Buy now pay later debt analysis and BNPL true-APR calculator. Computes the real APR on Klarna, Afterpay, Affirm, and Zip balances, flags platform-specific risks, and returns an escape strategy to clear the debt. For debt-relief and personal-finance agents.

Credit building strategy and credit-score improvement plan. Recommends specific secured cards, credit-builder loans, and thin-file tactics to raise your score, tailored by country. For credit and personal-finance agents.

Debt collector rights, debt-validation letters, and cease-and-desist templates. Returns FDCPA/FCA/ACCC protections plus ready-to-send validation and cease-contact letters by country. For consumer-rights and debt-relief agents.

Debt consolidation calculator: personal loan vs balance transfer vs HELOC. Compares all options with specific lender recommendations and live rate context, tailored by credit score and country. For debt-relief and personal-finance agents.

Credit repair roadmap and negative-item dispute strategy. Returns a step-by-step plan to remove negative items, raise your credit score, and a repair timeline, tailored by country. For credit-repair and debt-relief agents.

Credit report dispute guide and FCRA dispute-letter templates. Returns ready-to-send letters, the credit-bureau dispute process, and the escalation path, tailored by country. For credit and consumer-rights agents.

Debt-free roadmap and payoff plan with wealth-building projection. Returns a phase-by-phase plan from current debt to debt-free, with milestones, the monthly budget required, and a 10-year wealth projection. For debt-relief and personal-finance agents.

Wage garnishment exemptions and protected-income calculator. Returns garnishment exemptions by state and country, how much income is protected, and how to object. For consumer-rights and debt-relief agents.

Bankruptcy and insolvency options analysis with eligibility and process. Covers US Chapter 7/13, UK IVA/DRO, Canada Consumer Proposal, and Australia Part IX, with means-test thresholds, discharge timelines, costs, and credit impact. For debt-relief and consumer-rights agents.

Medical bill negotiation and hospital-bill reduction strategy. Returns charity-care options, No Surprises Act protections, an itemized-bill review, and negotiation scripts to lower the bill. For debt-relief and patient-advocate agents.

Mortgage relief and foreclosure-prevention options. Returns forbearance, loan-modification, repayment-plan, and foreclosure-alternative paths by country and loan type. For debt-relief and homeowner agents.

Creditor negotiation playbook and hardship-program scripts. Returns word-for-word scripts, negotiation tactics, and realistic outcomes by creditor and months behind. For debt-relief and personal-finance agents.

Payday loan escape plan and true-APR calculator. Returns extended payment plan options, legal protections by state and country, and rollover-trap analysis to break the debt cycle. For debt-relief and consumer-rights agents.

Debt payoff calculator: snowball vs avalanche vs hybrid. Compares all three strategies with exact interest math, payoff dates, and total interest saved versus minimum payments, factoring in the current rate environment. For debt-relief and personal-finance agents.

Which debt to pay off first: multi-factor debt priority ranking. Ranks every debt by legal risk, statute-of-limitations status, interest rate, collateral, and account health. For debt-relief and personal-finance agents.

Debt collection rights and consumer-protection laws (FDCPA / FCRA). Covers US FDCPA and FCRA, UK FCA, and Australia ACCC protections by country, with complaint resources. For consumer-rights and debt-relief agents.

Debt settlement calculator and negotiation scripts. Returns realistic settlement percentages by creditor, lump-sum scripts, tax implications, and red flags to avoid. For debt-relief and personal-finance agents.

Debt burden assessment and debt-to-income snapshot. Returns a full burden analysis, danger flags, and the priority actions to take first, with live macro rate context. For debt-relief and personal-finance agents.

Statute of limitations on debt lookup and zombie-debt check. Returns SOL status by state, country, and debt type, whether the debt is time-barred, and the credit-report timeline. For consumer-rights and debt-relief agents.

Student loan repayment and forgiveness strategy. Covers US income-driven repayment (IDR) and PSLF, UK plan comparison, Australia HECS, and Canada RAP, country-specific. For debt-relief and personal-finance agents.

Tax debt relief and back-taxes payment-plan options. Covers US IRS Fresh Start, UK HMRC Time to Pay, Canada CRA Taxpayer Relief, and Australia ATO hardship provisions, by country. For debt-relief and tax agents.