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Plain-English guides and free tools to understand and resolve your own debt, the calm way. Reviewed by a consumer-protection attorney. No hype, and no promises about outcomes.
Guides
Your rights when a debt collector calls
What collectors can and cannot do under the FDCPA, what to do when they call, and how to spot a scam.
Your optionsDo I need a debt settlement company?
An honest comparison of your options for resolving debt, including doing it yourself for free.
ConsequencesCan a credit card company actually sue you?
The real timeline from missed payment to lawsuit, garnishment, and the statute of limitations.
Start hereDrowning in credit card debt? Start here
A calm, judgment-free first step when it all feels bottomless, plus where to find help.
Payoff mathDebt snowball vs. avalanche
Which method clears your cards faster, the honest answer, and how to choose. Pairs with the calculator.
Free downloadThe debt-collector call checklist (PDF)
A free, one-page checklist for exactly what to say and do when a collector calls.
Free tools
Payoff calculator
See how fast you could be debt-free and what the interest is really costing you. Your numbers never leave your browser.
PlannerSettlement & negotiation planner
Estimate a realistic offer range and what to say, for resolving a debt yourself.