I didn't set out to build a debt company. I set out because I got angry.
A local news station ran a story I couldn't shake. They interviewed everyday people who had turned to debt-relief companies for help getting out from under what they owed. One woman had paid more than $6,000 in fees to settle her debts. Another had paid over $3,000. Not toward their balances — in fees. Money handed to companies for doing something those families could have done themselves, for free, if only someone had shown them how.
These weren't careless people. They weren't unwilling to pay what they owed. They were good people in a hard season, doing the responsible thing — asking for help — and getting charged thousands for the privilege of being kept in the dark.
That's when Hosea 4:6 hit me differently. “My people are destroyed for lack of knowledge.”
They weren't ruined by their debt. They were ruined by not knowing — not knowing their rights, not knowing the law was already on their side, not knowing the settlement industry's biggest secret: that the process is simple, and you can do it yourself.
So I decided to do something about it. Not with another fee. Not by taking a slice of anyone's debt. But with the one thing that actually sets people free in this fight: knowledge — and the tools to act on it.
That's what Heal Thy Debts is. Your state's laws in plain English. The letters that creditors take seriously. A calculator that shows you what to offer. A tracker to keep you organized. The same playbook the expensive firms use — handed to you directly, for a price that could never be confused with a ripoff.
We will never charge a percentage of your debt. We will never touch your money. We will never take a kickback for sending you somewhere. Because the moment we do, we become the very thing that made me angry in the first place.
If you're here because you're in a hard season too — take a breath. You're not in trouble for lack of trying. And you're about to not be in the dark anymore.
— Quint,Founder, Heal Thy Debts
The promises that flow from that conviction
- Never a percentage of your debt. One low, honest price — never thousands in fees.
- We never touch your money. No escrow, no “program deposits.” You stay in control.
- No kickbacks, ever. Every attorney and resource we list is there on merit alone.
- Knowledge first. The education that breaks the cycle is yours, much of it free.