Debt Resolution

Debt Resolution

Blank blocks on wooden seesaw representing the two debt options
Debt Resolution

Oct 31, 2025

12 min

How is Debt Counseling Different from Debt Settlement?

Debt counseling and debt settlement are fundamentally different solutions designed for different financial situations....
Man drafting a debt settlement letter with pen and paper
Debt Resolution

Oct 31, 2025

13 min

How to Write a Debt Settlement Letter

A debt settlement letter can serve as a powerful tool to negotiate with creditors and potentially reduce your financial burden. Let’s walk you through everything you need to know....
Man stressed looking at options for help with debt
Debt Resolution

Oct 31, 2025

13 min

What’s the Difference Between Debt Settlement and Management?

Struggling with debt? Debt settlement and debt management both promise relief, but they work in fundamentally different ways....
Two wooden blocks with someone holding a puzzle piece with "mediation" in between them
Debt Resolution

Oct 31, 2025

12 min

Understanding Debt Mediation

Debt mediation represents a middle ground between struggling alone with unmanageable debt and taking more drastic measures like bankruptcy....
Man at computer reading options between debt relief and bankruptcy
Debt Resolution

Oct 31, 2025

11 min

Debt Relief vs. Bankruptcy

Debt relief and bankruptcy both offer solutions to those struggling with debt, however are extremely different....
FHA loan written on the model of home.
Debt Resolution

Oct 28, 2025

11 min

FHA Loan Debt-to-Income Ratio Requirements

Let's look at the DTI (Debt-to-Income) requirements associated with FHA (Federal Housing Administration) home loans....
Man stressed after receiving debt summons
Debt Resolution

Oct 28, 2025

12 min

Sample Answer to a Credit Card Debt Summons

Receiving a summons for credit card debt can be extremely stressful. This sample response will help you respond....
Electronic highway billboard with government shutdown ahead warning
Debt Resolution

Oct 27, 2025

11 min

Do I Still Have to Pay My Debt During a Government Shutdown?

The short answer is unequivocally yes—you absolutely must continue paying your debts during a government shutdown....
The symbolic residence of the US President, the White House, against the backdrop of the American flag and coins
Debt Resolution

Oct 17, 2025

16 min

Government Employees and Debt

Understanding how debt and financial management intersect with federal employment is crucial for the everyday government workers who make up the backbone of federal operations....
woman writing a list of debt on notebook calculating her expenses with calculator
Debt Resolution, Personal Loans

Oct 17, 2025

7 min

Best Personal Loans for Getting out of Debt

A personal loan can simplify your finances by combining multiple debts into one payment—but only if you choose wisely. But which personal loans are the best?...
Debt consolidation loan form, notepad and calculator.
Debt Resolution

Oct 17, 2025

15 min

How to Apply for a Debt Consolidation Loan

Debt consolidation combines multiple debts into a single payment, but knowing how to navigate the application process is crucial....
Customers at bank listening to financial offers from bank
Debt Resolution

Oct 7, 2025

15 min

Why Banks Try to Sell You Credit Cards and Personal Loans

Banks are in the business of lending money, and they're persistent about it. But understanding why they push these products is important....

The numbers we provide here are estimates based on some assumptions:

On your own:

Based on industry averages, we estimate a monthly compounding interest rate of 22.99% and that you are making a minimum payment that is 2.5% of your total debt.

JGW:

The length of your program is determined by your debt amount. Programs are between 24 and 60 months in length and average program length is around 42 months.

Savings amount is an estimate base on average customer savings on their monthly payment. Real results will vary and some customers will save more, less or not at all.

Disclaimer: The calculator on this web site is for estimation and educational purposes only. JG Wentworth makes no guarantees regarding its accuracy and specifically disclaims any and all liability arising from the use of this or any other calculator on this web site. Use at your own risk and verify all results with an appropriate financial professional before taking action. We are not registered investment advisers, attorneys, CPA’s or other financial service professionals and do not render legal, tax, accounting, investment advice or other professional services.

Your entered value is significantly different from our estimate. You can adjust it for accuracy, or continue as is.

FYI, this option
requires collateral

This could include items you own such as
Your vehicle
Housing fixtures
Using collateral can boost your approval chances and/or ability to secure a lower APR. Would you like to continue?