AI Debt Advocacy

Your debt is negotiable. Let AI prove it.

Creditor negotiations, settlement analysis, payment optimization, statute of limitations tracking and wage garnishment defense. Collectors are counting on you not pushing back.

Join WaitlistSee How It Works
Creditor NegotiationsSettlement AnalysisFDCPA DefensePayment Optimization
◆ Debt Consolidation Analysis
◆ Settlement Negotiations
◆ Statute of Limitations
◆ Garnishment Defense
◆ Powered by Abundera

Features

Debt advocacy that fights for you

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Creditor Negotiations

AI analyzes your debt portfolio, identifies leverage points, and drafts negotiation letters to creditors. Hardship documentation, payment plan proposals, and interest rate reduction requests.

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Settlement Analysis

Calculate realistic settlement ranges for each debt based on age, type, and creditor history. AI recommends which debts to settle, which to pay in full, and optimal offer amounts.

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Payment Optimization

Avalanche vs. snowball vs. hybrid strategies based on your actual finances. AI calculates payoff timelines, interest savings, and creates automated payment schedules.

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Collector Defense

FDCPA violation detection, cease-and-desist letters, debt validation requests, and statute of limitations tracking. AI identifies illegal collection practices and generates response letters.

Pricing

Take control of your debt

Ongoing debt management, negotiations and collector defense. Cancel anytime.

Negotiate

$16/mo

Billed annually at $189/yr

  • Debt dashboard & tracker
  • Settlement letter templates
  • Payment plan proposals
  • Interest rate reduction requests
  • Statute of limitations tracker
  • Email support
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Most Popular

Settle

$32/mo

Billed annually at $389/yr

  • Everything in Negotiate
  • AI-drafted negotiation letters
  • Creditor-specific strategies
  • Lump-sum settlement analysis
  • Debt validation requests
  • Certified mail via Letters
  • Priority support
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Defend

$49/mo

Billed annually at $589/yr

  • Everything in Settle
  • FDCPA violation detector
  • Cease-and-desist generator
  • Wage garnishment defense
  • Lawsuit response templates
  • Attorney referral network
  • Dedicated support
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FAQ

Common questions

How is this different from debt settlement companies?
Debt settlement companies charge 15-25% of your enrolled debt and often tell you to stop paying creditors, which damages your credit. You get the same negotiation strategies and letter templates without the middleman fees, and you stay in control.
Can AI really negotiate with creditors?
We draft the negotiation letter from strategies that work: hardship documentation, lump-sum settlement offers, interest rate reduction requests, payment plan proposals. It goes out via Abundera Letters as certified mail, which creates the legal paper trail.
What is statute of limitations tracking?
Every debt has a statute of limitations that depends on your state and the type of debt. Once it expires, a creditor can’t sue you to collect. We track each debt’s SOL, warn you about the things that would restart the clock, and write the right response for a time-barred debt.
Can this help if I'm being sued or garnished?
Yes. We generate debt validation requests, spot FDCPA violations in how they’re collecting, draft responses to lawsuits, and create wage garnishment exemption claims. If it turns into complex litigation, we generate the documentation your attorney needs.

Americans owe $17.9 trillion in household debt.

Most don't know their debt is negotiable. Settlements of 30-60% are common. Let AI fight for you.

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