According to a 2014 study by The Urban Institute, roughly 77 million Americans or about one third of adults have a report of a debt in collection. These adults owe an average of $5,178. Debt in collections involves a non-mortgage bill, such as a credit card balance, medical or utility bill that is more than 180 days past due and has been placed in collections.

This web site was developed as a resource for individuals who may be in the midst of their own personal debt challenges. We understand that, regardless of the amount of money you owe, managing personal debt can be a stressful process for most people. But that doesn’t have to be the case. There are many resources available to help you reduce your debt and improve your financial situation. We have collected what we believe to be the best resources for addressing debt challenges, understanding credit scores and planning for your financial future. Other resources like ShopperFund allow you to reduce your debt while shopping at your favorite retailers.