Take The Assessment
Not sure which debt relief option is right for you? Our guided assessment will help you understand which approach aligns best with your financial situation.
Question 1 of 16
6%Approximately how much unsecured debt do you have?
What is unsecured debt? Unsecured debt is money you owe that is not backed by collateral (like credit cards, personal loans, medical bills, and payday loans). Unlike secured debt (home mortgages, car loans), creditors cannot repossess assets if you don't pay.
Speak With a Professional
Share your information and we'll have a professional contact you to discuss your personalized options.
Thank You!
You will receive a call from a Financial Consultant from New Start Capital
How The Assessment Works
Answer Questions
Answer 15 simple questions about your financial situation, goals, and preferences.
Get Recommendation
We analyze your responses and recommend the option that best fits your situation.
Take Next Steps
Learn more about your recommended option and explore related tools and resources.
Four Main Options
Debt Consolidation
Combine multiple debts into a single loan with a lower interest rate. Simplifies payments but requires good credit and repays the full amount.
Learn more →Debt Settlement
Negotiate directly with creditors to reduce balances, lower interest rates, or restructure payment terms without going through bankruptcy court.
Learn more →Chapter 7 Bankruptcy
Eliminate most unsecured debt through a court-supervised liquidation process. Typically takes 3-6 months with no repayment plan.
Learn more →Chapter 13 Bankruptcy
Reorganize debts with a 3-5 year court-supervised repayment plan while keeping your assets and stopping creditor actions.
Learn more →Frequently Asked Questions
Is this assessment accurate?
This assessment is a helpful starting point to understand which option might be worth exploring further. However, every financial situation is unique. We recommend consulting with a qualified financial advisor or bankruptcy attorney for personalized advice based on your complete financial picture.
Will taking the assessment affect my credit?
No. Taking this assessment has absolutely no effect on your credit score or credit report. It's a free educational tool with no formal connection to any creditors or credit agencies.
What if I don't agree with the recommendation?
That's completely okay! This assessment is just one perspective. Your situation may have complexities that the assessment doesn't capture. We encourage you to explore all four options using our comparison tool and learning resources, then make the decision that feels right for you.
Can I retake the assessment?
Absolutely! You can retake the assessment as many times as you'd like. Each time you'll get a fresh analysis based on your current answers. This can be helpful if your financial situation changes or you want to explore different scenarios.
What happens after I get my recommendation?
After you receive your recommendation, you can explore detailed information about that option, compare it to other options, use our financial calculator to see estimates for your situation, and speak with a professional that we recommend who can provide personalized guidance.
Ready to Find Your Path?
Whether you take the assessment or prefer to explore on your own, we're here to help you understand your options and make an informed decision.