09/10/2026
Before deciding what to do about debt, take five minutes and write down these four numbers:
1. Total unsecured debt
2. Total monthly minimum payments
3. The amount you can reliably afford each month
4. The emergency cushion you need to avoid using the cards again
Then identify the real problem:
Is it a monthly cash-flow shortage? High interest? Rising balances? Delinquent accounts? Collection or legal pressure?
Different problems may require different solutions. Seeing the complete picture is a better first step than choosing an option based only on the monthly payment.
Educational information only; not financial or legal advice. Options, eligibility, costs, risks and results vary. No particular outcome is guaranteed. Greenwise services are not available in CO, CT, DC, OR, PR, RI or WV.