Privacy & use of this site.
How the worksheet, downloads and website hosting handle your information.
Your worksheet stays here
This site does not ask for your name, contact details, account numbers, login credentials or Social Security number. It has no application form, advertising pixels or analytics scripts. Our fonts and scripts are served from this website.
Worksheet entries and checklist selections stay in page memory. They are not sent to a server, put in a link, or saved to local storage. Use Clear in the worksheet or Reset in the checklist when finished. Your browser may restore prior form or page state when navigating back. If you download or print a summary, that copy is yours to store and protect.
Our hosting and security providers process technical request information to deliver and protect the site. This can include your IP address, browser information, requested URLs and request times. Security services may set cookies to distinguish people from automated traffic. This is separate from worksheet entries: the worksheet does not send its amounts or notes to a server. Your browser may maintain its own history and download records.
Links to other websites
Following an external link opens a separate website governed by its own practices. We do not append worksheet entries or personal information to those links. DebtSettlementCost and SettleADebt share ownership; read the relationship disclosure.
How to use the information
The articles and arithmetic are general education for U.S. consumer debt. They do not provide individualized financial, legal or tax advice, verify a company’s license, determine the legality of a fee or promise a settlement outcome.
Confirm contract terms, creditor acceptance and due dates directly. The worksheet does not replace the agreement, an account statement or advice from a qualified professional. Examples are hypothetical; a lower number is not a provider recommendation.
Services available today
The guides, quote worksheet, checklist and downloads are available without an application. No provider is contacted by using these resources. If contact collection, analytics or provider introductions are introduced, this notice and the relevant visitor flow will be updated to explain the changes before those features are used.
Operated by Scott Rodriguez. DebtSettlementCost and SettleADebt share common ownership. Privacy notice effective October 15, 2026.