🛡️ No debt settlement ads · No lead selling · No BS

Get out of debt the honest way.

Free methods first. We name the scams. Four free tools that generate letters, calculate payoff timelines, and protect your rights — without ever seeing your data.

14+
In-depth guides
4
Free tools
$0
To get started
0
Debt settlement companies recommended
Start Here
What's happening right now?
Pick the one that fits. We'll send you straight to the guide that matters.
💸
I can't keep up with payments
Bills piling up, minimum payments only
📞
Collectors are calling me
Harassing calls, letters, threats
⚖️
I'm thinking about bankruptcy
Don't know if it's the right move
🚨
I think I've been scammed
Paid for help that isn't helping
🔥
I need cash right now
Emergency, not a payday loan
Take me to my guide →
Free Tools · Nothing Leaves Your Browser
What debt relief companies charge hundreds for — free.
Four tools that do the work for you. No signup. No tracking. Your data stays on your device.
Start here
📊
Debt Payoff Calculator
Avalanche vs snowball side-by-side. See your debt-free date and total interest.
→
Stop the calls
🛑
Cease & Desist Letter Generator
FDCPA-compliant letter to stop collector harassment. Ready to send.
→
Get relief
✉️
Hardship Letter Generator
Request lower rates, payment plans, or settlements from your creditors.
→
Know your number
🔢
Debt-to-Income Calculator
Find your DTI ratio and understand what it means for your options.
→
🔒 All tools run 100% in your browser. We never see your financial data.
Why We're Different
We tell you who to avoid.
Most debt advice sites sell your info to the companies that prey on you. We name them instead.

✓ We recommend

NFCC credit counselors
Free first session, accredited, nonprofit
211.org
Local emergency assistance programs
CFPB complaint portal
File complaints — they investigate
Credit union PALs
Regulated payday alternative, max 28% APR
AnnualCreditReport.com
Your legal free credit reports

✕ We warn against

Debt settlement companies
They profit while your credit burns
Payday lenders
400%+ APR — a trap, not a solution
"Guaranteed" consolidation loans
If they guarantee it, it's a scam
Anyone who says "stop paying"
Classic debt settlement tactic — wrecks your credit
Upfront-fee credit repair
Violates federal law (CROA)
Most Read
The essentials.
Start with any of these — they're the guides people come back to.
DIY Payoff
How to Get Out of Debt: The Complete DIY Guide
Assessment, priority order, and free strategies that work
Your Rights
What Debt Collectors Can and Can't Do
FDCPA protections most people don't know they have
Scam Watch
Debt Settlement Companies: Why Most Are Scams
How the model works and who actually benefits (not you)
Emergency
Need Cash Now? 12 Alternatives to Payday Loans
Real options that won't trap you in a 400% APR cycle
DIY Payoff
The Debt Triage System
What to pay first when you can't pay everything
Bankruptcy
Should I File Bankruptcy?
An honest decision framework — not a sales pitch
📊
Don't know your score? Start there — free.
Credit Karma gives you your VantageScore from two bureaus, free, forever. No credit card required. Knowing the number is step one of fixing it.
Check your score free →
Affiliate Disclosure: This is an affiliate link. We earn a commission if you sign up — at no cost to you. We only recommend tools we'd use ourselves. Full disclosure.
📈
Already working on your credit?
CreditBoostTips.com is our sister site — 34+ guides and 7 free tools for building, rebuilding, and protecting your credit score. Same team, same honesty.
Visit CreditBoostTips →