Simple, Honest Pricing
Never a percentage. Never a surprise.
Settlement firms take 15–25% of your enrolled debt — thousands of dollars for work you can do yourself in a few hours a month. Here's what we charge instead.
Full access · pay monthly
That's it. No percentage of your debt, no per-letter fees, no upsells, no "program deposits."
Get Full Access$91 due today ($79 start + first month), then $12/mo.
Cancel in one click — no retention calls, no cancellation fee.
Secure checkout by Stripe. The action plan, state lookup, and all guides stay free forever.
See a live demo first · Already a member? Sign in
Full access · pay once
Best valuePay one time for full, unabated access for life — every tool, every future update, no subscription, no renewals. Best for anyone who'd rather be done with it in a single payment.
Get Lifetime Access$297 today. Nothing after. Cancels out the subscription in about 18 months.
Have a promo code? Enter it at checkout.
The math on a $20,000 debt
- Settlement firm fee (15–25%)$3,000–$5,000
- Heal Thy Debts, a full year$223
- You keep$2,777–$4,777
Everything included
- Personalized action plan for your state and situation
- All 6 negotiation letter generators, with legal citations
- 50-state legal database: statutes of limitations, garnishment, protections
- Settlement calculator with creditor-type strategy
- Private debt & settlement tracker (your data stays on your device)
- Credit Health hub: score tracking, report checklist, and personalized next steps
- Tax guide for forgiven debt (1099-C and Form 982 insolvency)
- Attorney and legal aid directory — zero referral fees
- Every update as laws change, for as long as you're a member
Our promises
- We never touch your money.No escrow, no "dedicated accounts," no holding funds.
- We never negotiate for you. You stay in control — we arm you with the tools and knowledge.
- We never take referral kickbacks. Attorney resources are listed on merit alone.
- Cancel in one click. No retention calls, no hoops.
Before you decide
▸Is the start fee refundable?
Because membership unlocks every tool the moment you join, the $79 start fee and monthly payments are generally non-refundable. That's exactly why we keep the action plan, calculator, and guides free forever — and offer a full live demo — so you can see the value before you pay a cent.
▸What happens if I cancel?
Cancel in one click from billing settings — no retention calls, no hoops. You keep access through the end of the month you've already paid for, and we never charge a cancellation fee.
▸Monthly or lifetime — which is right for me?
Monthly ($79 to start, then $12/mo) is the lightest way to begin and best if you expect to settle within a year or so. Lifetime ($297 once) never renews and pays for itself in about 18 months — best if you'd rather handle it in a single payment or expect a longer road.
▸Will you ever charge a percentage of my debt?
Never. Your price is the same whether you settle $2,000 or $200,000 — flat and transparent. Charging a percentage of people's debt is the very practice we built Heal Thy Debts to replace.