Take Control of Your Debt. Understand Every Obligation.
One secure workspace for creditors, loans, payments, repayment plans, due dates and documents, for households and small businesses. Your numbers come only from what you enter or import.
Records only. This service never moves money.
A calm, complete record of what you owe
Built for credit cards, personal, auto, student and medical loans, mortgages, tax debts, collections and buy-now-pay-later plans, as well as business loans and lines of credit.
Every creditor, one directory
Contacts, portals, addresses and follow-up dates for banks, lenders, medical providers, agencies and collectors.
An auditable ledger
Balances are built from recorded entries: opening balance, charges, interest, fees, payments and approved adjustments.
Due dates you won't miss
A calendar of installments and follow-ups with in-app reminders 7, 3 and 1 days ahead, on the day and when overdue.
Payoff strategies, compared
Current, snowball, avalanche and custom order side by side: total interest, monthly commitment and debt-free date.
Spreadsheets in and out
Import CSV or XLSX with column mapping, validation and duplicate review. Export reports as PDF, XLSX or CSV.
Private by design
A separate workspace per account, secure sessions, optional authenticator MFA and private document storage.
Your workspace starts empty, with no sample data.
Or import them from a spreadsheet you already keep.
Watch balances, schedules and payoff estimates update.
Creditor & Debt Tracker is a record-keeping and planning tool. It is not financial, legal or tax advice, does not contact creditors on your behalf, and makes no compliance certification claims.