Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals. Online filing and searching available through SOSDirect.For information or to subscribe, call (512) 475-2703. This manual will be updated on a regular basis to incorporate changes in the law. Creating a payoff letter is essential to any loan or mortgage repayment process. Our free templates and this guide can help you get started.