PulseNetworkHoldings presents
Your Debt Does Not Define You.
PulseDebtFree is built for the moment everything feels impossible. Whether you are trying to understand your options, organize a filing, or rebuild after discharge — this is your tool. Honest information. Real math. No sales pressure. No false promises.
Open the Organizer ToolIs DIY right for me?Section I
Is DIY Bankruptcy Actually Right for You?
The honest answer: it depends. Bankruptcy courts allow anyone to file without an attorney (called filing "pro se"). Many straightforward cases are filed that way. But some situations genuinely need legal help. Here is how to tell the difference.
Cases that tend to be more straightforward for pro se filers:
- Debt is mostly unsecured (credit cards, medical bills, personal loans)
- No significant non-exempt assets at stake
- Income is at or below your state median (passes the first means test step)
- No active lawsuits or judgments from creditors
- Not trying to save a home from foreclosure
- No co-signers whose credit you are trying to protect
- No recent bankruptcy filings in your history
Complexity flags — if any of these apply, legal aid is worth a call first:
- You own or co-own a business or partnership
- A creditor has a lawsuit or judgment against you (being sued or garnished)
- You have significant non-exempt assets — real estate beyond your home, collectibles, business equity
- You have priority debts — recent income taxes (within 3 years), child support arrears, or domestic support obligations
- Another person co-signed a debt with you and you want to protect them
- You filed bankruptcy within the past 8 years
- Your income is significantly above your state median
- You have recently transferred property or paid back a family member
Cases without any complexity flags are the most commonly filed pro se. Cases with one or more flags are not impossible to file without an attorney, but those are exactly the situations where an hour with a legal aid attorney — often free for qualifying filers — is genuinely worth it. This app points you to legal aid resources for every state.
Section II
What Does Each Path Actually Cost?
Below is an honest side-by-side of the three paths most people consider. Every dollar figure needs to be verified against current sources — every placeholder is marked. Attorney time is typically billed including calls and emails, which is a factual cost to understand, not a reason to resent it.
This App's Path
DIY + This Packet
Court filing fee (Chapter 7)
Source: uscourts.gov. Chapter 13 is $313. Fee waiver available if income under 150% federal poverty guidelines.
Credit counseling course
Source: U.S. Trustee / Upsolve 2026. Must use an approved agency.
Debtor education course
Source: U.S. Trustee / Upsolve 2026. Required before discharge is issued.
This organizing packet
Typical total (Ch. 7, no waiver)
~$517–$552. Figures current as of June 2026 — verify before relying on them.
Bankruptcy Attorney
Attorney fees (Chapter 7)
Source: Nolo / CuraDebt 2026. Varies by market; high-cost cities go above this range. Legal aid may be free if you qualify.
Court filing fee
Same as DIY — paid by you regardless. Source: uscourts.gov.
Credit counseling + education
Same as DIY — paid by you regardless. Source: U.S. Trustee / Upsolve 2026.
Typical total
~$1,358–$3,913+. Figures current as of June 2026 — verify before relying on them.
Debt Settlement Program
Program fee
Source: FTC Telemarketing Sales Rule / CBS News / Money 2026. Fee may only be charged after a debt is settled.
Avg net savings (if it works)
Source: Money 2026. Roughly 1 in 4 customers settle no debts at all.
Program length
Non-payment period; credit damage ongoing. Source: industry disclosures.
Forgiven debt may be taxable
Forgiven debt over $600 reported as income. Source: IRS / CFPB.
Example on $20,000 of debt
20% fee = $4,000. Plus ongoing credit damage. Figures current as of June 2026.
What Is Included
Every Tool You Need to Organize Your Filing
01
Chapter Orientation
Plain-language explanation of Chapter 7 vs. Chapter 13, with a guided readiness check and honest complexity flagging.
02
Means Test Calculator
Income vs. state median math, shown as arithmetic. You see the numbers. You draw your own conclusions.
03
Courtroom Math
Out-of-pocket filing costs, fee waiver estimator, total debt tally by type — all the numbers in one place.
04
Creditor Tracker
Build your creditor schedule as you go. Name, balance, account number, type. Ready for export.
05
Deadline Timeline
Enter your planned filing date. The tool populates the key deadline calendar automatically.
06
Document Checklist
Everything you need to gather. Check it off as you go. Camera capture with timestamps on mobile.
07
Practice Forms
Real-feeling versions of the schedules with plain-language explainers. Clearly watermarked — not for filing.
08
Your Situation Scenarios
Pick your situation — medical debt, garnishment, behind on a car — and get an honest explanation of your options.
09
Glossary
Every bankruptcy term you will encounter, explained in plain English.
10
50-State Resources
Federal court, state exemption rules, and legal aid link for all 50 states. Verified and dated.
11
Your Options Honestly Compared
Debt consolidation, debt settlement, hiring an attorney, and DIY — the honest comparison, sourced.
12
Export Packet
Paid deliverable: your organized creditor schedule, timeline, and document index — formatted for court or a legal aid attorney.
Section III
Simple, Honest Pricing
The organizer is free to use. Pay only when you are ready to export your packet. Cloud storage is an optional add-on at checkout — not a requirement.
Always Free
Free Organizer
$0
- Chapter orientation & readiness check
- All educational tools (glossary, scenarios, comparisons)
- Means test calculator — view results
- Deadline timeline
- Up to 3 creditors in tracker
- 1 practice form
- All 50-state resources
- Data stays on your device — always
Full Access
PulseDebtFree Full Access
$29.99 to start
Then $12/month after your first 30 days.
- Everything in Free, plus:
- Unlimited creditors in tracker
- All 7 practice forms
- Full calculator with profile saving
- Export PDF packet delivered by email
- Creditor schedule, timeline, document index
- Formatted for court or a legal aid attorney
- Cancel anytime
Your data stays on your device. Cloud sync is built in — no add-on needed.
All tools are free to explore. Pay only when you are ready to export your packet. Your data stays on your device unless you opt in to cloud storage.
Your Privacy: What the Code Actually Does
Every creditor, every debt amount, every document you log — all of it stays on your device in your browser's local storage. Nothing touches a server unless you choose to pay for cloud sync. Free users never contact our servers. This privacy promise is what the code does, not just what the marketing says.
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Ready to Get Organized?
The tool is free to open. Start with the Chapter Orientation to understand your situation. Build your creditor list. Set your deadline calendar. Export when you are ready.
Open the OrganizerFind legal aid in my state