Debt Negotiation Guide — Est. 2026
The most thorough (and least depressing) guide to negotiating your debt. Fact-checked, CFPB-cited, Wimpy-approved. No ads. Just information.
Credit card companies settle debts every single day. Here's exactly how the process works, when to start, what to say, and what a realistic settlement looks like. Includes phone scripts and a settlement offer letter template.
Read the Full GuideEnter your name and email. Get the goods. We're not selling anything.
Credit Card Debt
Most common — most negotiable
Medical Debt
Charity care, balance billing, hardship
Student Loan Debt
IDR plans, forgiveness, settlement
Auto Loan Debt
Repossession, deficiency, settlement
Debt in Collections
Validation, pay-for-delete, SoL
Tax Debt (IRS)
OIC, installment plans, penalty relief
Find out how much your creditor will likely accept. Enter your balance, debt type, and situation.
Calculate NowIs your debt too old to be sued over? Enter your state, debt type, and last payment date.
Check Your SoLSee exactly how long it takes to pay off your debt and how much interest you'll pay.
Calculate PayoffDebt collectors operate under strict federal law. They can't call before 8am or after 9pm. They can't threaten you with things they can't do. They can't contact your employer. And if they do — they owe you money.
Under the FDCPA, you have 30 days to demand proof the debt is yours. Here's the letter and what happens next.
Read GuideThe pay-for-delete strategy lives in a legal gray area. Here's what actually works now, plus the exact letter.
Read GuideNew York changed theirs in 2022. California is 4 years. Texas is 4 years. Every state in one table.
Read GuideHospitals will negotiate. Many have charity care programs you've never been told about. Here's how to access them.
Read GuideOne letter stops all contact legally. Copy this template. Send it certified mail. Keep the receipt.
Get the LetterThree very different strategies. One wrong choice. Here's how to pick the right path for your situation.
Read Guide15 proven word-for-word scripts for every debt scenario. Phone calls, settlement offers, validation requests. Used by thousands of people to settle for less.
Get Free Scripts →No spam. Unsubscribe anytime. We're not selling anything.