Your personalized action plan

Five quick questions. No account, no credit card, nothing stored on our servers. You'll get a step-by-step roadmap built from your state's laws and your debt's actual situation.

1. Which state do you live in?

2. What kind of debt is it?

Credit cardMedical billPersonal loanAuto loan / repossession balanceSomething else

3. Who's asking you for money right now?

The original creditor (bank, card issuer, hospital)A collection agency or debt buyerI'm not sure

4. Where do things stand?

I'm behind, but no one is suing meCollectors are calling / sending lettersI've been sued or got a court summons

5. When did you last make a payment on it?

Less than 2 years ago2–4 years ago4–6 years agoMore than 6 years agoI'm not sure

Heal Thy Debts

Tools and education to help you settle your own debt — and keep the thousands you'd otherwise pay a settlement firm.

Tools

Action Plan
Letter Generator
Settlement Calculator
Debt Tracker
Credit Health

Learn

Know Your Rights
State Law Lookup
Guides & Resources
Find Legal Help

Company

Pricing
Disclosures & Terms
File a CFPB Complaint ↗

Important: Heal Thy Debts is an educational platform, not a law firm, debt settlement company, or credit repair organization. We do not negotiate with creditors on your behalf, hold or move your money, or provide legal advice. All content is general legal information. Laws change and your situation is unique — verify current law and consult a licensed attorney in your state for advice. Forgiven debt may be taxable income.