Let's Find the Best Next Step for Your Financial Situation

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Your Assessment Has Been Received

Our team is reviewing your responses to determine which options may best fit your situation. If additional information is needed, we'll contact you using the information you provided.

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Where should we send your personalized results?

What best describes your current financial situation? *

Credit card debt Behind on monthly payments Collections Medical debt Personal loans Other

Are you currently dealing with any stressful collection calls, letters, or threats from creditors?

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Did you know?Collection agencies must follow federal and state consumer protection laws when attempting to collect a debt.

Many people tell us the constant phone calls and letters are the hardest part.

Yes No

Roughly how much unsecured debt are you currently managing?

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Did you know?The amount of debt is only one factor. Income, account status, and other details often matter just as much.

Such as credit cards, personal loans, or lines of credit.

Under $5,000 $5,000 - $9,999 $10,000 - $24,999 $25,000 - $49,999 $50,000 - $99,999 $100,000+

Are you currently in an active bankruptcy?

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Did you know?An active bankruptcy changes the solutions available, but it doesn't always eliminate them.

This helps us point you in the right direction.

Yes No

Have you been formally served with a lawsuit by any of your creditors?

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Did you know?Responding quickly after a lawsuit is filed often provides more options than waiting.

Being sued changes which options are available.

Yes No

Are you currently in a debt settlement program?

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Did you know?Not every financial relief option involves debt settlement. Different situations call for different approaches.

Some programs work alongside debt settlement, while others do not. This helps us recommend the best next step for you.

Yes No

Your Personalized Results Are Ready! Where should we send them?

We'll review your responses and prepare the recommendations that best fit your situation.

First Name *

Last Name *

Email Address *

Phone Number * If your assessment shows you may benefit from additional assistance, we'll reach out to review your options.

By checking this box, I agree to receive text messages from Hardship Helpdesk about my request and related hardship-relief information. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out. Consent is not required to submit this request.

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Hardship Helpdesk provides independent consumer education frameworks. We do not provide formal legal, bankruptcy, accounting, or registered investment advisory services.