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This tool brings clarity to a complicated situation — so you understand what you're working with before deciding what comes next. It does not provide legal advice, determine eligibility or outcomes, or recommend any course of action.
Debt Snapshot journey
Complete all four parts below. Your data saves locally as you work — no account required until payment. When you’re ready, click the payment button at the bottom to create your account and download your personalized Debt Snapshot PDF.
🔒 We don't collect your SSN or sensitive banking information. Ever.
🔒 Nothing is uploaded here. Your documents stay with you. This form only asks you to identify and locate the documents you have — check them off as you find them.
1Situation profile
Personal only
Business only
Both personal & business
1
2
3
4
5
6+
N/A — no business
Sole proprietor
LLC
S-Corp / C-Corp
Partnership
Behind on mortgage
Foreclosure in progress
Behind on car payments
Wage garnishment
Collection calls / letters
Tax liens / IRS issues
Behind on medical bills
Business cash-flow issues
Lawsuit or judgment against me
None of the above
No prior filing
Yes — within 8 years
Yes — over 8 years ago
Unsure
✓ Saved
2Monthly income & expenses
Enter your average monthly figures. Social Security income is noted separately — enter it for your own records.
Monthly income
Wages / salary (gross)
Net business income
Rental income
Pension / retirement
Social Security (excl. from means test)
Alimony / support received
Other income
Monthly income: $0
Monthly expenses
Housing / rent / mortgage
Utilities
Food / groceries
Transportation
Health insurance premiums
Out-of-pocket medical / dental
Child / dependent care
Other monthly expenses
Monthly expenses: $0
3Document checklist
Check items off as you locate them. Nothing is uploaded here — your documents stay with you.
4Creditor list
A complete creditor list is an important part of your preparation. Use credit reports from annualcreditreport.com to help make sure nothing is overlooked.
Total listed debt:$0
Ready to download your Debt Snapshot?
All required fields must be complete before payment. After the $10 payment, you’ll create your private account and your PDF will be ready to download immediately. Your data transfers automatically — nothing is lost.
One-time payment · No subscription · No commitment beyond this
NavigateMyDebt.com is not a law firm and does not provide legal advice. Use of this platform does not create an attorney-client relationship.
Before you go —
You can feel that something needs to change. Why not see what that first step could look like?