Tools
Debt relief calculators
A debt relief calculator you can use without an email or a phone number. It shows an illustrative settlement range, the fee as its own line and the monthly deposit, with every assumption on the page.
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The calculator
Move one slider. Every figure is illustrative, and the downsides sit beside it.
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Before you trust any estimate
Settlement is one option. See when a loan, a plan or bankruptcy fits better, and how to vet any company.
- CompareCompare debt relief optionsDebt settlement, consolidation loans, debt management plans and bankruptcy side by side, including where the other options are the better choice for you.
- CompareDebt settlement vs debt consolidationDebt settlement against a debt consolidation loan: what each one costs, how long it takes, what it does to your credit, and who each one fits best.
- CompareDebt settlement vs a debt management planA nonprofit debt management plan vs debt settlement: how each works, what it costs, what it does to your credit, and when the plan is the better choice.
- CompareDebt settlement vs bankruptcyDebt settlement vs Chapter 7 and Chapter 13 bankruptcy: cost, time, credit impact, what you keep, the means test, and when bankruptcy is the better choice.
- CompareHow to vet a debt relief companyHow to choose a debt relief company: the FTC and CFPB red flags, the questions to ask, and how to check state registration and complaints before you sign.
Next step
Want a person to check the numbers?
A real person picks up the phone. Or check your state and see your illustrative estimate, fee included.
Four short steps
Your estimate first. Contact details last.
- 1How much you owea close guess is fine
- 2What kinds of debtpick all that apply
- 3Which state you live inchecked before anything else
- 4Your estimate, then a real person if you want one