See exactly what to do next, how much you can save, and what to say to creditors.
You're not alone — and you have more options than you think.
ClearPlan gives you a step-by-step path forward — no contracts, no pressure.
Enter your accounts in about 2 minutes. Estimates are fine — you can refine later.
We analyze each debt and recommend whether to focus on payoff or explore settlement.
Scripts, email templates, and checklists so you know exactly what to say and do.
No credit card. No commitment. Just a clearer path forward.
Free resources to help you understand your options and take action.
How to settle credit card debt yourself
Step-by-step guide to negotiating your own settlement — without paying high fees.
Debt settlement companies vs. DIY
A side-by-side comparison of costs, outcomes, and who each option is right for.
What to say to credit card companies
Word-for-word scripts for hardship requests, settlement offers, and payment plans.
Can you negotiate debt yourself?
Yes — here's when it works best and the mistakes to avoid.
Is debt settlement worth it?
Honest pros and cons, and when settlement makes sense vs. alternatives.
Will settling debt hurt my credit?
What actually shows up on your report and how to rebuild after settlement.