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Tough Times Toolkit: Budget, Hardship Letters, Debt Collector Rights, Credit, Medical Bills and Side Income
When money is tight, the hardest part is knowing what to do first. These six kits cover the bills, the calls, the letters and the next paycheck.
$29 $69 You save $40 one time · one download · download link by email
Who it is for
Anyone behind on bills, dealing with collectors or medical bills, or looking for honest ways to bring in more money.
Why it is different
- Facts from the CFPB, FTC, CMS, IRS and nj.gov, named in every kit.
- No promises about scores, settlements or income.
- Six kits for less than half their separate price.
What is inside
- Stretch the Paycheck Kit. A one-month crisis budget, a bill priority worksheet and a spending reset.
- Hardship Letter Kit. Letters asking lenders, utilities, landlords and providers for a payment plan or a pause.
- Debt Collector Rights Kit. Your federal rights, a validation request letter, a dispute letter and a contact tracker.
- DIY Credit Repair Kit. Free reports, disputes, freezes and how credit repair scams work.
- Medical Bill Help Kit. Itemized bills, financial assistance, NJ Charity Care and appeals.
- Side Income Starter Planner. Real startup costs and earnings, with a time and earnings tracker.
Get it
Tough Times Toolkit
Want every toolkit? The toolkit membership includes all of them, with a lower rate if you pay yearly.
Delivered as a zip of editable Word files and printable PDFs. For one business, your own use. General information and templates, not legal, tax or accounting advice. Templates and general information, not legal, credit, tax or medical advice. For legal problems, contact legal aid or a lawyer. Payment is handled by Stripe. If a file will not open or something looks wrong, reply to your order email and we will make it right.
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