Hardship-program finder
Use a bill type, its urgency, and the help you want to build a route through official sources, qualified counseling, and preparation steps.
Financial recovery calculators and planning tools
Choose the work product you need: a route to verify, a dated cash-flow calendar, a repayment ledger, or a call sheet. If the first move is unclear, start with the financial hardship program finder.
Choose by the decision in front of you
None of these tools sells a lead, ranks paid companies, or asks for an account number.
Debt payoff planner
Build a fixed-payment baseline, see the first month’s principal movement, and compare time and interest with an extra monthly amount.
You receive
A two-scenario ledger, payoff date estimate, milestones, and an affordability warning.Hardship call planner
Turn the type of account, hardship stage, affordable payment, and requested review into language you can use and a record you can print.
You receive
A tailored opening, account-specific questions, terms worksheet, and follow-up record.30-day bill calendar and cash-flow planner
Place dependable deposits, minimum bill amounts, and formal deadlines on actual dates to expose a cash gap that a monthly total can hide.
You receive
A daily balance calendar, lowest projected balance, first shortfall date, and consequence-sorted bill list.Which tool should you open first?
If a notice has a court, sale, shutoff, eviction, garnishment, or repossession date, start with the finder and protect that deadline. Use the bill calendar when monthly income looks sufficient but deposit and debit dates may not line up. Use the payoff planner to test a fixed debt payment. If you know whom to contact but need a clear request, build the call sheet.
Inputs, outputs, and limits
| Tool | Decision supported | Useful output | Boundary |
|---|---|---|---|
| Hardship-program finder | Where to verify help first | Route, urgency, records, and official links | Does not decide eligibility or calculate local legal deadlines |
| 30-day bill calendar | When available cash may fall below zero | Daily balance, first shortfall, and consequence order | Does not predict holds, fees, grace periods, or legal priorities |
| Debt payoff planner | Whether a fixed payment reduces debt | Two-scenario ledger and balance milestones | Does not predict fees, rate changes, or creditor approval |
| Hardship call planner | What to request and record | Tailored opening, questions, and call log | Does not contact the company or store account details |