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A better life beyond debt begins here.

Explore your options. Using this tool will not affect your credit.

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Debt Management Plan (DMP)

Best for You

Pros

Reduced interest rates/payments
Single monthly payment
Full repayment of debt
Structured plan
Ongoing support
Can improve long-term credit health

Cons

Requires closing credit cards, typically with option to keep one open
Monthly fee, though low and capped by state regulations
Generally limited to unsecured debt
Successful completion can take several years

Bankruptcy Counseling

Best for You

Pros

Fastest relief
Immediate protection: stops collections, lawsuits, garnishments
Provides a fresh start

Cons

Major impact on credit, remaining on report for 7+ years
Not all debts are dischargeable
Fees (attorney/court)

Do-It-Yourself (DIY) Debt Repayment

Best for You

Pros

No fees
Good option for early-stage hardship where payments are still manageable
Full control over the process

Cons

Interest rates usually stay high
Creditors may not offer meaningful concessions if severely delinquent
Easy to get off track
No structured plan