Hardship Script Generator.
Prepare a focused issuer hardship call script for fee waivers, due-date changes, lower APRs, or temporary payment plans.
Emergency check
Court papers or a lawsuit deadline?
Find the response deadline, court, case number, plaintiff, and attorney from the papers before negotiating or paying.
Educational planning aids only, not legal, tax, or financial advice. Court deadlines, state statutes of limitation, bankruptcy eligibility, tax treatment, and collector licensing can depend on facts and location.
Start here
Choose the situation closest to yours.
Tool 01
Debt triage tool
Use this if... you are unsure which issue is most urgent or more than one account is changing status.
Tool 02
Debt account organizer
Use this if... you need one list of balances, due dates, status, lawsuit deadlines, and risk notes. Saved entries stay in this browser.
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.
Tool 03
Avalanche vs. snowball calculator
Use this if... accounts are current or close to current and you can pay more than minimums. Compare highest-APR-first and smallest-balance-first paths.
Start with real statement numbers. Each card needs a balance, APR, and minimum payment before the comparison can run.
Tool 04
Hardship script generator
Use this if... you are late, about to be late, or need to ask an issuer about fee waivers, due-date changes, or hardship terms.
Tool 05
Collector validation checklist
Use this if... a collector, debt buyer, or collection law firm contacted you and you need to check the account before paying.
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.