Beat Debt on
Your Own Terms
Don't pay settlement firms 25% of your savings. Connect your bank securely, get AI-generated settlement offers backed by real data, and negotiate directly.
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."
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.
DIY Toolkit
- Lifetime access to dashboard
- Unlimited strategy generation
- Budget & Hardship Analysis
- Downloadable PDF letters
Certified Mail
- Includes USPS Postage
- Electronic Return Receipt
- Real-time Tracking Dashboard
- 7-Year Legal Evidence Storage
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.