Free Debt Tools
These free calculators and finders help you make decisions about debt with real numbers. Check whether a debt may be too old to sue on in your state, plan a settlement offer, see your credit utilization per card and overall, and compare the snowball and avalanche methods for paying off debt month by month.
Everything runs in your browser. We do not save the numbers you type into the calculators. Results are estimates to help you plan, not legal or financial advice.
Help finders
Under the FDCPA, a collector that loses pays your lawyer’s fees — many attorneys take these cases at no upfront cost.
Collectors can’t call before 8 a.m. or after 9 p.m. your time, and more than 7 calls in 7 days about one debt is presumed harassment.
NACA attorney directoryFree
National Association of Consumer Advocates member lawyers who handle FDCPA and FCRA cases. Search by state.
Free debt validation letterFree tool
Make the collector prove the debt. If you send it within 30 days of their notice, collection must pause until they verify.
Free legal aidFree
Free legal help if you qualify by income. Pick your state on LawHelp.org to find local legal aid offices and self-help guides.
Cease-contact letterFree tool
Tell a collector in writing to stop contacting you. The debt still exists, but the calls and letters must stop.
Statute of limitations checkerFree tool
Can they still sue? See the general deadline for your state.
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Calculators
STATUTE OF LIMITATIONS CHECKER
Can they still sue you?
General deadline for a written contract. Credit cards may differ, and in many states a partial payment or written acknowledgment can restart the clock. The deadline to sue is not the same as the 7-year credit reporting period.
SETTLEMENT OFFER CALCULATOR
What should you offer?
If $600 or more is forgiven, you may get a Form 1099-C and that amount may be taxable unless an exclusion (like insolvency) applies.
Start low, get every agreement in writing before you pay, and ask for deletion. The company does not have to accept. Make a pay-for-delete letter →