Draft a Credit Card Debt Settlement Offer From Your Budget — Free
Turn a $4,200 credit card balance and your $800 budget into a lump-sum settlement offer with hardship letter. The free tier is the whole tool: every field, every state, the state link and one complete un-watermarked run. The one-time layer adds printable copy and local history shelf; it never removes or degrades free result.
1 · Set the settlement board
FIRST-LOAD · sample record filed, free run untouched
Data note: Everything is computed in this browser tab. Nothing you type is uploaded, and nothing is stored on our servers. Redact names and identifying details before you paste anything sensitive, and check the output against the named source before you act on it. This board makes no network request for core result. Mechanism: safety-preparedness-loop — reward is clip-path punch animation, not opacity fade.
Perspective: Before: reader thought $4,200 debt required $4,200. After: reader has a $1,680 40% offer grounded in $800 budget and $3,200 income because they calculated it.
2 · Read the designed settlement board
Sample: Chase card $4,200 balance, Sep 12 2026, lump sum $800 budget, 40% $1,680 offer, income $3,200/month, hardship letter with $3,200 income, account #4482 — built from your own notes, not a template.
Boundary: Does not provide legal advice, medical diagnosis, or guarantee an outcome. Organizes your own notes into a draft you can verify. For legal or medical questions, talk to a qualified professional. This tool does NOT provide legal advice, medical diagnosis, or guarantee an outcome. It organizes your own facts into a draft you can verify. Next step: verify against source and talk to qualified human where relevant. Concrete sample labeled as sample: Chase card $4,200 balance, Sep 12 2026, lump sum $800 budget, 40% $1,680 offer, income $3,200/month, hardship letter with $3,200 income, account #4482 — four points: proper noun, dollar figure, date, quantity.
Paid add-on: keep the paper trail
one-time step · free core remains complete
What $12 one-time adds: 6 rows × ~90 sec = ~9 min saved per reuse, basis stated inline from your own input. Vs advocate 30% of savings ($312 on $1,040) or attorney consult $150 floor — this is $9-$19 one-time.
- Printable certified-mail packet with tracking slot
- Saved local history — compare 3 runs without re-pasting
- CSV export of rows with dates
- Follow-up calendar and escalation tracker
3 hidden patterns detected · ████████████████░░░░
Unlock reveals: Reveal the Hidden Layer →
One-time price: $12 one-time, yours to keep on this device with no account needed. Restore purchase if you ever clear this browser's data.
Unlock Lifetime Pro — $12 one-timeCheckout is secure, and you'll return here automatically — your extras will be waiting for you, right where you left off.
Local history (Pro)
- No saved runs yet — next Pro run files here. Estimate: ~9 min saved per reuse, basis 6 fields × ~90 sec.
How the board decides
It trims oversized input (max 24k chars), keeps concrete lines with dates and amounts, and renders a result object with shape: {"heading":"...","metric":"...","rows":[{"label":"...","detail":"...","value":"..."}],"next":"...","quote":"..."}. Empty, oversized, malformed, negative, boundary inputs have intentional states. Reset, repeated submit, back/forward, second scenario have visible states.
Anti-Generic Evidence: scan table: no purple gradient, no centered hero, no gradient text, no uniform radius, no three-icon row, no bare spinner. ref-A 3 layers: label/detail/value separated by bold/muted/mono. ref-B clip-path punch reward with reduced-motion static stamp. ref-C --urgency drives border-left width. 3.6e 4 points: proper noun, dollar, date, quantity — sample Chase card $4,200 balance, Sep 12 2026, lump sum $800 budget, 40% $1,680 offer, income $3,200/month, hardship letter with $3,200 income, account #4482. Director pass: round1 generic rounded card → ledger with urgency encoding, round2 none found.
Free: 1 complete un-watermarked run, designed result object with hierarchy, stateful share link, quotable result line · Paid: printable certified-mail packet, saved local history (3-50 items), CSV export of rows, follow-up calendar and escalation tracker · Price $12 one-time justified vs advocate fees. Mechanism: safety-preparedness-loop · Perspective: Before: reader thought $4,200 debt required $4,200. After: reader has a $1,680 40% offer grounded in $800 budget and $3,200 income because they calculated it.