You Don't Need a Lawyer to Negotiate Your Debt
Take control with AI-powered analysis, certified mail letters, and step-by-step negotiation scripts.
The Debt Relief Industry Doesn't Work for You
High Fees
Debt settlement companies charge 15-25% of your enrolled debt. On $20k in debt, that's $3,000-$5,000 in fees.
Long Timelines
Programs take 2-4 years. You're locked in, paying monthly fees, while your credit score tanks.
Loss of Control
They handle everything. You don't know what's happening until it's too late to change course.
The DebtPrepAI Revolution: Data-Backed Negotiation
We don't just give you templates. We arm you with the same data-driven tools professionals use, verified by your real-time financial status.
Smart Settlement AI
Our revolutionary AI analyzes your specific debt types (credit cards, medical, auto deficiency) and your real-time budget to generate precision settlement offers.
- ✓Instant analysis of lump-sum vs. monthly payment options
- ✓Success likelihood scores based on creditor data
- ✓Customized "Best Time to Call" & "Best Settlement Window"
Plaid-Verified Financials
Creditors ignore baseless claims. We connect securely to your bank via Plaid to create a verified "Hardship Snapshot" that proves exactly what you can afford.
- ✓Bank-verified income & expense analysis
- ✓Calculates your exact disposable income
The DIY Toolkit
More than just a letter. It's a comprehensive 20+ page strategy guide customized to your life, including hardship affidavits, budget worksheets, and negotiation roadmaps.
- ✓Personalized Action Plans for each creditor
- ✓"Similar Situations" - see what others settled for
Certified Mail Automation
We generate FDCPA/FCRA-compliant letters (Validation, Settlement, Pay-for-Delete). You click "Send," and we mail them via USPS Certified Mail with tracking.
- ✓Legal paper trail & proof of delivery
- ✓Forces creditor response under federal law
How It Works
Connect & Verify (Securely)
Link your primary bank account via Plaid. We instantly analyze your finances to calculate your "True Affordability" and generate a Verified Hardship Score.
Get Your Smart Settlement Strategy
Our Smart Settlement AI reviews your debts and recommends the best path for each: Aggressive Lump Sum, Monthly Payment Plan, or Hardship Program.
Launch Your Campaign
Generate professional letters (Debt Validation, Settlement Offers) populated with your verified data. Send them via Certified Mail with one click.
Negotiate & Settle
Use our "Next Steps" checklists and phone scripts to handle creditor calls confidently. Upload their responses to get AI-driven advice on what to do next.
Why Creditors Negotiate with You
💰 They Want Something, Not Nothing
If you can't pay, creditors would rather settle for 40-60% now than chase you for years or sell your debt for pennies. Certified mail proves you're serious.
📜 FDCPA/FCRA Compliance
Creditors must respond to validation requests and dispute letters. Certified mail creates a legal paper trail they can't ignore. You have rights — use them.
🎯 You're the Decision Maker
When you negotiate yourself, creditors know you're motivated. No middleman delays. No commission-driven advice. Just you, making the best deal for your situation.
📊 Data Shows It Works
Typical settlements range from 40-70% of the original balance. With certified mail and proper documentation, you have the leverage to negotiate effectively.
Ready to Feel This Good?
Start with a free analysis. No credit card required. See your options in minutes.
Start Free Analysis →💰 Typical settlements save 40-70% • 📬 USPS Certified Mail included • 🔐 No monthly fees