Free tools

Practical, private tools for working through a rent-to-own situation. Everything runs in your browser — nothing you enter is sent or stored.

• Ownership calculator

  See how much you have paid, how far you are toward owning the item, and what it would cost to finish. Runs entirely in your browser.

• Reinstatement letter generator

  Build a plain-language letter telling a store you want to reinstate your agreement and keep the item. Copy or print it — nothing is sent or saved.

• Complaint guide

  Where and how to report a rent-to-own store that breaks the rules — your state attorney general, the CFPB, and the FTC — and what to include.

Consumer information, not legal advice. For your situation, consider speaking with a licensed attorney or a local legal-aid office.