DebtFixNavigator helps you understand debt relief, credit repair, and personal loans in plain English.
We focus on practical tradeoffs: what each option does, what it costs, what can go wrong, and when it actually makes sense.

What we cover

• Debt Relief: settlement, counseling/DMPs, hardship programs, legal risk basics, scam red flags, tax considerations (1099-C).
• Credit Repair: credit score basics, disputes, late payments, collections, utilization, identity theft steps.
• Personal Loans: APR and fees, requirements, DTI, prequalification, comparing offers, consolidation vs balance transfers, bad-credit options.

Our editorial approach

We aim for accuracy, clarity, and realistic expectations. Articles are written to explain:

• how the process works step-by-step,
• common mistakes to avoid,
• questions to ask before you commit,
• where outcomes vary by lender, state, and personal situation.

How we’re funded

DebtFixNavigator may earn compensation from affiliate links. This does not change what we cover, but it may affect where and how providers are listed. We do not accept payment to publish misleading claims or guaranteed results.

About the author

Content is written and reviewed by Alex Carter, a consumer finance writer covering debt relief, credit scores, and borrowing decisions. He focuses on clear, step-by-step guidance and practical tradeoffs so readers can choose options that fit their situation.

Important disclaimer

Information on this site is for educational purposes only and is not financial or legal advice. Outcomes vary. For advice specific to your situation, consult a qualified professional.