Tools to Help You
Negotiate Debt
Skip expensive settlement firms. Get educational tools, settlement estimates, and negotiation scripts to help you negotiate directly with creditors. Results vary based on your situation and negotiation.
Total Saved
$12,450
Status
Settlement Accepted
The "Debt Relief" Industry is Broken.
Traditional debt settlement companies take 15-25% of your debt as fees. Bankruptcy ruins your credit for 7-10 years. Ignoring it leads to lawsuits.
We built a better way: Professional tools for you to do it yourself.
Verified Financial Power
Connect securely via Plaid to generate a 'Verified Hardship Snapshot'. Prove to creditors exactly what you can afford.
Smart Settlement AI
Our AI analyzes your specific debts and budget to recommend the perfect lump sum or monthly payment offer.
Keep 100% of Savings
If you settle a $10k debt for $4k, you keep the $6k difference. We charge flat fees for tools, not a percentage.
Real People, Real Freedom
Sarah M.
Saved $4,200
"I was terrified to call my credit card company. The script gave me exactly what to say. Settled for 40% of the balance in one call."
James R.
Deleted 3 Collections
"Sent 3 validation letters via certified mail from the dashboard. Two collections were deleted because they couldn't prove the debt."
Maria L.
Saved $12,000
"A debt settlement firm wanted $3,000 in fees. I did it myself with this toolkit for $29. The math is a no-brainer."
Results vary by individual circumstance, creditor policies, and negotiation approach. Examples shown are not typical or guaranteed outcomes. Consult qualified professionals for advice specific to your situation.
Your Battle Plan
Connect & Analyze
Securely connect your bank. We analyze your income and expenses to find your true settlement power.
Get Smart Recommendations
Our AI generates a personalized settlement strategy for every single creditor you owe.
Send Data-Backed Offers
Generate letters that use your verified financial data to justify your offer. Mail them with one click.
Settlement & Freedom
Log their responses, accept offers, and watch your debt disappear. You stay in control.
Sleep Better at Night
Stop the harassment. Our system helps you send Cease & Desist letters and manage all communication in one secure dashboard. Your data is encrypted and never sold.
- 256-bit SSL Encryption
- Strict Privacy Controls
Fair, Transparent Pricing
We're a software company, not a debt collector. You pay for the tools, not a percentage of your debt.
💸 What Debt Settlement Companies Charge
15-25%
of your total debt
On $30k debt = $4,500-$7,500
$50-100
monthly fees
For 3-4 years = $1,800-$4,800
3-4 years
to complete program
While your credit suffers
DIY Toolkit
Lifetime access • No subscriptions
Full Dashboard
- Creditor tracking & management
- Progress tracking & action items
🤖 Smart Settlement AI
- AI settlement recommendations
- Negotiation scripts & key phrases
Documents & Analysis
- Unlimited AI letter generation
- Hardship & budget analysis
- Secure bank connection (Plaid)
vs. $4,500+ at debt settlement companies
Certified Mail
Pay only when you send
- USPS Certified Mail postage included
- Electronic Return Receipt
- Real-time tracking dashboard
- 7-year legal evidence storage
- FDCPA/FCRA compliant templates
No bundles required • No subscriptions
Example: On $30,000 in debt, a settlement company charges $4,500-$7,500 in fees. With DebtPrepAI, you pay $29 + ~$50 in certified mail and keep the rest.
DebtPrepAI empowers consumers with software to manage their own debt negotiation. We are not a law firm, debt settlement company, or financial advisor. We do not provide legal advice or negotiate on your behalf.