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Get the Free Collector Response Cheat Sheet + DTI Calculator
Know exactly what to say when a debt collector calls, and see where your debt stands in two minutes. Free. No settlement company.
✓ A printable 2-page cheat sheet: what to say first, what never to say, and your core rights, with the law cited.
✓ A debt-to-income calculator: five numbers in, and you get your DTI, whether you look like a settlement candidate, and a recommended next step.
✓ A call log to keep by the phone so you document every call.
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Settle Debt Myself provides general education about debt collection and consumer rights. It is not legal or financial advice. We do not negotiate debts or provide debt settlement services on your behalf. Laws vary by state. © LGJ Enterprises LLC.