NovaAlways free
Free debt help that works
A step-by-step assistant for people negotiating debts. No paywalls, no upsells — just useful help.
Guided negotiation
Templates and scripts tailored to your situation.
Budget planner
See what you can actually afford before you commit.
Letter builder
Generate hardship and settlement letters in minutes.
Progress tracker
Log calls, offers, and outcomes in one place.
Rights explainer
Plain-language notes on what collectors can and can't do.
Always free
No credit card, no trial, no upsell.