The 30-Day Debt Action Plan
Stop staring at your debt and start doing something about it. This day-by-day plan walks you through assessment, strategy, and action - even if you don't know where to start.
What the 30-Day Plan Covers
Most people with debt problems know they have a problem. What they don't have is a clear first step. This plan gives you one action per day - small enough to actually do, in the right order to build momentum.
- Days 1-3: Full debt inventory - what you owe, who you owe it to, and what stage each account is in
- Days 4-6: Credit report audit - get all three reports, identify errors, flag accounts for dispute
- Days 7-10: Know your rights - FDCPA basics, what collectors can't do, your first line of defense
- Days 11-14: Statute of limitations check for every debt - identify which ones are approaching or expired
- Days 15-18: Strategy selection - debt management plan vs. settlement vs. bankruptcy decision framework
- Days 19-23: Settlement prep - identifying target debts, lump sum calculation, opening offer scripts
- Days 24-27: First contacts - validated debt, open negotiation, or get professional help
- Days 28-30: Track, document, and build your 90-day plan from the 30-day foundation
Preview: Days 1-3 - The Debt Inventory
Day 1: Pull all paper statements, collection letters, and emails. Don't open them yet - just gather them.
Day 2: For each account, fill in: creditor name, original balance, current balance (if known), last payment date, current status (current / delinquent / collections / charged-off / judgment).
[Day 3 gives you the scoring system to prioritize which debts to address first, how to identify which collector owns each debt vs. the original creditor, and the red flags that mean you need a lawyer's input before doing anything else. Full plan is 28 days of specific daily actions.]
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Other Free Resources
15 Negotiation Scripts
Word-for-word scripts for settlement calls, pay-for-delete, and stopping harassment.
FDCPA Rights Cheatsheet
One printable page summarizing your legal rights with collectors.
Settlement Calculator
Estimate realistic settlement amounts for your specific accounts.