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Welcome to the Debt Help Calculator

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Start
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Who's Debt?
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Lawsuit?
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Statute of Limitations
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Final
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Expectations:

What do you get?

  1. Clear path forward if you are facing debt collectors pursuing you or a debt collection lawsuit
  2. Statute of limitations estimate for your debt
  3. Debt resolution options comparison, cost and pros and cons
  4. 100% free

Requirements

  1. Usually takes 2 - 5 minutes.
  2. Does NOT require you to provide an email address or phone number to complete unless you'd like a free, informational evaluation.
  3. Available in all 50 states.

See What Others Say About Our 100% Free Service.

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Is It Your Debt?

These questions will help us estimate whether debt validation or debt dispute may be a path forward.

Are you sure that this is your debt?
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Would you like us to text you our free guide on how to determine whether it's your debt?
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Have you been sued?

These questions help us determine the status of the debt and potentially when you need to respond to the lawsuit by.

Have you been sued for the debt in question?
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Have you received the summons physically provided to you?
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Let's look at statute of limitation for your state

These questions help us estimate whether the debt is even within the statute of limitations for your state.

Do you know when the last payment date was for the debt?
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Let's look at your options to handle the debt

The purpose of these questions is to help determine your debt resolution options and the costs of those options.

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Which of the following best represents your approximate unsecured debt?
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Are you sure that you only have $0 in unsecured debt?
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Household Size:

What is your marital and filing status?
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You answered there is only one (1) person in your household, but you are married. Please confirm the number of people in your household.
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Are you 65 or older?
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Income:

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Which of the following best represents your approximate annual overtime income?
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Do you receive income from any other sources, e.g. SSN income, VA disability, business, retirement, alimony, child supports, etc.?
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Which of the following best represents your approximate annual other income?
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How consistent is the amount of your income?
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By providing your phone number and submitting your information, you agree to receive SMS messages from Ascend Finance and its partners regarding your inquiry and available options. Message frequency may vary. Standard message and data rates may apply. Reply STOP to opt out. Reply HELP for help. Consent is not a condition of purchase. Your mobile information will not be sold or shared with third parties for marketing or promotional purposes. View our Privacy Policy here and Terms of Use here.
Disclaimer: Ascend strives to keep its information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider or specific product's site. All financial products, shopping products and services are presented without warranty, and estimated APR and other terms are not binding in any way. All loans presented on this page have a maximum APR of no greater than 35.99% with terms not less than 12 months to not more than 60 months. As an example, a $10,000 loan with an APR of 14.50% and a term of 36 months would cost $12,391.55 over the life of the loan. All rates are determined by the lender and must be agreed upon between the borrower and the borrower's chosen lender. Your actual APR will depend upon factors evaluated at the time of application, which may include credit score, loan amount, loan term, and credit history. All loans are subject to credit review and approval. When evaluating offers, please review the lender and/or lending partner's Terms and Conditions for additional details.