Credit card debt guidance
Free Assessment
Find your clearest path forward.
Two quick questions about your situation. Takes under 60 seconds.
Free to use — no obligation
No credit check or account access needed
Your information is not shared with a provider unless you request an introduction
Educational estimate in under 60 seconds
SouthPoint may receive compensation if you connect with and enroll in a third-party provider's services.
SouthPoint Financial
Credit card debt guidance
Step 1 of 2
How much credit card debt do you have?
Include all credit cards combined. An approximate amount is fine.
Total credit card debt ($)
SouthPoint Financial
Credit card debt guidance
Step 2 of 2
How much can you put toward debt each month?
Include what you currently pay toward all credit cards combined.
Monthly payment budget ($)
SouthPoint Financial
Credit card debt guidance
Your Options
Choose your path forward
Based on your numbers, you have two great options. Choose what feels right for you.
Book a Clarity Call
Talk to a real person who will review your situation, explain your options clearly, and help you decide the best path forward. No pressure, no sales pitch.
Free - 20 minutes - no commitment
Build My Own Plan
Get a personalized payoff strategy with your real numbers. We will calculate the fastest and cheapest path and check in with you monthly to keep you on track.
Free - takes about 2 minutes
Note: Debt management help requires a minimum of $10,000 in qualifying debt.
● Help May Be Appropriate
Book your free Clarity Call
A no-obligation conversation to help you better understand possible next steps. SouthPoint is not a debt settlement company, lender, law firm, credit counselor, or financial advisor.
Here is what happens next
1
Fill out the form below — takes about 2 minutes
2
We contact you about your requested Clarity Call
3
You decide if, when, and how to move forward. No enrollment is required.
Educational Estimate
Illustrative debt settlement estimate
Approximate total credit card debt ($)
Your Debt Situation
Approximate total credit card debt *
Number of creditors or cards *
Do you have accounts in collections? *
Have you stopped making payments? *
Have you received any legal notices from creditors?
What caused the debt? (optional)
What is your biggest concern right now? (optional)
Your Information
First name *
Last name *
Email address *
Phone number *
State you live in *
Best time to reach you *
By submitting this form, you request a Clarity Call and agree that SouthPoint Financial may contact you about your request. If you choose to be introduced to a third-party provider, your information may be shared with that provider. SouthPoint may receive compensation if you enroll in a provider's services.
● Your Personal Plan
Build your payoff illustration.
Enter your card details below for an educational estimate
Monthly Budget
Total you can put toward all cards each month.
Preparing your plan...
● Your Payoff Plan
Tell us about each of your cards.
Enter the details for each credit card. We will calculate your fastest and cheapest path out.
Your Credit Cards
Add each card with a balance. Include nickname, balance, interest rate, and minimum payment.
Monthly Budget
How much total can you put toward ALL cards each month?
Monthly payment budget ($)
Preparing your plan...
Thank you, friend.
We have received your information and will be in touch very shortly.
What happens next
1
Check your inbox - your Clarity Call scheduling link will arrive shortly. Use it to pick a time that works for you.
2
Before your call we will review the information you shared so we can have a real conversation about your specific situation - not a generic script.
3
On the call we will walk through your options honestly. If professional help is the right fit we will make a personal introduction to a vetted partner. No pressure - you always decide.
Your information is kept private and secure and used only to prepare for your Clarity Call.