For people in a debt relief program
Tell Clarity which of your debts are in your program. They come out of your payoff plan, their fees are kept apart from the fees you could stop, and the debts you still pay yourself keep a plan of their own.
Ask Clarity
Ask how much you paid in bank fees last month. You get every fee, every reversal and what’s left, built from your own transactions. Fees on the cards in your program get a section of their own, because they’re added to the balances your program negotiates.
$187.00 was charged in 6 fees, and $105.00 came back in 3 reversals. That leaves $82.00.
Added to the balances in your debt relief program. They're shown here, but they aren't counted as spending or as fees you could stop.
What changes when you’re in a program
A card in your program isn’t yours to pay down right now, so it comes out of the payoff order. Your plan ranks only the debts you’re still paying.
Late fees and interest on an enrolled card are added to what your program negotiates. ClarityTrack lists them on their own and leaves them out of your spending and out of the fees it suggests you cut. It doesn’t pretend they cost nothing.
A car loan, a student loan, a card you kept out of the program: each one still gets a payoff date and a place in your plan. In the demo, it’s a car loan at $325 a month.
A Pay Off All Debts goal still counts all of it, and says plainly which part your program is handling.
Tell Clarity your program’s name and the terms on your statement, then pick which of your debts are enrolled. It records your facts. It doesn’t recommend a program, and it never contacts one. Today this works for debt settlement programs.
It doesn’t enroll you in a program, talk to your creditors or negotiate anything. It never moves, sends or spends your money. It shows you where you stand while your program does its work.
The demo opens on a sample person with two cards in a program and a car loan they still pay. No signup.