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A tracker for people dealing with large, mixed debt: back taxes, business loans, credit cards and secured loans. Follow each balance down, log every conversation with a creditor, and see what is due and when.
Most debt tools assume you can make every minimum payment and want to know which card to pay first. They have little to say about a tax bill, a business loan in default, or a settlement you agreed to over three years.
The Debt Playbook keeps all of it in one view. A settled balance is the amount you agreed to pay, not an interest schedule. A debt with a personal guarantee shows up where it reaches you. A conversation with a creditor is logged next to the debt, with the dates that matter.
Log a payment and watch the balance fall. A settlement shows the original amount, the agreed amount and what was eliminated.
Seven stages from silence period to closed, with timers, offers, counter-offers and expiry dates, so nothing lapses unnoticed.
Date, channel and what was said, kept next to the debt it belongs to. Sample letters fill in from the debt for you to edit.
Every scheduled payment next to your income for the month, with overdue ones marked.
Compare debts on rate, collateral, guarantees, government backing and days late. You get facts and things to check, never advice.
Settled debts are flagged so forgiven amounts are not a surprise at filing time. Each one has room for what your tax professional said.
Keep personal and business debts together or apart, see which guarantees reach you, and export everything to a spreadsheet.
Move a debt along as things change. Each stage keeps its own dates, offers and notes.
It is a record-keeping tool. It does not negotiate for you, it is not a debt relief, credit counseling or legal service, and it gives no legal, tax or financial advice. It cannot promise any result, and the examples here are illustrations.
Each account sees only its own data, and the database enforces that, not just the app. You can export your debts, payments and settlements to a spreadsheet at any time.
Built by Francis Nzeutem, who has managed more than $600,000 of mixed debt across back taxes, a business loan, credit cards and secured loans. This is the tool he wanted while doing it.
Sign in to your account to start tracking.