Plan first. Contact creditors yourself.
A clear credit-card debt plan.
Prepare calls and emails, compare options, and review every step before you act.
Your starting point
No account or credit check needed
An estimate is enough. You can add each account later.
Example minimum
$313
2.5% assumption
Example interest
$259
First month at 24.9%
These are editable examples, not your actual terms or a promised outcome.
You stay in control of every action
Your data, minimized
Start with estimates. Add only what the plan needs.
Your decision
Nothing is accepted, sent, or signed for you.
Your record
Keep calls, emails, offers, and follow-ups together.
From balances to one next action.
Build a verified account list, choose an appropriate path, then prepare the communication yourself.
One clear view of every account.
Creditor, balance, status, payment, and your real monthly budget. Estimates stay visible and editable.
Not every debt needs settlement.
Compare hardship programs, payoff options, nonprofit counseling, and negotiation preparation.
Review the facts
See which facts and assumptions produced the recommendation.
Prepare, contact, record, follow up.
The workspace stays useful after the first conversation. Record the response and turn it into a concrete next task.
Use the channel that fits the moment.
The product stops before your decision.
It prepares and organizes. You choose what to say, send, accept, or decline.
- 01
Generate
Start from an approved purpose and the facts you supplied.
- 02
Review and edit
See the exact words and change anything before export.
- 03
Confirm
Acknowledge that you reviewed the final version.
- 04
Send it yourself
Copy the email or make the call from your own account.
- 05
Record the outcome
Keep the response, offer, and follow-up date together.
Questions before you begin
Does the product contact creditors for me?
No. V1 helps you prepare calls and emails. You make the call or send the email personally.
Do I need a credit check?
No. Start with estimates and manually add each account. A consumer-authorized data connection may be added later.
Will it tell me to stop paying?
No. The product does not tell consumers to stop payments to create settlement leverage.
What if I received a lawsuit or summons?
The standard workflow stops and directs you to qualified legal help. The product does not interpret court documents.
Start with an estimate.
No credit check. No creditor contact. Review your first options in a few minutes.