Debt Next-Step Finder | Credit Proud

Cash on hand

Plan the bills due before your next income

Add each bill or basic need and read what missing it could trigger. Set the funding order yourself. The result is a short handoff: what to do today, this week, and later, with a call script and matching help next to each essential.

Set the order yourself. The category text covers common outcomes. Your contract, court order, local law, health, safety, and job needs may point to a different order.

Cash available for these items Do not include money needed for an expense you have not added below. Next income date Include bills due that day. A deposit may arrive after an autopay clears. What changed (optional) Used only inside your call scripts. Stays on this device; leave it blank to fill it in by hand.

Private to this browser. Entries and calculations stay on this device. Do not enter account numbers.

Your priority order

The first item receives cash first

Read the consequence under each item, then use the arrows to move it. For groceries, use the next shopping date.

0 items

Allocation safety rule

Automatic allocation pays full items down the list. It stops and leaves that cash unassigned when the next item cannot be covered. Manual amounts are kept where they fit the bills and available cash. No partial payment is assumed; confirm that a partial payment would help before entering one.

More help

Official sources by need

Your handoff places matching help next to each bill. This list covers the same sources in one place. Programs vary by place and eligibility.

Housing HUD lists participating counselors for rental, eviction, mortgage, and foreclosure problems. HUD Utilities USAGov links to LIHEAP and state utility shutoff rules. USAGov Food The USDA hotline connects callers with food providers and government nutrition programs. USDA Legal aid Locate an LSC-funded civil legal-aid organization for housing, family, or consumer matters. Legal Services Corporation Nonprofit credit counseling CFPB explains how to compare fees, credentials, contracts, and debt-management plans. CFPB

Method, sources, and limits

The CFPB worksheet asks people to weigh what a missed bill could trigger, with attention to housing, income, insurance, and court-ordered obligations. This planner uses the next income date to set the cash window and includes food. You still set the cash order. The handoff stages items by their own consequence category and due date: housing, utilities, food, work, insurance, and court-ordered items get a call today or this week when they are not fully funded; other creditors are contacted early; credit rebuilding is held until essentials and arrangements are stable, per CFPB and USAGov hardship guidance.

The Federal Reserve reported that 63% of adults said they would cover a $400 emergency expense with cash or its equivalent in 2025, unchanged from 2024.

This is educational information, not legal, financial, tax, or benefits advice. The planner cannot read your contract, calculate a court deadline, promise access to aid, or determine how a partial payment affects your rights. Confirm terms directly and seek qualified help when legal rights or safety are at stake.

Your situation

Tell us what is happening now

Choose the most urgent answer for each question. You will get one recommended next action—not a diagnosis or a sales pitch.

Account status Pick the most urgent status, even if more than one applies.

Yes Barely No

Use "barely" if the payment fits only by skipping essentials.

No Yes

Includes calls, letters, lawsuits, or collection account reporting.

No Yes

If yes, the deadline outranks payoff planning.

Your working list

Add one account at a time

Use a recent statement or written notice. Account numbers are not needed, and you can leave fields blank when they do not apply.

Private to this browser. Nothing is sent to Credit Proud. Saved organizer data stays on this device until you clear it.

Add one card, loan, collector, or lawsuit account at a time. Use the example only to see the format, then replace it with statement or notice details.

Use your list

Your visible milestone

Turn payoff math into a month you can track

Add the numbers from each statement, choose a monthly amount that leaves essentials covered, and turn the payoff comparison into a month you can track.

Private to this browser. Your card names and numbers are not sent to Credit Proud or included when you share the result.

1 · Add your cards

Use the latest statement for each balance

Account numbers are not needed. A nickname is enough.

2 · Make the plan realistic

Choose a payment you can repeat

Enter complete card details to see the current minimum-payment floor.

Total I can pay each month Include every card minimum plus the extra directed to one target card. First payment month Choose this month or next month so the estimate starts from a current balance.

Which plan do you want to track? AvalancheHighest APR first SnowballSmallest balance first

Does that payment fit after essentials? YesThere is room to repeat it BarelyOne surprise could disrupt it NoIt crowds out essentials

Included automatically

A modeled-minimum comparison and one month where an unexpected expense leaves room for minimums only.

Results update automatically

Your request

Set up the call before you dial

Choose what changed, what you want to ask for, and a payment you can sustain after essentials.

Issuer or card Use the issuer name from your statement. Hardship reason Choose the closest reason; edit the script after copying. Help requested Ask what changes reporting, APR, fees, or account access. Affordable monthly payment Use a number that leaves essentials covered.

What you can confirm

Check the notice against your records

Mark only the details you already have. The review will separate missing core information from useful follow-up checks.

Guardrail: Until validation details and any deadline risks are clear, avoid paying, promising payment, or sharing bank access.

0 of 8 checked. 0 of 4 core validation items. Progress is saved in this browser only — nothing is sent to Credit Proud.

Core detailsConfirm these before making a payment decision.

I have the collector's legal name and mailing address.Core The collector identified the original creditor.Core The notice lists the amount claimed and account details.Core I received written validation information.Core

Additional checksUse these to reduce reporting, ownership, and agreement risk.

I know who currently owns the debt. I compared the account with my credit reports. I checked whether the debt may be time-barred under state law. Any payment or settlement terms are in writing.