MCA Debt Relief Cost Calculator
Compare the true out-of-pocket cost of each MCA debt relief path: DIY, debt relief company, or attorney. Enter your debt, expected settlement percent, and path-specific fees to see who keeps more of your savings.
Path
Out of pocket
$50,000
Total fees
$0
Your savings
$50,000
How this calculator works
Settlement amount is computed as totalOwed * settlementPercent. Savings before fees is the difference. Each path applies fees differently:
- DIY: Zero fees. You keep 100 percent of the savings.
- Debt relief company: Fee taken as a percent of savings (typical 25 to 40 percent). Out of pocket is settlement + fee.
- Attorney: Retainer + hourly rate * estimated hours. Out of pocket is settlement + legal fees.
These are estimates based on typical fee structures. Your actual settlement percentage depends on your specific situation. See our related resources below.