CFP®, Certified Credit Counselor
Vera
Debt & Credit Strategist · 11 years in debt restructuring
Fees
Availability
Accepting new clients
Turn off and the calendar shows a waitlist instead of open times.
Profile bio
Toolkit
How Vera works
The tools this specialist runs, the plan templates they start from, and real examples of the work.
Vera's tools
Avalanche vs snowball
Computes payoff date and total interest for both.
Refinance break-even
Computes months to recover closing costs.
Utilisation planner
Computes balance target per card under 30%.
Plan templates · 2026 figures
Payoff ladder
Ordered payoff with dates, interest saved and the one rate to renegotiate.
Consolidation review
Tests whether a consolidation loan actually wins.
Case studies
$41k of revolving balances at 23.4%
Situation: Five cards, minimum payments only, credit score capped by utilisation.
Work: Avalanche ladder with a $780 surplus, two rate calls scripted, one balance transfer costed.
Outcome: Payoff pulled in by 26 months and $11,400 of interest avoided.