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.
Not sure which to pick?
The two plans cost about the same at 18 months. Here's the honest math so you can choose the one that fits your situation.
Choose monthly
If you expect to be done within about a year and a half. It costs less over that stretch, and you can cancel in one click the month you finish.
$79 to start, then $12/month
Choose lifetime
If you'd rather handle it in a single payment, expect a longer road, or are working through several debts. Nothing renews, ever.
$297 once
Either way you get every tool — and never a percentage of your debt.
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.
Costs less than lifetime if you finish within about 18 months.
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
No renewalsPay 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 (in firm fees avoided)$2,777–$4,777
Avoided-fee comparison vs. a typical 15–25% settlement-firm fee on a $20,000 enrolled debt — not a prediction of how much debt you'll settle. Results vary.
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.