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Stopping debt collectors
Debt Resolution

Feb 4, 2026

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What is the 11-Word Phrase to Stop Debt Collectors?
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Apr 3, 2024

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Try the JGW 70-Day Financial Fitness Challenge

by

JG Wentworth

•

April 28, 2023

•

1 min

Game pieces that spell out a hybrid of "wealth" and "health"

Summary

The JGW 70-Day Financial Fitness Challenge is a structured habit-building program designed to help people develop healthier personal finance habits over a 10-week period.
  • Research from University College London found it takes just over two months on average for a person to form a new habit, the scientific basis for the 70-day challenge timeframe.
  • The challenge includes a free, downloadable worksheet that participants can print and use to organize goals and track daily financial progress.
  • The program focuses on building financial discipline through consistency, targeting improvements in budgeting, saving, and overall money management behavior.
If building better financial habits is part of your path to becoming debt-free, explore how JG Wentworth's debt relief solutions can support your goals.

According to a study from University College London, it takes just over two months on average for a person to form a habit.

When it comes to improving your financial life, it takes discipline and consistency. You need to commit to yourself to form healthy financial habits and meet your goals.

That’s why we’ve started the 70-Day Financial Fitness Challenge!

Want to know how the challenge works? Our free, printable worksheet can help you get organized and track your progress.

Download here!

 

Sources cited

1. Clear, J. (n.d.). How long does it actually take to form a new habit? (backed by science). James Clear. Retrieved from https://jamesclear.com/new-habit

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About the author

JG Wentworth

JG Wentworth is a financial services company that specializes in structured settlement/annuity purchasing and debt relief solutions, among other offerings. For over 30 years, we have established a sterling reputation, including an A+ from the Better Business Bureau, a 4.8 rating with TrustPilot, and 4 stars from Consumer Affairs among countless rave reviews from satisfied customers.

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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.

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