Who this isn't for

A page most companies won't write. Here's when you should spend your money somewhere else.

You need a bankruptcy attorney, not an app

If you're facing wage garnishment, foreclosure, repossession, or a lawsuit from a creditor, talk to a licensed attorney in your state today. We can show you the math behind the decision. We cannot represent you, and no software can.

Your problem is income, not organization

If essential fixed costs exceed your take-home pay, no payoff strategy fixes that. The lever is income or a structural change in housing or transport. We'll tell you that plainly — and it doesn't require a subscription.

You want someone to make the calls for you

We don't negotiate with creditors, settle debts, or manage payments. We teach you how and give you the script. If you want a third party to take it over, you want a nonprofit credit counseling agency — look for one accredited by the NFCC.

You want your credit report cleaned up

If the negative items are accurate, no legitimate service can remove them, and anyone who says otherwise is taking your money. Accurate items age off on a schedule. We only help you dispute items that are genuinely wrong, and only with a specific factual basis.

You're looking for a loan

We don't originate, broker, or sell loans, and we don't get paid when you borrow. That's the point of us.