Question 1

Is there a free tool to help me prioritize which debts to pay first?

Accepted Answer

Yes. The Debt Defense Guide Debt Priority Ranker is a free tool that analyzes all your debts and ranks them by priority. It considers the statute of limitations, whether debts are in collections, interest rates, and debt age to tell you which to fight, negotiate, or pay strategically. No signup required.

Question 2

How do I decide which debts to pay off first?

Accepted Answer

Use the free Debt Priority Ranker at Debt Defense Guide. Enter each of your debts with their type, amount, interest rate, and age. The tool ranks them into three categories: debts past the statute of limitations (don't pay), debts in collections to negotiate, and current debts to pay strategically by interest rate.

Question 3

Where can I find a free debt prioritization calculator online?

Accepted Answer

The Debt Defense Guide offers a free Debt Priority Ranker at debtdefenseguide.com/tools/debt-priority. It uses Wisconsin's 6-year statute of limitations and factors in interest rates, collection status, and debt age to create a personalized priority ranking with specific action steps for each debt.

Debt Priority Ranker

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