Debt Relief Swarm

[TIER 1: FREE — Local Model Required]

9 AI specialists analyze your debt situation and build a personalized plan to become debt-free. Runs locally on your machine. $0 per analysis. Your data never leaves your computer.

What It Does

Upload your debts, income, and expenses. Nine specialist agents analyze your situation in 60-90 seconds:

Agent	What It Does
Debt Analyst	Categorizes debts, calculates true costs, scores severity
Strategy Evaluator	Evaluates: balance transfer, consolidation loan, DMP, settlement, avalanche, snowball
Risk Assessor	Finds risks and gotchas in each strategy
Credit Advisor	Projects credit score impact per strategy
Legal Advisor	FDCPA rights, statute of limitations, garnishment protections
Negotiation Coach	Specific scripts and tactics for creditor calls
Timeline Builder	Month-by-month payoff projections with milestones
Blind Spot Finder	Tax implications (1099-C), employer credit checks, hidden fees
Action Planner	Step-by-step plan with phone numbers, dollar amounts, timelines

Demo

Input: 4 debts ($17,600 total), $5,000/mo income, 650 credit score

Output:

• Strategy: Balance transfer + creditor negotiation + accelerated payoff
• Projected savings: $1,200 in interest
• Debt-free in: 18 months
• Specific actions: Phone numbers to call, exact amounts to offer, week-by-week plan
• Time: 71 seconds | Cost: $0.00

Quick Start

1. Install Ollama

Download from ollama.com, then:

ollama pull qwen2.5:7b

2. Download and Run

# Download the binary (Windows/Mac/Linux)
# Or build from source:
git clone https://github.com/swarmlabsusa/debt-relief-swarm
cd debt-relief-swarm
cargo build --release
./target/release/debt-relief-swarm

3. Open Your Browser

The swarm auto-opens http://localhost:3200. Enter your debts and click "Analyze."

How It Works

Your Debts + Income
       |
       v
 [Debt Analyst] -----> categorize, score severity
       |
 [Strategy Evaluator] -> evaluate 8+ consolidation strategies
       |
 [Risk Assessor] -----> find risks in each strategy
       |
 [Credit Advisor] ----> project credit score impact
       |
 [Legal Advisor] -----> FDCPA rights, statute of limitations
       |
 [Negotiation Coach] -> scripts for creditor calls
       |
 [Timeline Builder] --> month-by-month payoff math
       |
 [Blind Spot Finder] -> tax implications, hidden costs
       |
 [Action Planner] ----> step-by-step plan with specifics
       |
       v
 Personalized Debt-Free Plan

Each agent reads the findings of all prior agents. Knowledge is grounded in a 38-node domain knowledge graph covering debt relief strategies, legal protections, credit scoring, and negotiation tactics.

Requirements

• Ollama with qwen2.5:7b (6GB VRAM) or qwen2.5:3b (2GB VRAM, lower quality)
• 8GB RAM minimum
• No internet required after initial model download
• No API keys needed
• Works on Windows, Mac, and Linux

Privacy

Your financial data is processed entirely on your local machine. Nothing is sent to any server, API, or cloud service. The swarm binary is self-contained — the only network call is to your local Ollama instance.

Disclaimer

This analysis is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a certified financial counselor (NFCC.org), attorney, or CPA before making debt-related decisions.

License

MIT

---

Built with Swarm Engine by Swarm Labs USA