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Heal Thy DebtsDebt Settlement & Consumer Empowerment

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Heal Thy Debts

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

“My people are destroyed for lack of knowledge.”Hosea 4:6

Tools

Action Plan
Letter Generator
Settlement Calculator
Debt Tracker
Credit Health
See a Live Demo

Learn

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

Company

Our Story
Pricing
Disclosures & Terms
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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.