A mobile and web app that connects to users' credit reports and accounts, uses AI to generate optimized payoff strategies (avalanche, snowball, settlement), and automates negotiation with creditors and collectors via templated letters, calls, and settlement offers. It tracks progress, blocks harassing collector calls, and projects credit score impact for major decisions.

US household debt has hit record highs in 2026 with credit card delinquencies surging, and AI agents can now handle creditor negotiations and document workflows that previously required expensive credit counselors or attorneys.