Calculators and letters
Every tool runs in your browser. Nothing you type is sent anywhere. None of this is financial or legal advice.
Calculators
- Credit card payoff calculator
One balance, APR, and a date or a payment. Same monthly clock as snowball and avalanche.
- Debt snowball vs avalanche
Up to twelve debts, extra payments, a finish-by date, and a CSV of the schedule.
Collections and reports
- Collection decision flow
State, debt type, last payment, and what the collector sent. Not a ruling.
- Credit report dispute letter
A reinvestigation request to Experian, Equifax, or TransUnion.
- Goodwill letter
A courtesy request to a creditor for an accurate late payment.
Collector letters
- Debt validation letter
Ask a collector to verify a debt under 15 U.S.C. §1692g.
- Cease-contact letter
Tell a collector to stop contacting you. It does not stop a lawsuit.
- Pay-for-delete request
A written side deal before you pay. They can refuse.
- Hardship letter
Ask a creditor for a hardship program. They can refuse.