You negotiate. AI helps you prepare.
Negotiate your debt yourself.
Write creditor emails, prepare calls, review offers, and build counteroffers—without handing the negotiation to a settlement company.
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 debt to deal, one decision at a time.
Get the strategy, the words, and the tools. You talk to the creditor and decide what to accept.
- 01
Add debt
Start with estimates, then verify each account.
- 02
Get a strategy
Compare hardship, payoff, counseling, and negotiation paths.
- 03
Email or call
Use editable words and questions for the conversation.
- 04
Review the offer
Check the amount, deadline, and important terms.
- 05
Counter
Prepare a factual response without revealing more than you choose.
- 06
Decide
Accept, decline, or keep negotiating on your own terms.
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 offer
Understand the percentage, payment terms, deadline, and details to verify in writing.
Prepare, contact, record, follow up.
The workspace stays useful after the first conversation. Record the response and turn it into a concrete next task.
Know what to say—and what to do next.
Write a creditor email
Create a factual request, edit every line, run safety checks, then copy it to your own mailbox.
Open email workspacePrepare for a call
Keep your objective, opening script, questions, notes, and reference number on one screen.
Open call workspaceReview an offer and prepare a counter
Compare the offer with the current balance, inspect the terms that matter, and prepare a response you can edit before using.
Illustrative fee example
Here’s why doing it yourself can matter.
A settlement company may charge a percentage of enrolled debt. Preparing the negotiation yourself can keep that company fee out of the equation.
If total enrolled debt were
$25,000
A 24% company fee would be
$6,000
Prepare and negotiate yourself
You communicate directly with creditors and make every decision.
$0 company fee
Illustrative example only. The 24% rate is a hypothetical settlement-company fee, not a market average or a promised saving. DebtNegotiator.ai does not guarantee settlements, creditor participation, timelines, or outcomes. Software pricing, if any, is separate.
You don’t need to become a professional negotiator.
You need to know what to say, what to ask, and what to do next. The product prepares and organizes; you choose what to 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.
Can it help me respond to an offer?
Yes. You can review the amount and terms, then prepare an editable counteroffer. You decide whether to use it.
Does doing it myself guarantee savings?
No. Creditor participation, settlement amounts, timelines, fees, and outcomes vary. The examples on this page are illustrative.
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.