Plain-English guides and free calculators for business loans, IRS tax relief, and medical debt — researched from primary sources, with the real numbers other sites leave out. No signup, no email gate, no sales pitch: the rules, the deadlines, the forms and the math, in one library.
Equipment financing, SBA loans and calculators that show the true cost before you apply — rates, fees, factor rates and the terms lenders quote in the fine print.
IRS wage garnishment, Offers in Compromise and levy releases — the rules, the deadlines and the exact forms, explained the way the notice on your desk actually works.
Dispute bills, validate collections, and know your rights — with the letter templates, timelines and state rules that decide what you actually owe.
Before you pay anyone anything, know what the IRS, a collector or a lender can and cannot do. Our guides quote the actual thresholds, deadlines and form numbers — starting with your garnishment options and your FDCPA rights.
Guessing is how people overpay. The 21 free calculators use the same formulas the other side uses — the IRS's own Offer in Compromise math, true APR on business loans, factor-rate conversion on MCAs — so you see the number they'll see.
Most debt outcomes are decided by a date: 30 days to validate a collection, 30 days to appeal a levy, a court date on a summons. Every action guide ends with the deadline that applies and the template or form to file — like the validation letter.
Your window to dispute a collection in writing under the FDCPA — the collector must pause until it validates the debt. Use the template
The IRS application fee for an Offer in Compromise (Form 656) — low-income taxpayers can qualify to have it waived. Estimate your offer
The standard borrower down payment on an SBA 504 loan — 15–20% for single-purpose assets and startups. 504 vs 7(a) compared
An unpaid medical collection cannot appear on your credit report until a year after it is placed for collection. Your reporting rights
See all 21 calculators → including equipment leasing, heavy & used equipment, machinery, construction equipment, microloans, working capital and full amortization schedules.
LessOwe is written from primary sources: IRS.gov publications, notices and forms; the Consumer Financial Protection Bureau and the FDCPA itself; SBA program rules; CMS and state law for medical billing. When a figure can change — SBA rates, IRS fees, state protections — the page says when it was last verified, and rate pages are re-checked monthly or quarterly. We never invent numbers, testimonials or outcomes: if a claim is on this site, the source document exists and the guide links the reasoning. Read our editorial policy, meet the author Waleed Akram, or learn more about LessOwe.
Yes. A levy already in place can be released — by paying in full, entering an installment agreement, showing economic hardship (Currently Not Collectible status), submitting an Offer in Compromise, or appealing within the deadline on your levy notice. Which route works depends on your income, assets and filing history, and each has its own timeline.
Your name and the account reference, a clear statement that you dispute the debt, and a request for itemised proof — the original bill, the dates of service and evidence the collector owns the debt. Send it within 30 days of the first collection notice, by certified mail with return receipt, and keep copies of everything.
Yes — if you dispute the debt in writing within 30 days of the collector's first notice, the FDCPA requires collection activity to pause until the collector mails you verification of the debt. If they never validate, they cannot legally continue collecting on it.
The 504 is a fixed-rate loan for fixed assets — commercial real estate and heavy equipment — made through a Certified Development Company, usually with 10% down and no working capital allowed. The 7(a) is the SBA's general-purpose loan: it can fund working capital, business acquisitions and refinancing, typically at variable rates, with loan amounts up to $5 million.
Most borrowers put down 10%. It rises to 15% when the asset is single-purpose (like a car wash or gas station), and to 20% when the business is a startup and the asset is single-purpose. The rest is split between a bank loan (50%) and the SBA-backed CDC portion (up to 40%).
Still deciding where to start? Contact us or browse the calculators — the fastest way to turn a worry into a number.