Negotiate your debt yourself.
Keep thousands in fees.
DebtNegotiator.ai helps you write the emails, prepare the calls, respond to offers, and negotiate directly with your creditors.
You negotiate. AI helps you every step of the way.
Be the first to know when we launch.
Chase Credit Card
$12,480
Balance
Email sent
Your settlement request went out to Chase.
Chase
$12,480
Capital One
$4,200
Discover
$8,750
$6,000
Fee avoided
Offer received
$7,200
From debt to deal — with AI helping along the way.
01
Add debt
02
Get a strategy
03
Email or call
04
Review the offer
05
Counter
06
Settle
DebtNegotiator.ai gives you the strategy, the words, and the tools. You talk to the creditor and you decide what to accept.
Write the email.
Subject
Settlement options for account ••••4821
“Hi — I'm having trouble keeping up with this account and I'd like to see what settlement options are available…”
Prepare the call.
What to say
“I'm calling to see what settlement options may be available on my account.”
If they ask what you can pay
“Don't name your max yet. Ask what they can authorize first.”
Got an offer? See if you should counter.
Creditor offer
$7,200
AI analysis
58% of the current balance.
Screens, figures, and messages shown are illustrative previews. DebtNegotiator.ai does not negotiate on your behalf and does not guarantee settlements or outcomes.
Here's why DIY can matter.
IF YOU HAD A TOTAL DEBT OF
$25,000
↓ Traditional settlement fee at 24%
$6,000
That's $6,000 you could potentially avoid paying a settlement company by handling the negotiation yourself.
| Option | TOTAL REPAYMENT | FEE |
|---|---|---|
 | ≈ $12.5K*≈ $12,500* | $0 at launch |
Traditional debt settlement | ≈ $18.5K*≈ $18,500* | $6,000 |
Minimum payments | ≈ $72K*≈ $72,262* | ≈ 23% APR |
See How Much You Could Save by Negotiating Your Debt Yourself
Debt
$25,000
24% SETTLEMENT COMPANY FEE
$6,000
You could save ≈ $59.8K vs. making minimum payments.You could save ≈ $59,762 vs. making minimum payments.
*Illustrative example only. It assumes, solely for demonstration, that $25,000 of eligible debt is settled for 50% of the balance, and compares a hypothetical settlement company charging a 24% fee against a DIY approach with no company fee. DebtNegotiator.ai does not guarantee settlements, creditor participation, timelines, or savings. You negotiate directly with your creditors. Actual outcomes vary.
You don't need to become a professional negotiator.
You just need to know what to say, what to ask, and what to do next.
You stay in control. That's it.
Want to negotiate your debt yourself?
We're building the AI to help you do it. Free at launch.
We'll let you know when DebtNegotiator.ai launches. No spam.