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:


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


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


Chapter 7
aka Debt Cancellation
0% Repayment


Chapter 13 (3–5 Years) aka Debt Reorganization 100% to 10% Repayment
Cost to File 100% 50% 10%
Without Federal Interest 100% 50% 10%
With 4% Federal Interest 100% 50% 10%

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