Debt Options Analysis

This is the do it yourself Debt Options Analyzer. With the Debt Options Analyzer you are able to enter all your credit card debt and it will analyze the 4 major options available to you.

DISCLAIMER: Legal Fees and costs can vary. This Analysis is a fair representation of Debt Management, Debt Settlement, Chapter 7, and Chapter 13. Due to complexity and variables of especially Chapter 13 this analysis is only an estimate and may not be precise. Once you enter your debt amount the form will tell you what your monthly payments would be for either option.

Once you've noted your options you can view the pluses and minuses of each option on our Options Comparison Chart.

Enter Debt Amount


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 860-449-1308 for Free Consultation