Bundle
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 · 14-day full refund · one download · download link by email
🌙 The desk is asleep. The store never is.
Every kit and ebook downloads the moment you pay, day or night. Questions get answered after we open in the morning.
Browse the storeWho 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
Or pay with PayPal
Uses the email and terms box above. You get the same download link by email.
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.
Questions
Common questions
Do I get every product in one download?
Yes. One zip holds all six products, each in its own folder: Stretch the Paycheck Kit, Hardship Letter Kit, Debt Collector Rights Kit, Fix-Your-Own-Credit Kit, Medical Bill Help Kit, and Side Income Starter Planner. The download link arrives by email after payment.
What if I already own one of them?
The bundle price stays the same, and there is no credit for an earlier purchase. If the bundle and one of its products are both in your cart, the cart removes that product so you do not pay for it twice.
Will the files open on a Mac, Google Sheets or my phone?
The workbooks are built for Excel and tested in LibreOffice; they should open in Google Sheets, but not every feature is tested there. The PDFs open in any PDF reader, and the Word files edit in Word, Google Docs or LibreOffice. If a file will not open or something looks wrong, reply to your order email and we will make it right. If it is not right for you, email us within 14 days of buying for a full refund.
Is this legal or tax advice?
Templates and general information, not legal, credit, tax or medical advice.
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