Frequently asked questions
If you don't find what you're looking for, you can reach us directly on our contact page.
These are the questions we hear most often. If you don't find what you're looking for, the Important Information page covers the details on what NorthKey is and isn't.
About NorthKey
What is NorthKey?
NorthKey helps people get organized and feel ready before seeking professional help with financial distress. It guides you through understanding your situation, gathering the right documents, and building a clear picture you can communicate effectively to attorneys, credit counselors, or debt advisors — so your first professional conversation is focused on finding a path forward, not gathering basics.
Is NorthKey legal advice?
No. Nothing on this site or within NorthKey constitutes legal or financial advice. NorthKey is an organizational tool — it helps you prepare, not advise. Always consult a qualified professional for guidance specific to your situation. See our Important Information page for more detail.
Who is NorthKey for?
NorthKey is for people navigating significant financial difficulty — particularly those who are considering bankruptcy, exploring debt relief options, or preparing to meet with a bankruptcy attorney or credit counselor for the first time. See the Who It's For page for a fuller picture.
How much does NorthKey cost?
Pricing hasn't been finalized yet. Join the waitlist and you'll be among the first to know when access opens and what it costs.
The fit check
What is the fit check?
The fit check is a short series of questions — about your situation, your timeline, what feels hardest right now, and how organized you feel. It takes about five minutes and requires no account to start.
What happens after I take the fit check?
If NorthKey looks like a good fit for your situation, you'll be added to the waitlist and we'll reach out when access opens. If it isn't a good fit, we'll let you know and try to point you toward resources that are more appropriate for where you are.
What if NorthKey isn't a good fit for me?
That's okay. NorthKey is designed for a specific situation, and we'd rather be honest than helpful to the wrong person. If the fit check suggests NorthKey isn't right for you, we'll acknowledge that clearly.
Is the fit check a financial or legal assessment?
No. The fit check is not a credit check or financial assessment. It's designed to help us understand whether NorthKey is the right tool for your situation — nothing more. Nothing you share in the fit check constitutes legal or financial consultation.
Getting organized
What kinds of documents does NorthKey help me organize?
NorthKey will help you gather the information most commonly needed before meeting with a bankruptcy attorney or credit counselor — things like income documentation, a list of debts and creditors, financial statements, and a summary of your monthly obligations. The specific guidance will depend on your situation.
How long does it take to get organized?
It depends on your situation and how much you have readily available. For most people, gathering the core essentials takes a few hours spread across a day or two. NorthKey is designed to make that process as straightforward as possible.
Will NorthKey tell me which debt relief option is right for me?
No. NorthKey helps you prepare for that conversation — it doesn't make that determination for you. That's the job of a qualified attorney or counselor who can review your specific situation. We help you get ready to have that conversation productively.
Privacy & trust
Is my information secure?
Yes. Any information you provide is stored securely and encrypted. We do not sell your personal information to third parties, and we do not share it with advertisers.
What emails will I receive?
When you join the waitlist, you're opting in to receive emails from NorthKey — including launch updates and occasional content we think will be genuinely useful as you navigate your situation. We won't flood your inbox, we won't sell your address, and you can unsubscribe at any time.
How do I contact NorthKey?
You can reach us on our contact page. We're a small team building carefully, and we read every message.
Still have questions? Or ready to find out if NorthKey is right for you?