Tools

No signup. No email. All calculations happen in your browser.

Know Your Deadlines

Statute of Limitations Calculator

Check if your debt is past the legal deadline for lawsuits.

Defend Yourself

Debt Validation Letter Generator

Generate an FDCPA-compliant letter requiring collectors to prove the debt.

Debt Lawsuit Screener

Being sued? See your answer deadline, defenses, and next steps.

Know Your Collector

Collector Profile Checker

Look up a debt collector's complaint history and known violations.

Protect Your Income

Wage Garnishment Calculator

Calculate how much of your paycheck is protected from garnishment.

Bank Levy Calculator

Estimate protected bank account funds under federal and state exemptions.

Plan Your Strategy

Debt Priority Ranker

Add your debts and see which to fight, negotiate, or pay strategically.

Settlement Analyzer

Evaluate a settlement offer and see if it makes financial sense.

Bankruptcy Screener

Preliminary screening for Chapter 7 or Chapter 13 eligibility.