See It In Action
Try the member tools before you pay
The action plan, state laws, calculator, and guides are already free. Here's a hands-on look at what Full Access adds — real, working tools loaded with example data. Click in and play.
Letters creditors take seriously
Pick from six letters — debt validation, cease-and-desist, hardship, settlement offer, pay-for-delete, and settlement confirmation. Each one cites the exact federal law behind it and composes in real time as you type.
- Auto-filled with your details and the right legal citations
- Built to print and send by certified mail
- Worded to avoid accidentally restarting the statute of limitations
6
ready-to-send letters
Live demoEvery account, offer, and win in one place
A private dashboard for the whole negotiation: log every call and counter-offer, track each account's status, mark debts settled, and watch your running total of debt forgiven climb.
- Call-and-offer log builds the paper trail that is your leverage
- Live totals: active debt, accounts settled, debt forgiven
- Stored only on your device — we never see it
$12,400
example debt forgiven
Live demoWatch your credit heal
Track your score over time, check that each settled account is reporting correctly, and get personalized next steps — plus honest, affiliate-free pointers to genuinely free monitoring.
- Score trend chart with at-a-glance progress
- Report checklist tied to your tracked accounts
- Personalized recommendations — education, never score promises
+54 pts
example score recovery
Live demoReady to use these with your own debts?
$79 to start, then $12/month — or $297 once for lifetime access. Never a percentage of your debt. Cancel anytime.