Prototype · Resolution execution
Resolution Planner
The affordability engine, sequencer, and execution layer. Connect your accounts so we can see real cash flow, layer in any side income, respond to creditor counters, and follow a step-by-step payment plan with exact amounts and dates.
Your cash flow
Connect your accounts for an accurate read
We'll pull your last 90 days of income and spending from your bank, savings, and credit cards (read-only) so your monthly resolution capacity reflects your real numbers. Disconnect any time. Doesn't affect your credit.
Income sources
Stack as many as apply — a main job, gig work, support payments, SSI. Each can have its own stability so the buffer is set per source.
$
$
Total monthly income$3,400
Monthly expenses
Rent, utilities, insurance, transportation.
Food, gas, household basics.
Net monthly
$530
income − expenses
Volatility buffer
9%
weighted across sources
Monthly resolution capacity
$485What you can realistically put toward resolving debts each month without falling behind on essentials.
Accounts to resolve
Each account's recommended strategy is calculated to the right.
Meridian Asset Group
$
Original: FirstTier Bank · Debt buyer · 32 mo old
Statute of limitations: 16 mo remaining of 48 mo total (FL)
Northland Recovery LLC
$
Original: OakBranch Financial · 3rd-party agency · 14 mo old
Statute of limitations: 34 mo remaining of 48 mo total (FL)
Sapphire Card
$
Original: Sapphire Card · Original creditor · 5 mo old
Statute of limitations: 43 mo remaining of 48 mo total (FL)
Cedar Health System
$
Original: Cedar Health System · Original creditor · 8 mo old
Statute of limitations: 52 mo remaining of 60 mo total (FL)
Apex Portfolio Holdings
$
Original: BluePoint Auto Loan · Debt buyer · 46 mo old
Statute of limitations: 4 mo remaining of 60 mo total (FL)
Your plan
Total debt
$9,792
across 5 accounts
Settlement target
$4,210
projected total cost to resolve
You save
$5,582
vs. paying every balance in full
Debt-free by
November 2027
about 18 months from today at this pace
Per-account recommendations (highest leverage first)
Meridian Asset Group
Balance $1,610 · Debt buyer
$0 to pay — this strategy doesn't cost you anything
Leverage 95/100Resolves in ~2 months
- Validation defect on file gives strong dispute leverage. Resolve through dispute first; settle only if dispute fails.
Apex Portfolio Holdings
Balance $880 · Debt buyer
$0 to pay — this strategy doesn't cost you anything
Leverage 80/100Resolves in ~4 months
- Statute of limitations expires in 4 months and the account is not reporting on credit.
- Waiting is a viable strategy — no money changes hands, and the legal collectibility expires.
Northland Recovery LLC
Balance $2,410 · 3rd-party agency
$964 (40% of balance)
Saves $1,446
Leverage 50/100Resolves in ~1 month
- Third-party agencies work on contingency and want quick resolutions.
Sapphire Card
Balance $4,280 · Original creditor
$464/mo × 6 months = $2,784
Leverage 25/100Resolves in ~6 months
- Recent original-creditor account. A structured settlement payment plan is the most realistic path.
Cedar Health System
Balance $612 · Original creditor
$66/mo × 7 months = $462
Leverage 25/100Resolves in ~7 months
- Recent original-creditor account. A structured settlement payment plan is the most realistic path.
Creditor counters waiting for you
One or more creditors have responded to your offers. Accept, push back, or reject — your choice.
Northland Recovery LLC
Original creditor: OakBranch Financial · Balance $2,410
You offered
$1,200
$200/mo × 6
→
They want
$1,133
Lump sum
Delta
$-67
less than you offered
Tradeline commitment: Settled in Full
We can close this today as a lump sum at $1,133 (TVM-equivalent of your plan at 20% annual). Tradeline will report Settled in Full within 30 days.
Meridian Asset Group
Original creditor: FirstTier Bank · Balance $1,610
You offered
$242
Lump sum
→
They want
$500
Lump sum
Delta
+$258
more than you offered
Tradeline commitment: Settled in Full
We can accept $500 lump as our floor on this file. Open to discussing.
Step-by-step plan
What to pay, who to pay, and exactly when. Plan payments default to the 15th of each month. Free actions (disputes, SOL waits) cost you nothing.
Meridian Asset GroupNorthland Recovery LLCSapphire CardCedar Health SystemApex Portfolio Holdings
May 2026
SMTWTFS
June 2026
SMTWTFS
July 2026
SMTWTFS
Month-by-month timeline
May 2026$485 of $485 capacity
Meridian Asset Group$0Send dispute letter — no money required
Apex Portfolio Holdings$0Hold — SOL expires in 4 months
Sapphire Card$464Plan payment 1 of 6
Cedar Health System$21Plan payment 1 of 7
$0 of $9,792 resolved (0%)
June 2026$485 of $485 capacity
Sapphire Card$464Plan payment 2 of 6
Cedar Health System$21Plan payment 2 of 7
$0 of $9,792 resolved (0%)
July 2026$485 of $485 capacity
Sapphire Card$464Plan payment 3 of 6
Cedar Health System$21Plan payment 3 of 7
$0 of $9,792 resolved (0%)
August 2026$485 of $485 capacity
Sapphire Card$464Plan payment 4 of 6
Cedar Health System$21Plan payment 4 of 7
$0 of $9,792 resolved (0%)
September 2026$485 of $485 capacity
Sapphire Card$464Plan payment 5 of 6
Cedar Health System$21Plan payment 5 of 7
$0 of $9,792 resolved (0%)
October 2026$485 of $485 capacity
Sapphire Card$464Plan payment 6 of 6
Cedar Health System$21Plan payment 6 of 7
$4,280 of $9,792 resolved (44%)