Important information
Being transparent about what NorthKey is — and what it isn't — is part of how we earn your trust.
What NorthKey does for you
NorthKey is built around a simple idea: when you understand your own situation clearly, you're in a better position to deal with it.
We help you gather and organize the financial documents you'll need. We help you understand your numbers — how much you owe, what types of debt you have, and what those differences mean. We help you see where you stand and how far you are from a path forward.
And when you're ready to talk to an attorney, a credit counselor, or another professional, you'll walk in with a clear picture of your situation — which means the conversation can focus on your options, not on gathering basics.
That's what NorthKey does. It gives you clarity, preparation, and confidence for what comes next.
What NorthKey actually is
NorthKey is an organizational tool. It helps people who are facing financial difficulty understand what information is typically needed before meeting with a bankruptcy attorney or credit counselor, and guides them through gathering that information.
That's the full scope of what NorthKey does. It helps you prepare. It does not advise, represent, diagnose, or act.
NorthKey is not a law firm
NorthKey is not a law firm and does not provide legal advice. No attorney-client relationship is formed by using this service. Nothing on this website or within the NorthKey application constitutes legal advice, legal opinions, or legal guidance of any kind.
If you need legal help, please consult a licensed attorney in your jurisdiction. Many bankruptcy attorneys offer free initial consultations.
NorthKey is not a financial advisor
NorthKey is not a financial advisory service, a credit counseling organization, or a debt settlement company. Nothing on this site constitutes financial advice, financial planning guidance, or recommendations about specific financial products or actions.
For financial advice, consult a certified financial planner (CFP), credit counselor, or other licensed financial professional.
The fit check is not an assessment
The NorthKey fit check is a short series of questions designed to help us understand whether NorthKey is an appropriate tool for your situation. It is not a financial assessment, a legal intake, a credit evaluation, or a recommendation of any kind.
Completing the fit check does not create any obligation on your part, and our response to your fit check answers is not advice — it is only an indication of whether NorthKey's organizational tools are likely to be useful to you.
No guarantee of outcomes
Being organized before a professional consultation may make that conversation more productive, but NorthKey makes no guarantees about outcomes. The results of any legal or financial process depend on many factors outside our knowledge or control.
NorthKey does not guarantee that using our service will lead to a better outcome in any legal proceeding, debt resolution, or financial situation.
Your information
Any information you provide to NorthKey is used solely to help you organize your own situation and to provide you with relevant guidance within the tool. We do not sell your personal information to third parties. We do not share it with creditors, attorneys, or other financial institutions without your explicit consent.
For full details, see our Privacy Policy.
If you need immediate help
If you are facing imminent legal action — including wage garnishment, bank levies, eviction proceedings, or a court date in the near future — NorthKey is not the right starting point.
Please contact a licensed bankruptcy attorney or legal aid organization directly. Many offer free or low-cost assistance for people in urgent situations.
The following organizations can help connect you with free or affordable legal help:
- Your state or local bar association's lawyer referral service
- Legal Services Corporation (lsc.gov) — federally funded free civil legal aid
- Law Help (lawhelp.org) — state-specific free legal help directory
- National Foundation for Credit Counseling (nfcc.org) — nonprofit credit counseling
Questions or concerns
If you have questions about this page, what NorthKey does, or how we handle your information, you can reach us through the contact link in the footer. We're a small team and we read every message.