Calculators

Wondering how much of your paycheck they can legally take, or whether you'd qualify for Chapter 7? These tools give you a real number, not a guess — checked against the actual federal rules before they go live.

• Wage Garnishment Calculator

  Estimate the wage garnishment cap for your paycheck under the federal formula, plus verified overlays for 12 states — including 3 that bar ordinary wage garnishment entirely.

  Credit Card Debt: What Happens When You Stop PayingMedical Debt: Your Rights Before It Reaches CollectionsPrivate Student Loans: What Happens When You Fall Behind

• Chapter 7 Means Test Estimator

  Understand how the Chapter 7 means test works and look up your household's current median-income threshold from the official U.S. Trustee table.

  Credit Card Debt: What Happens When You Stop PayingMedical Debt: Your Rights Before It Reaches CollectionsPersonal Loan Debt: What Happens If You Stop Paying

• RAP vs. Old IDR Plans Comparator

  Compare an estimated monthly payment under the new Repayment Assistance Plan (RAP) against IBR, PAYE, and ICR, using each plan's actual statutory formula.

  Federal Student Loans: What Happens When You Default

• Treasury Offset Program Estimator

  Estimate how much of a tax refund or Social Security benefit payment can actually be taken to collect a past-due federal debt, under the real offset formulas.

  Federal Student Loans: What Happens When You DefaultIRS & Tax Debt: The Notice Sequence Before They Can Take Anything

• Default Rehabilitation vs. Consolidation Tool

  A short decision tool for getting a defaulted federal student loan out of default — which path actually fits your situation, including cases where consolidation isn't available yet.

  Federal Student Loans: What Happens When You Default

• Auto Repossession Deficiency Balance Calculator

  Estimate what you actually owe after a repossessed car is sold — loan balance plus repossession and sale costs, minus the sale price.

  Auto Loan & Repossession Debt: What Happens When You Fall Behind

• Debt Settlement Cost Estimator

  Estimate the real total cost of a debt settlement program — the company's fee plus the settled amount — based on your balance and typical industry fee structures.

• Statute of Limitations Checker

  Check whether a debt is likely time-barred in your state based on the date of your last payment or account activity — covers 20 states.

  Credit Card Debt: What Happens When You Stop PayingMedical Debt: Your Rights Before It Reaches CollectionsPrivate Student Loans: What Happens When You Fall Behind

• Summons Response Deadline Calculator

  Calculate the exact deadline to file an answer after being served with a debt lawsuit summons, based on your state's actual civil procedure rule — covers 10 states.

  Credit Card Debt: What Happens When You Stop PayingMedical Debt: Your Rights Before It Reaches CollectionsPrivate Student Loans: What Happens When You Fall Behind

• BNPL Stacking Tracker

  Add up every Buy Now, Pay Later plan you're currently juggling to see your real combined biweekly and monthly obligation — the total no single lender can see.