Debt Options Analysis

This is the do it yourself Debt Repayment Calculator.

This tool will help you get a good idea of which options are available to you, namely Debt Consolidation, Debt Settlement, Chapter 7 Bankruptcy or Chapter 13 Bankruptcy.

You can enter your credit card debt amounts as well, and it will analyze the 4 major options available to you.

View the pluses and minuses of each option at our Options Comparison Chart (opens in new tab).

Enter Debt Amount

Input Debt Amount and,
Press Enter to view your results:

OPTION #1

Debt Management Plan (DMP)
aka Credit Counseling
100% Repayment

Your Monthly Payment:
Service Fee:
Total Monthly Payment:
Total Payable in 5 Years:

OPTION #2

Debt Settlement Plan (DSP)
aka Debt Negotiation
50% Repayment

Negotiation Fee:
Estimated to Settle (50% of Debt):
Total Payable in DSP:
Monthly Payments
24 Months:
36 Months:
48 Months:
60 Months:

OPTION #3

Chapter 7
aka Debt Cancellation
0% Repayment

Total Debt Repayment:
Legal Fee:
Filing Fee:
Appraisal Fee:
Total Payable:

OPTION #4

Chapter 13 (3–5 Years) aka Debt Reorganization 100% to 10% Repayment

Cost to File	100%	50%	10%
Total Debt Repayment:
Legal Fee:
Filing Fee:
Appraisal Fee:
Cost to File:
Without Federal Interest	100%	50%	10%
Base Debt Repayment:
Legal Fee for Payment Plan:
Trustee Fee:
Total Debt Repayment:
Monthly Payment (60 months):
With 4% Federal Interest	100%	50%	10%
Base Debt Repayment:
Legal Fee for Payment Plan:
Trustee Fee:
Total Debt Repayment:
Monthly Payment (60 months):

Prepared by Attorney Dave Falvey | Call 860-449-1510 for Free Consultation | ^* Legal fees and costs can vary.

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We help people file for bankruptcy relief under the Bankruptcy Code. Attorney Dave Falvey is responsible for this website.