Resources
Free tools, videos, and guides to help you understand the path out of debt.
Videos
Short videos explaining each option. No sales pitch, just clarity.
The foundation. Why minimum payments don't work and how to think about your options. Watch this first before diving into the specific strategies.
Family & Friend Loans
Get an interest-free loan from family or a gemach without straining the relationship. The fastest path to freedom.
Best for
Supportive relatives
Credit
✓ No impact
0% APR Strategy
Transfer balances to 0% cards and attack principal fast. Families can save tens of thousands of dollars in interest as a result.
Best for
700+ credit
Credit
✓ Stays healthy
Debt Management Plan
Credit counseling reduces rates to 0-6%. One monthly payment. Done in 3-5 years. The simplest path for most families.
Best for
Most families
Credit
◐ Temporary dip
Debt Settlement
Negotiate to pay 30-50 cents on the dollar. Damages credit, but sometimes necessary when you truly can't pay.
Best for
True hardship
Credit
✗ Significant
Bankruptcy
Rarely needed for credit cards. When settling isn't an option and there's no money to pay even a reduced amount.
Best for
Lawsuits / No income
Credit
✗ 7-10 years
Quick Recap
A 1-minute summary to help you decide your next step. Not sure where to start? This will point you in the right direction.
Length
1 minute
Purpose
Decision guide
Calculator
See how much you could save on credit card debt
CURRENT ANNUAL INTEREST
$0
NEW ANNUAL INTEREST
$0
OLD MONTHLY PAYMENT
$0
APPROX NEW MONTHLY PAYMENT
$0
No obligation · 100% confidential
Podcast
Mordy Richler joined Eli Nash's In Search of More podcast for a 2-part series on debt, money, and what's really going on underneath.
Breaking down credit cards and what really happens when someone falls behind. Debt is rarely just about math.
A deep exploration of fear, success, and the internal struggle that can exist on both sides of money.
Articles
Trusted resources from leading financial publications.