You don't need to pay 25% of your debt to get out of it
Settle your own debt.
Keep your own money.
Debt settlement firms charge 15–25% of what you owe — that's $3,000–$5,000 on a $20,000 debt. Heal Thy Debts gives you the same playbook they use: your state's laws, proven negotiation letters, and a settlement tracker. One low fee. No percentage. Ever.
Free to explore. No credit card. No sales calls.
$3,000–$5,000
Typical settlement-firm fee on $20,000 of debt (15–25%)
$0
What creditors charge you to negotiate directly with them
$79 + $12/mo
Heal Thy Debts — every tool, every letter, every state. Cancel anytime.
How it works
The settlement industry's secret is that the process is simple. They just don't want you to know it.
Learn your position
Answer a few questions and get a personalized action plan based on your state, debt type, and situation.
Negotiate with confidence
Use our scripts, letters, and calculators to make offers creditors take seriously — usually 30–60¢ on the dollar.
Settle and verify
Get every agreement in writing, track it to completion, and confirm your credit report reflects the settlement.
Everything you need, in one place
Know the Law in Your State
Statute of limitations, wage garnishment rules, and the extra protections your state gives you — in plain English.
Generate Powerful Letters
Debt validation, cease-and-desist, hardship, and settlement offer letters — auto-filled with your details and legal citations.
Track Every Settlement
A private dashboard for every account, offer, counter-offer, and agreement. Your data stays on your device.
Find Trusted Legal Help
Nonprofit consumer attorneys, legal aid, and bar referrals in your state. We never take referral fees.
Watch Your Credit Heal
Track your score over time, verify settlements report correctly, and get personalized next steps — with free monitoring sources, never affiliate links.
Know What to Offer
Realistic opening offers and settlement targets based on who holds your debt — and the economics behind why they'll say yes.
The industry profits from your panic
Full-service settlement firms typically tell you to stop paying your creditors and pay into their program instead. Your credit takes the damage; they take 15–25% of your enrolled debt. The federal Consumer Financial Protection Bureau warns consumers about exactly these practices — and confirms you have the right to negotiate directly, yourself, for free.
We built Heal Thy Debts to put that right within reach: the law, the letters, the numbers, and the discipline of a tracker — without the predatory price tag.
Read Your Rights Under Federal Law| Settlement firms | Heal Thy Debts | |
|---|---|---|
| Cost | 15–25% of your debt | $79 once + $12/mo |
| Who negotiates | They do (slowly) | You do (today) |
| Holds your money | Yes, in their account | Never |
| Teaches you the law | No | Yes — by state |
| Attorney referrals | Rarely | Free, no kickbacks |
Common questions
▸Is this legal advice?
No. We provide legal information and education — what the laws say, in plain English. For advice about your specific situation, we help you find a licensed consumer attorney in your state (many offer free consultations).
▸Can I really settle debt myself?
Yes. The CFPB itself says you can negotiate directly with creditors. Settlement firms have no special power — they make the same calls and send the same letters you can, then charge you 15–25% of your enrolled debt for it.
▸Will settling hurt my credit?
Settling a debt that's already delinquent or charged off typically helps you move forward — the account is resolved instead of growing. We teach you how settlements are reported and how to negotiate the reporting itself.
▸What about taxes on forgiven debt?
Forgiven debt over $600 may generate a 1099-C and count as taxable income — unless you qualify for the insolvency exclusion (IRS Form 982). Our tax guide walks you through it before you accept any deal.