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An interactive tool that compares debt settlement, consolidation, bankruptcy, and other options side-by-side based on cost, time, and impact on credit score.
| Feature | Debt Settlement | Debt Consolidation | Bankruptcy |
|---|---|---|---|
| Average Cost | 15% - 25% of settled debt | Variable (depends on loan terms) | Court fees and attorney costs (average $1,500 - $3,000) |
| Time to Resolve | $200 - $500 setup fee + interest rates (6% - 18%) | 3 - 5 years | May drop credit score by 100 - 150 points |
| Impact on Credit Score | $300 - $1,500 | 3 - 6 months to file, 3 - 5 years for discharge | May drop credit score by 200 - 300 points |
| Monthly Payment | - | - | - |
| Debt Amount Eligibility | - | - | - |
This tool estimates how much users can save by opting for debt settlement compared to making minimum payments or other debt solutions.
Helps users determine if they qualify for debt settlement based on their debt amount, type, and income level.
Simulates how various debt settlement scenarios would affect the user's credit score, monthly payments, and overall financial health.
Estimates the total cost of debt relief programs and compares them to paying off debt traditionally over time.
An interactive guide to Tennessee-specific debt settlement laws and regulations users need to know before pursuing relief options.
Generates a personalized timeline for how long it would take users to become debt-free through settlement compared to other methods.
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