Tools
Three tools, built on the same rule as everything else here: stated assumptions, sourced figures, and nothing collected about you. All run entirely in your browser. What you enter never reaches us.
Cost Calculator
Enter a balance and see what each debt option costs in total: a debt management plan, debt settlement, a consolidation loan, and bankruptcy, all run on the same stated assumptions. Not the monthly payment, not the headline rate. The full amount paid by the time you're done, shown side by side.
Every assumption behind the math is stated on the page, with the source attached.
Run the Cost CalculatorDebt Navigator
Seven questions about your situation: your balance, your income, your budget, what you're trying to protect. The Navigator maps your answers to the options that fit and explains why the others don't. No email required, no follow-up, nothing saved.
It won't tell you which company to hire. It narrows which options are worth your time before you start comparing providers by name.
Start the NavigatorCompare Providers
Once you know which option fits, put two provider records side by side. Comparisons are generated from the records themselves, so a comparison can never say something a record doesn't.
Open the Comparison ToolNone of these tools give financial, legal, or tax advice. They show you what the numbers and the public record support. For advice on your own situation, speak with a licensed professional.