This site covers US debt settlement rules and providers only.Free, nonprofit credit counseling exists and is often worth trying first.We are not a law firm, a lender, or a debt settlement company.Settled debt can count as taxable income under IRS rules.Nothing you type into the calculators here is sent anywhere.Debt settlement can lower what you owe, but it usually does more credit damage than other options.This site covers US debt settlement rules and providers only.Free, nonprofit credit counseling exists and is often worth trying first.We are not a law firm, a lender, or a debt settlement company.Settled debt can count as taxable income under IRS rules.Nothing you type into the calculators here is sent anywhere.Debt settlement can lower what you owe, but it usually does more credit damage than other options.

Free download

The Debt Settlement Decision Worksheet

List every debt in one place, compare settlement, consolidation, counseling and DIY payoff side by side, and walk into any conversation, free or paid, already prepared.

A single page to list every balance, rate and months behind
A plain comparison of settlement, consolidation, counseling and DIY payoff
Questions to ask a settlement company before you sign anything
Where the free help actually is, and how to find it

No payment, no account, no waiting for an email — the PDF downloads the moment you submit.

See your options Free workbook