Know where
you stand.
See what your debt actually costs you, and how fast you could be out of it.
Two numbers and you will see your real payoff date.
Start with what you owe across your cards. An estimate is fine.
Nothing is sent anywhere. Your numbers stay in this browser.
No account. No phone number to see your numbers.
Three things, all free.
Show you the real math
Your payoff date, your total interest, and what changes if you add fifty dollars a month.
Open the calculatorsCompare your options honestly
Consolidation, settlement, bankruptcy. What each one costs and what each one breaks.
See the comparisonIntroduce you to a program, only if you ask
If you qualify and want it, we connect you with a debt relief company. Nothing happens without you asking.
Start the assessmentWhat we are not
Not a lender. Not a creditor. Not a debt collector. Not a law firm.
We do not negotiate with anyone on your behalf and we never touch your money. We give you real numbers and, if it fits your situation, an introduction to a company that does this work.
The catch, up front
We get paid when a referral enrolls.
Every tool here costs you nothing. We earn a fee when someone we refer signs up with our partner. That is the whole business model.
It sits on the front page so you never have to go looking for it. It also means we have an incentive when you enroll, which is a reason to read us sceptically. We would rather you did.
Read the full disclosureWhat a debt settlement program actually costs.
Every route out of debt has a price. Here is what settlement asks of you, so none of it lands as a surprise later.
- Your credit
- Takes a hit, and recovers over time. Most programs work by letting accounts fall behind first.
- Your balance
- Can grow while a program runs, from continued interest and fees.
- Your creditors
- Choose whether to accept an offer. Some say no, and some pursue collection.
- The timeline
- Usually 24 to 48 months, and no outcome is guaranteed.
None of that makes a program the wrong choice. For a balance that has outgrown what you can repay, it is often the better trade, and it is how most people avoid bankruptcy. We would rather you weighed it now than found out halfway through.
Ready to see your own numbers?
Six questions, about three minutes. You see your results before we ask for anything.
See my options