Session by session, we map out what you owe, build a budget that fits your real life, and figure out exactly what to do next — together.
No obligation. No enrollment fee. No credit check.
You stay in control the whole way. No one contacts your creditors for you — you leave each session knowing exactly what to do next.
I don't lend money and I don't settle debt. What I do is help you build the plan that decides what to do with the money you already have — and what to say no to next.
A payday loan or cash advance
A debt settlement program that contacts your creditors
A sales call in disguise
A coach who's seen the debt relief industry from the inside
A real, specific plan for your bills, due dates, and options
Someone in your corner between now and being debt-free
10-20 minutes, no cost. We go through what you owe, what's coming due, and whether coaching is even the right fit — I'll tell you honestly if it isn't.
We map every debt, every due date, and your real monthly numbers, then build a payoff order and budget that fits how you actually live.
Follow-up sessions to adjust the plan, work through setbacks, and keep you moving — not a one-time PDF you forget about in a week.
"I watched people sign up scared and hopeful, and not always come out ahead. I wanted to be the person who tells people the truth before they sign anything."
Hi, I'm Nick. I spent close to two years working in debt relief — talking with clients and helping people enroll in programs. What got to me wasn't the industry itself, it was watching people sign up hopeful and scared, and then not always seeing the outcome they were promised. I didn't want to be part of that anymore. I wanted to actually sit with people, build a real plan, and tell them the truth — even when the truth is "this isn't the right fit for you." That's why I do this differently now.
$125
One focused session on a specific question or decision.
$175/mo
The most common starting point for debt payoff and budgeting.
$95/mo
Monthly check-ins once your plan is built and working.
Every path starts with the same free 10-20 minute call — you won't be asked to commit to a package before that.
A settlement company negotiates directly with your creditors and often asks you to stop paying them, which can hurt your credit further. I don't contact your creditors or hold your money — I teach you the plan and the process, and you stay in control the whole way.
No — I'm not a lender and don't have access to lending products. If a loan genuinely is the right next step for you, I'll say so on the free call and point you toward reputable options rather than take your money for something I can't help with.
Say so on the free call. A single session or a lighter payment schedule is often enough to get you a real plan, and I'd rather adjust than have cost be the reason you don't get help.
No. Coaching covers budgeting, payoff strategy, and financial habits. For legal questions (like bankruptcy) or tax questions, you'll want a qualified attorney or CPA.
Tell me a bit about where things stand. I'll follow up to schedule your free 10-20 minute call — no commitment, no obligation.
I'll follow up by email within 1 business day to schedule your free call. If it's urgent, feel free to reach out directly.