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
$79one-time start
+ $12/month · cancel anytime
That's it. No percentage of your debt, no per-letter fees, no upsells, no "program deposits."
Secure payment by Stripe at launch. Meanwhile, the action plan and state lookup are free to use today.
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, while subscribed
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.