Send Certified Letters Without the Post Office
Legally-valid debt letters with USPS tracking. You stay in control — no monthly fees, no subscriptions.
💰 Typical settlements save 40–70%
Certified mail creates a documented paper trail that improves response rates.
✉️ Certified Mail Letters
Legally valid, USPS Certified Mail with tracking + delivery proof. Pay-as-you-go so you only buy what you need.
Certified Letter (pay as you go)
USPS Certified Mail • Tracking • Proof of Delivery
$12.95
Per letter. No subscriptions, no bundles to manage.
Send a Letter- • Printed, mailed, and tracked in 2 clicks
- • Stored in your dashboard for seven years
- • FDCPA/FCRA compliant legal language
No Bundles
Only pay when you mail
People in debt hate subscriptions. So we kept it simple: run your free analysis, preview every document, and only swipe your card when you're ready to send certified mail.
• Need 3 letters? Pay 3 × $12.95.
• Need 12 letters? Still just $12.95 each.
• Toolkit stays unlocked even if you pause.
📬 Each letter includes:
USPS Certified Mail • Tracking Number • Delivery Proof • 7-Year Storage • FDCPA/FCRA Compliant Language
🚀 DIY Debt Negotiation Toolkit
Everything you need to negotiate your debts yourself — powered by AI and real financial data.
$29
One-time • Lifetime access
Full Dashboard Access
- ✓Creditor tracking & management
- ✓Progress tracking & action items
- ✓Letter history & document storage
🤖 Smart Settlement AI
- ✓AI-powered settlement recommendations
- ✓Lump sum & payment plan options
- ✓Success likelihood scores
- ✓Negotiation scripts & key phrases
📊 Financial Analysis
- ✓Secure bank connection (Plaid)
- ✓Hardship score & analysis
- ✓Budget & cashflow breakdown
📄 Document Generation
- ✓Settlement offer letters
- ✓Debt validation letters
- ✓Hardship letters
- ✓FDCPA/FCRA dispute letters
Save 40-70%
Typical settlements save thousands. Our users report saving $5,000-$15,000 on average.
$0
Monthly fees
∞
Lifetime access
Why DebtPrepAI?
Frequently Asked Questions
Why certified mail instead of email?
Certified mail creates a legal paper trail with proof of delivery. Under FDCPA/FCRA, creditors are required to respond to certain validation and dispute requests. Email can be ignored. Certified mail with tracking provides documented evidence and improves the likelihood of timely responses.
Do I need a lawyer to send these letters?
No. You have the legal right to dispute debts and negotiate settlements yourself. Our letters are informed by FDCPA/FCRA consumer rights provisions, but you remain in control. We're not a law firm — we're a self-help tool. For legal advice about your specific situation, consult a qualified attorney.
What if I want to edit the letters before sending?
All letters are fully editable before you approve them. You can customize any section, add details, or adjust the tone. Once you approve, we lock the content, print it, and mail it via USPS Certified Mail.
How is this different from credit counseling?
DebtPrepAI is not a counseling or settlement company. We give you the analysis, scripts, letters, and plan so you can negotiate yourself. If you choose to work with a counselor later, you can take the outputs with you.
Are there any recurring fees?
No. You pay once per letter or bundle. No monthly subscriptions, no hidden fees. People in debt hate recurring charges — we get it.
Ready to Take Control of Your Debt?
See your options in minutes. Start building your debt freedom plan today.
Get Started →DebtPrepAI is not a law firm. We provide self-help tools that keep you in control. We do not provide legal advice, credit counseling, debt settlement services, or representation. All letters are generated for you to review, edit, and send yourself. Typical settlement ranges are educational estimates, not guarantees.