How it works

Take the fit check

The fit check is a short series of questions about where you are right now — your situation, your timeline, what feels hardest, and how organized you feel. It takes about five minutes.

No signup required to start. Your answers are used only to understand whether NorthKey is the right tool for your situation.

This is not a financial assessment, a credit check, or legal advice. It's simply a way for us to understand if we can genuinely help you.

See if you're a fit

After completing the fit check, you'll get a straightforward answer: is NorthKey right for your situation?

NorthKey is designed for people who are approaching a point where professional help — a bankruptcy attorney, a credit counselor, a debt negotiator — is likely part of the path forward. If that describes you, NorthKey can help you get ready for those conversations.

If NorthKey isn't the right fit, we'll let you know honestly and point you toward other resources.

Get organized when we launch

Once you have access to NorthKey, the real work begins. NorthKey walks you through what to gather: financial statements, income information, a list of debts and creditors, and the questions that matter most to bring to your first professional meeting.

The goal is a clear, organized picture of your situation — one you understand yourself, and one you can communicate completely and efficiently to any professional you work with.

Seek help prepared

Walking into your first meeting organized makes a real difference. When you arrive with a clear, complete picture of your situation, professionals can skip the intake scramble and get straight to helping you identify the right path forward.

NorthKey doesn't tell you what to do or which path to take. It makes sure that when you sit down with an attorney or counselor, you're both starting from the same complete picture — and that the time you spend together counts.