Debt Pay 1 is a payday loan consolidation and settlement company specializing fully on payday loan debt. We know the payday loan and debt relief industry very well. We are familiar with its laws, cycles, internal policies and procedures. Our knowledge comes from experience with working with major payday lenders across the country. Our unique combination of payday loan consolidation and payday loan settlement is designed for borrowers looking for a legal and ethical way to pay off of their payday loans without considering credit counseling or bankruptcy.