You're in the right place.
I'm Francis. I was $616,000 in debt — IRS bills, business loans, credit cards. I figured it out myself without paying a single professional. This is the free tool I wish I'd had. Tell me what you owe and I'll show you exactly what to handle first — and why.
Takes 2 minutes
Instantly, no signup
And exactly why
Free · No account needed · No credit card · No sales call
Are you dealing with any of these?
Here's what you'll get:
⚡ Can levy without court order
💸 $560/mo in interest
📋 Negotiable at this stage
✓ Pay minimums — cheapest debt
Your plan uses your actual numbers — not this example.
Most apps sort by interest rate. That gives you the wrong answer when legal risk is involved.
See your own priority order — free
Show me what to handle first →If any of these sound like you, you're in exactly the right place.
You have IRS debt and don't know if it's serious yet
You're behind on taxes and terrified to open the mail
You have credit cards AND tax debt and don't know which to pay first
You have a business loan or SBA debt mixed with personal debt
You're being sued or garnished and need to know what to do now
You have multiple debts and you're just throwing money and hoping
If you recognized yourself in any of these — start here. It's free.
"I'm on VA disability and owed $37,000 to the IRS. I assumed I didn't qualify for anything. Turns out VA disability is excluded from the IRS income calculation — nobody had told me that. My entire situation changed."
— Veteran, $37K IRS debt
"I hadn't filed in 6 years and was terrified. I found out the failure-to-file penalty is 10x worse than failure-to-pay — and that First Time Penalty Abatement could remove thousands with one phone call. I had no idea."
— Self-employed, 6 years unfiled
"I was drowning in $25,000 in credit cards after losing my job. I called each card and asked about hardship programs exactly like I was told. Three of them reduced my APR immediately. I didn't know I could just ask."
— Single mom, $25K credit card debt
Situations shared with permission. Names omitted for privacy.
Most debt apps look at one thing: interest rate. We look at four. The result is a priority order based on what actually happens if you ignore each debt — not just what it costs you in interest.
Legal enforcement power
Some creditors can garnish wages or levy bank accounts without ever going to court.
Example: The IRS can levy your bank account in 30 days. A credit card company has to sue you first.
Consequence of inaction
Ignoring a debt for 90 days has wildly different outcomes depending on the debt type.
Example: Skip a credit card → late fees. Skip child support → suspended driver's license.
True cost of the debt
APR is part of the picture, but cheap debt with no leverage isn't the priority.
Example: A 3.75% SBA EIDL belongs near the bottom. A 22% credit card belongs near the top.
Time sensitivity
Some debts have clocks running. Knowing the clock can change your entire strategy.
Example: The IRS has exactly 10 years to collect. Most apps never even mention this.
APR alone misses the things that matter most: who can hurt you, how fast, and what it actually costs to ignore.
A real example based on a common debt situation. Your plan uses your actual numbers.
Total Debt
$147,000
Monthly Interest
$1,840
Debt-Free Date
Mar 2029
Your Priority Order
🏛️ IRS Federal Tax
Active notice — 8% APR
$42,000
CRISIS⚡ Can levy without court order
💳 Credit Cards
3 cards — avg 24% APR
$28,000
HIGH💸 $560/mo in interest
💰 Personal Loan
BHG — 17% APR
$35,000
ELEVATED📋 Negotiable at this stage
💼 SBA EIDL Loan
3.75% APR — good debt
$42,000
STANDARD✓ Pay minimums — cheapest debt
Example only. Your plan uses your actual debt data.
Enter your debts, see what actually needs attention first, and stop guessing based on interest rate alone.
Free · No account needed to start · Takes 2 minutes
Or get the free book first if you're not ready yetThe priority plan is the main thing. These help if you have a specific question or want to go deeper.
Most OIC calculators are designed to make you think you qualify — so you'll call a debt relief company and pay $5,000 upfront. This one isn't.
We'll give you the honest picture — including your assets — because that's what the IRS actually looks at.
When was the tax return for this debt due?
The complete book. How I eliminated $516,000 in debt over 18 months — IRS settlement, business loans, credit cards — without paying a single professional. 27,000 words. 12 chapters. Free.
Get the Free Book →No credit card. Instant email delivery.
THE
DEBT
PLAYBOOK
How I Eliminated
$516,000 in Debt
💬 FREE DEBT ADVICE
Ask anything about IRS debt, credit cards, SBA loans, or any debt situation. Get a real answer instantly — no account needed.
Two minutes. No account. No credit card. No sales call.
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