No tricks. No hidden costs. No pushy sales calls. Here's the entire process, plainly — from the moment you land here to the moment you're working with the right provider.
Answer four short questions about your debt, credit, income, and goals. It takes about two minutes. We don't ask for your Social Security number, we don't pull your credit, and we don't require your contact information to see your result.
Our routing engine analyzes your answers and identifies which of the six solutions — credit repair, debt relief, consolidation, counseling, validation, or bankruptcy — most realistically fits your situation. We'll explain why, in plain language, and flag honestly if none are a great fit.
You'll get access to a detailed page explaining how your matched solution works, what the realistic outcomes look like, what it costs, and the honest trade-offs involved. No fluff, no hype — just what you need to make an informed choice.
If you're ready, we connect you with a vetted provider or licensed professional who specializes in your matched solution. If you're not ready, that's fine too — you've still left with clarity, and you can come back when the timing is right.
From there, the work happens with the partner professional — whether that's a debt relief specialist, nonprofit counselor, bankruptcy attorney, or licensed lender. Their fees and terms are disclosed transparently before you commit to anything.
Most debt-help websites are selling you one specific solution. They're motivated to recommend what they get paid for. We're different — we evaluate your situation against all six paths and route you toward the one that actually fits.
Our algorithm isn't tilted toward any single solution. If credit counseling fits, you get counseling. If bankruptcy fits, you get bankruptcy. We tell you what actually works.
Taking the quiz doesn't involve any credit pull or hard inquiry. Your score is untouched by the matching process itself.
Every solution page explains real outcomes, real trade-offs, and real costs. When something is going to hurt your credit or cost real money, we say so directly.
You're one short quiz away from understanding your options more clearly than most people ever do — even after hours of research.
Take the Free Quiz