Tools

The reason most debt calculators are useless is not that the math is hard — it is that the assumptions are hidden, so you cannot tell whether the encouraging number came from the inputs or from the tool.
What belongs here, as it gets built: payoff calculators where you can see the interest split, letter templates for the situations where the wording carries legal weight, and worksheets for the moments when the useful step is writing down what you actually owe rather than reading another article about it.
On letter templates specifically, one caution worth stating plainly. Several of the letters people look for — a debt validation request, a dispute of inaccurate reporting, a cease-communication notice — exist because federal law gives you a right and sets a deadline around it. The wording matters less than sending it in a way you can later prove, and within the window the law allows. A template that does not tell you the deadline is worse than no template.
This section is deliberately small and grows slowly. A tool goes up when it does something the reader cannot do faster in their head or in a spreadsheet, not to fill a category. If you needed something here and did not find it, the contact page is the fastest way to tell me.