Debt Solutions Today offers a proprietary debt elimination system that uses mathematical algorithms to calculate accelerated payoff strategies without refinancing or consolidation.
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Debt Solutions Today operates from Fishers, Indiana and markets a 15-year-old proprietary debt elimination system. According to their website, the company has helped clients pay off over $2.3 billion in consumer debt using their mathematical algorithm-based approach.
The company's core offering is a software-based system that analyzes a client's income, debts, and household expenses to generate a customized debt payoff plan. The system provides clients with an exact debt freedom date, a GPS-style dashboard showing payoff progress, 3-month expense forecasts, and turn-by-turn payment directives. Clients access the platform online 24/7, and the system can sync with banking accounts. The company emphasizes that their solution requires no refinancing, loan consolidation, credit counseling, bi-weekly payments, or debt settlement.
Debt Solutions Today distinguishes itself by claiming clients can pay off 30-year mortgages in 10-12 years and consumer debt in 1/3 to 1/2 of scheduled time without major lifestyle changes. The company offers a complimentary debt analysis and positions this initial consultation as the way to determine qualification and receive an exact payoff date.
However, important caveats apply: the system only works if accurate financial information is provided, all payoff directives are followed strictly, and positive cash flow exists. The company's disclaimers note that outcomes vary by situation, payoff dates require all debts to be included and information to be accurate, and any debts added later will adjust the original payoff date. The system is fundamentally a debt prioritization tool, not a loan product or settlement service.
When evaluating debt relief companies, consumers should compare settlement programs against alternatives like debt consolidation loans, which combine multiple debts into a single fixed-rate payment. Credit counseling through nonprofit agencies offers free budgeting help without impacting credit scores. For those whose credit has already been damaged, credit repair services can address inaccurate negative items on reports. Personal loans for bad credit may provide funds for debt payoff at lower rates than credit cards, and credit monitoring services help track progress throughout the recovery process. Consolidating high-interest balances into a single installment loan with a fixed rate can reduce total interest paid and simplify monthly budgeting.
While repairing your credit, a secured card can add payment-history context when it reports to the bureaus. Compare deposits, fees, bureau reporting, and any no-credit-check claims directly.
This is state-level context for Debt Relief consumers in Fishers, IN. It does not confirm that Debt Solutions Today or this specific location is licensed.
State regulator
Indiana Department of Financial Institutions
Consumer protection
Relevant law: Indiana Credit Services Organizations Act (Ind. Code § 24-5-15-1 et seq.)
Registration: Required with Indiana Attorney General
Upfront fees: Listed as prohibited in the current CreditDoc state summary
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Debt Solutions Today offers 12 services including Complimentary debt analysis with exact payoff date calculation, Proprietary debt elimination algorithm analysis, Online dashboard with GPS-style payoff tracking and progress visualization, Turn-by-turn monthly debt payment directives, 3-month rolling expense forecast and payoff assignment planning, and 7 more.
Debt Solutions Today has profile signals associated with Disciplined individuals with stable income who want a structured, algorithm-driven debt payoff roadmap without refinancing, Households with multiple debts (mortgages, car loans, credit cards, student loans) seeking a unified prioritization strategy, Consumers who prefer automated guidance and want to avoid traditional debt consolidation or settlement, People seeking accountability and ongoing system-generated payment directives to stay on track.
Key strengths: Offers free initial debt analysis with no obligation; Provides exact debt freedom date calculation (month, day, year) based on mathematical algorithms; 24/7 online access to dashboard and payment directives from any device. Areas to consider: System effectiveness depends entirely on strict adherence to all generated directives—deviations will reduce accuracy and extend payoff timeline; Requires positive cash flow to function; if expenses exceed income, the system cannot work and may require lifestyle adjustments contrary to marketing claims.
In the Debt Relief category, comparable providers include Cheddar Capital in Dallas Texas, E-FIX CREDIT Inc., The Credit Repair. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Debt Solutions Today is profile signals for organized, income-stable consumers who want a structured algorithmic approach to debt prioritization without refinancing or consolidation. The critical caveat is that the system's success depends entirely on accurate financial disclosure, strict adherence to all generated payment directives, and maintaining positive cash flow—any deviation will compromise the promised payoff timeline.
Cheddar Capital offers business term loans, equipment financing, and lines of credit up to $500K for small businesses in Dallas with provider-stated same-day approval timing claims.
Google rating from 3 reviews
Profile signals: Small business owners in Dallas needing equipment financing with flexible terms, Businesses seeking business lines of credit or term loans for operational cash flow
E-FIX CREDIT INC. is an all-in-one business credit and funding platform that helps entrepreneurs build business credit, improve lender qualification, and access multiple funding options without hard credit inquiries.
Google rating from 36 reviews
Profile signals: Small to mid-sized business owners seeking to build business credit separate from personal credit, Entrepreneurs preparing for multiple funding applications who want pre-qualification and lender readiness assessment
Credit repair company serving NYC tri-state area that disputes inaccurate items on credit reports and offers lending assistance for major purchases.
Google rating from 6 reviews
Profile signals: NYC tri-state residents with inaccurate negative items on credit reports seeking professional dispute assistance, Consumers planning major purchases (home or auto) who need credit repair before applying for financing
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example
You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
The CFPB is your most powerful ally against high-cost lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example
A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and are required to stop contacting you if you request in writing.
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you may have a right to sue for up to $1,000 per violation plus attorney fees.
Example
A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and has obtained a judgment.
Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.
Example
You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.
A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.
Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.
Example
You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.
A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.
Chapter 13 may be more relevant than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.
Example
You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.
A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.
Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income is generally required to be below your state's median to qualify.
Example
You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example
You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example
An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Consolidation is generally most useful when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example
You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.
Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.
Example
You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.
Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.
Example
A credit card company sues you for $8,000 and has obtained a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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