their fees, licenses and complaint records.
Alternatives to SteadyWise
- InCharge Debt Solutions A nonprofit debt management plan lowers card interest and keeps accounts in good standing, without the credit damage of settlement. Read review
- National Debt Relief If you still want debt settlement, a large, BBB-accredited firm that publishes its fee range and results is easier to check. Read review
- Pacific Debt Relief A settlement company operating since 2002 that lists its NMLS number and state registrations. Read review
- Call your card issuers yourself Many issuers offer hardship plans or lump-sum settlements directly, which costs nothing in fees.
SteadyWise reviews
Written by readers, read by our moderators, never edited by the company.
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Frequently asked questions
Is SteadyWise a legitimate company?
It was a registered business, Gosteadywise, LLC in Las Vegas, according to the BBB. As of October 2026 its website is offline, its domain is for sale and its BBB profile is unrated, so we can't confirm it is still operating.
Is SteadyWise out of business?
We can't confirm a closure, but steadywise.com now forwards to a GoDaddy for-sale page and gosteadywise.com is no longer registered. The last archived copy of its website is from August 2025.
Is SteadyWise the same as Luna Debt Relief?
It appears so. The lunadebtrelief.com domain forwarded to steadywise.com in early 2025. That domain was re-registered by an unrelated party in March 2026, so a site at that address now is not the same company.
How much did SteadyWise charge?
Its February 2025 website listed fees of 15% to 29% of enrolled debt, depending on your state. Later it said partner companies set and disclose their own fees.
What is SteadyWise's BBB rating?
The BBB lists Gosteadywise, LLC as not rated and not accredited, with a note that its information is being updated and no report is available.
Does SteadyWise have complaints?
There are no complaints naming it in the CFPB database as of October 12, 2026. Trustpilot removed the Luna Debt Relief profile for breaking its guidelines, so there are no public Trustpilot reviews to check.
Was SteadyWise a debt settlement company or a lead generator?
Both, at different times. In early 2025 it described its own settlement program; by August 2025 its disclaimer said it was a recommendation engine that refers you to third-party settlement companies and lenders.
I enrolled with SteadyWise and can't reach anyone. What should I do?
Find your agreement to see which company you signed with, then contact the dedicated account provider to check your balance and close the account if needed. Confirm with each creditor which debts were settled, and file a complaint with the CFPB and your state attorney general.
Can I get my money back from a debt settlement account?
Under the FTC rule, the money in your dedicated account is yours and you can withdraw from the program at any time and receive the balance, minus fees already earned for settled debts.
Will debt settlement hurt my credit?
Usually, yes. You stop paying creditors while you save, so accounts go late or into collections, and settled accounts are reported as paid for less than owed. The CFPB also warns creditors can sue during the program.
Sources (12)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- SteadyWise: homepage and disclaimer, archived August 19, 2025 (Internet Archive) (accessed October 12, 2026)
- SteadyWise: homepage, FAQs and fee disclosure, archived February 7, 2025 (Internet Archive) (accessed October 12, 2026)
- steadywise.com: current address forwards to a GoDaddy domain-for-sale page (accessed October 12, 2026)
- ICANN Lookup: gosteadywise.com registration (accessed October 12, 2026)
- BBB: Gosteadywise, LLC business profile (accessed October 12, 2026)
- CFPB: Consumer Complaint Database search for SteadyWise (accessed October 12, 2026)
- Trustpilot: lunadebtrelief.com profile (removed) (accessed October 12, 2026)
- Internet Archive: lunadebtrelief.com redirect to steadywise.com, February 15, 2025 (accessed October 12, 2026)
- SteadyWise: contact page and phone hours, archived 2025 (Internet Archive) (accessed October 12, 2026)
- eCFR: Telemarketing Sales Rule, 16 CFR 310.4 (debt relief advance fee ban) (accessed October 12, 2026)
- Nevada Financial Institutions Division: debt management services companies move to NMLS (December 8, 2022 memo) (accessed October 12, 2026)
- CFPB: What are debt settlement and debt relief services, and should I use them? (accessed October 12, 2026)
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