Our participating retailers…

We want to make your shopping experience fun, easy and of course save you money while paying off your eligible account! Here are some quick facts about our participating retailers. Don’t forget, make sure you’re logged into your letsrestore.com account before you start shopping. You’ll earn 50% back in RestoreBucks on all your purchases. Every 1 RestoreBuck will pay-off $1 of debt.



  • Free 2 day shipping.
  • No membership fee, shop for millions of items.
  • Shop by category.
  • Spend a minimum of $35 by shopping for eligible items (look for the 2-day shopping logo) and you will get free shipping.
  • The benefit of not having a membership fee is amazing and easy. Especially when you are running low on your home essentials.
  • Don’t forget to stock up on your summer items. You will want to be stocked up on sunscreen, beach necessities and picnic snacks.



  • Free 2 day shipping.
  • Red card- sign up and get 5% off your orders every day.
  • Extended returns for 30 days.
  • Introducing wallet- easy and fast checkout.
  • Save 5% on clearance when using your red card.
  • Shop for the perfect gift with Target registry.
  • Don’t miss out on Target weekly ad deals.


Sam’s Club

  • * Purchase a Membership & Earn 100% back in RestoreBucks!
  • It pays to be a Sam’s Club member.
  • Easy reorder on your frequently purchased items.
  • Free shipping on most items with no minimum purchase.
  • Instant savings- extra offers on top of already low prices.
  • 5 free prescriptions- plus over 600 generic prescriptions for $10 or less.
  • Access to online coupons.
  • Instant savings and daily deals.
  • Shop by department.


Cheap O Air

  • Find cheap tickets- Save big
  • Register to get a $20 promo to use today.
  • Special promos and discounts.
  • Earn rewards points.
  • Save on flights, hotels, cars, cruises and more.
  • Customer support
  • Gift cards available.
  • Live help on the site.
  • 24/7 customer care.
  • Price match promise.
  • Easy booking.
  • Ability to track your flight status.



  • Wedding registry. When you buy a gift you get $20 off your next purchase of $50 or more.
  • Macy’s star rewards.
  • Shop for name brand cosmetics.
  • 25% off your first app order.
  • Free in store pick up plus get 20% off your next in store purchase.
  • Open a Macy’s card and save 20% Save up to $100 (exclusions apply).
  • Wide selection of items for the entire family and home.
  • Free shipping with $49 purchase.
  • Free returns.


Healthy Pets

  • 15% off Bayer products or 12% off site wide.
  • Memorial weekend 16% off site wide (use code MemorialDay)
  • Shop by brand.
  • Pet pharmacy.
  • Flea & tick supplies
  • Fast checkout.
  • Track your order. Exclusive offers and promotions.
  • Live chat.


The Body Shop

  • Forever against animal testing
  • Online exclusives including 40% off hundreds of items.
  • Free shipping.
  • Customer care.
  • Love your body club.
  • Live chat.
  • Expert advice.
  • Skin care, body products, fragrance, make up and hair products.
  • Great gifts.


Tidy Living

  • Save $10 on your first purchase of $50 or more.
  • Free shipping on orders over $59.
  • Easy returns.
  • Shop storage, bins, containers, laundry and garment care.
  • Online help available.
  • Get the latest sales events and offers.
  • Price guarantee
  • V.I.P program

Letter from the Founders:


I’m Amanda, the daughter of one of the largest debt buyers in the country and the founder of Let’s Restore. I got into this business because I learned that many non-paying consumers are primarily single mothers, ill, disabled, in the military or simply working hard to get back on their feet… because life happens.  With my digital marketing background, I came up with a solution that doesn’t involve the user handing over hard-earned cash payments that he/she can’t afford, and my father now has an alternative “collection-method” that is going to help millions of people pay off past-due obligations who might otherwise not be able to.

We created Let’s Restore, the app that allows you to buy the things you need while also paying back a charged off account, without spending an extra dime. With Let’s Restore, your account will be adjusted down every time you make a purchase. No more stressful collection letters and phone calls. Make your online purchases through us from trusted retailers, on your own time and earn 50% back that will PAY OFF your debt account. If you transfer your full spending power over to Let’s Restore, your account will be paid off before you know it. Simple.

In January 2018, we launched our shopping portal for the first eligible group of shoppers. We’ve recently had our first handful of users pay their debts off simply by purchasing online, through our retail affiliate links. They signed up, saw their account in the dashboard, clicked a retailer’s link, made a purchase and saw their balance decrease in 2-3 days. It was easy.

I truly believe that life happens and sometimes you need a helping hand. New technologies hold a brighter future for our country’s debt crisis. Why don’t you give it a try? Check if you have an eligible account. You can sign up to see the amount owed. Stock up on bathroom or pantry needs and say goodbye to the stress of this account.

Thanks for reading.


Amanda Jacobsen & Shae Glenn

Our goal

Here at Restore, our goal isn’t just to help pay off a defaulted account. We want to give you a valuable shopping experience while you shop for the things you need. We know it’s tough to stick to a budget, especially if your income isn’t consistent but if you can apply just a little bit of this advice, you’ll be on the road to success and you definitely won’t come face to face with another charge-off.


STEP 1: Know your expenses + create a budget

We like the 50/20/30 rule,  it helps identify your current spending into three main categories.  Use our guide below to help establish a balanced budget based on needs instead of wants. Once you can establish good habits you’ll feel good about your spending and you’ll become a budgeting pro! You don’t need a high income to follow the 50/20/30 rule; anyone can do it.


Use 50% of your income for household essentials and utilities. This might seem like a high percentage (and, at 50 percent, it is), but once you consider everything that falls into this category it begins to make a bit more sense. To be clear, your essential expenses are those you would almost certainly have to pay, regardless of where you lived, where you worked, or what your future plans happen to include. These are things like housing, food, transportation costs, utility bills and fixed life items like toothpaste, toilet paper, razors and food.

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STEP 2: Enhance your Essentials spending, and earn 50% back, by using Restore™


Now that you have determined how much your spending on personal expenses you can enhance your current spending power by shopping at letsrestore.com where you can purchase everyday essentials from major retailers like Walmart, Target, Sam’s Club and Macy’s. We give you 50% back, in non-cash RestoreBucks, which Restore will automatically put towards your eligible [defaulted] account. Spend $100 on toothpaste, razors, deodorant, dish soap, laundry detergent, clothing, etc. and we credit your account with 50 RestoreBucks™.  Although RestoreBucks can’t be redeemed for cash, 1 RestoreBuck will be used to pay off $1 of debt.


Following these simple steps will help you establish a financial plan by setting achievable goals. You’ll have a foundation built for good spending habits and you’ll be able to pay back your eligible account while getting the things you need delivered straight to your door. Let’s be honest, paying off bills feels good, you should be proud.


A Simple Thanks

It makes our hearts so full knowing we work hard every day to make [your] lives a little less stressful. The past month we’ve received countless letters and calls expressing such gratitude for helping others in a time of need.

Paying off [defaulted] debt is stressful which is why our founder set out to find a new way to pay off collections. “The industry needs some modernizing and we are starting with this simple, yet disruptive concept”. Shop for everyday essentials from any of our participating retailers at www.letsrestore.com and we’ll pay you 50% back in RestoreBucks™.  The RestoreBucks™ earned are accepted just like a cash payment and are used to pay off your eligible, defaulted account.

Let’s say you spend $100 on toothpaste, razors, deodorant, dish soap, laundry detergent, clothing hangers and snacks, we’ll give you 50 RestoreBucks. 1 RestoreBuck™ is equal to $1 towards an eligible [defaulted] account. If your eligible account balance is $1,200 your remaining balance is $1,150. When the account balance is $0, it’s reported to credit bureaus as paid-in-full. [woohoo

Over 77 million people have an account in collections. Our mission is to help you pay back your financial obligations and work towards a successful future without interrupting your life.

Together we can make a difference. We’re excited to grow and continue to help make a dent in our country’s debt crisis because our future is all we have.

It all starts here,letsrestore.com

Budgeting Your Daily Essentials

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But, what exactly does the word essentials mean to you? An essential could be a lot of different things but it is something that is absolutely necessary.

So, what are the items that you can’t live without? We aren’t talking about that cute little knickknack you’ve been fawning over for your computer desk.  We’re talking about things you literally can’t live without. Some might include food, toothpaste, shampoo, conditioner, toilet paper, diapers, laundry detergent, dish soap etc. Have you ever budgeted to see how much you spend per month on these daily essentials?

Here is a tip, track your expenses for an entire month. There are tons of free apps out there such as Mint, Fudget and Spendee that can be used as tools to help you learn more about what you spend your money on.

Once you figure out where you’re cash is going, set a goal, learn how to separate your expenses. What do you need and what do you want? Divide the categories into two buckets: wants and needs. Don’t forget expenses like insurance, mortgage payments, rent and anything else that might not be included in your monthly statements. We’d place insurance and a basic phone plan under needs, but a Netflix subscription and deluxe cable package will more than likely fall under wants.

Tip of the day: When creating your budget, never forget to pay yourself!

NerdWallet has a pretty awesome budget calculator that includes a suggested budgeting breakdown. If you distribute your monthly income in this fashion, you would spend 50% on needs, 30% on wants and 20% on savings and paying off debt. The only difference here is your 50% spend will have the power to pay off your debt while using Restore! This will allow you to allocate some more spending elsewhere.

Plug your monthly take-home income into this budget calculator to determine how much you have available for each category.

If your current spending is disproportionately based on the list you made, there’s good news: You can make adjustments and remember, you don’t have to totally cut out all of your wants but definitely stay aware of where you’re money is going and consider downsizing them if it looks like you’re overspending.

The reality is, skipping or not skipping the latte will not change your life. Neither will a splurge on the fluffier toilet paper or even spending a little extra on that wedding gift. But strings of decisions do matter. If you eat every meal out, buy only the finest home staples or make a habit of indulging your every gifting whim, the costs add up.