Debt Help
Debt feels like a trap — but there’s real, free help, and you have more rights than you think. Here’s how to get out safely, without getting scammed on the way.
Pick what fits your situation below — each opens a real nonprofit or government resource. Or ✦ ask Sorcery AI to help you figure out where to start.
The safe first stop. NFCC-certified nonprofit counselors look at your whole situation and help you build a plan — often free or low-cost. They can set up a Debt Management Plan that may lower your interest.
Collectors can’t harass, threaten, or lie to you — and there are limits on when and how they can contact you. The CFPB explains your rights and has free sample letters you can send.
“Settle your debt fast” ads are often traps. The FTC breaks down the red flags — upfront fees, guarantees, pressure to stop paying creditors — so you can tell real help from a rip-off.
Never ignore court papers — but you may have defenses, and you don’t have to face it alone. Find free or low-cost legal aid in your state before any deadline passes.
Medical bills are the most common debt in collections — and they’re often wrong. Learn how to dispute errors, your special protections, and what collectors can and can’t do.
Counseling, a payoff plan, settlement, bankruptcy — the options are confusing. Tell Sorcery your situation and it’ll walk you through what fits, in plain language, with no sales pitch.