Strategy
Country guides — in your language
How to Get Out of Debt Fast
Avalanche vs snowball, the real math, and a step-by-step action plan that works for any debt size.
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Calculator
Debt-Free Date Calculator
Enter your balances, rates and monthly payment — see exactly when you'll be debt-free. Interactive.
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Resources
Free Debt Help by Country
Official free debt help organisations in 10+ countries — verified contacts and what they actually offer.
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Plan
The 90-Day Debt Plan
A proven three-phase action plan with weekly checklists. Works for any income and any debt size.
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Templates
Debt Validation Letter — Free Templates
Debt validation, cease and desist, hardship letter and goodwill letter templates — plus a proven negotiation script.
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United Kingdom
Free Debt Help in the UK
StepChange, Breathing Space, DRO, IVA — your rights and free resources across England, Scotland, Wales and Northern Ireland.
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Deutschland
Privatinsolvenz Deutschland — kostenlos
Insolvenz, Privatinsolvenz, P-Konto, kostenlose Schuldnerberatung — Ihre Rechte und der Weg zur Schuldenfreiheit.
Lesen →
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France
Dossier de surendettement — aide gratuite
Banque de France, commission de surendettement, rétablissement personnel — vos droits et un plan concret.
Lire →
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Sverige
Skuldsanering Sverige — bli skuldfri
Skuldsanering via Kronofogden, kommunal skuldrådgivning — dina rättigheter och vad du ska göra nu.
Läs →
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Nederland
Schuldhulpverlening Nederland — gratis
Gemeentelijke schuldhulpverlening, WSNP (18 maanden), Nibud, Geldfit — uw rechten als schuldenaar.
Lees →
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Polska
Pomoc w długach za darmo
Rzecznik konsumentów, UOKiK, Federacja Konsumentów, upadłość konsumencka — Twoje prawa w Polsce.
Czytaj →
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España
Ley de la Segunda Oportunidad — España
ADICAE, servicios sociales — cómo cancelar deudas y la ayuda gratuita disponible en España.
Leer →
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Indonesia
Bantuan hutang gratis Indonesia
OJK, YLKI, LBH, restrukturisasi kredit — hak Anda sebagai debitur dan bantuan gratis di Indonesia.
Baca →
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Portugal
Insolvência pessoal — ajuda gratuita
DECO, PERSI, insolvência pessoal e exoneração do passivo restante — os seus direitos em Portugal.
Ler →
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Brasil
Serasa Limpa Nome — como limpar nome
Serasa Limpa Nome, Lei do Superendividamento, Procon — como sair das dívidas e limpar o CPF.
Ler →
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Italia
Sovraindebitamento ed esdebitazione — Italia
Sovraindebitamento, esdebitazione, Legge 3/2012, OCC — aiuto gratuito e i tuoi diritti come debitore.
Leggi →
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Norge
Gjeldsordning Norge — bli gjeldfri
NAV, Gjeldsoffer-Alliansen, gjeldsordning via Namsmannen — dine rettigheter og gratis gjeldshjelp.
Les →
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Danmark
Gældsanering Danmark — bliv gældfri
Gældsrådgivning Danmark, Forbrugerrådet Tænk, gældsanering via skifteretten — dine rettigheder.
Læs →