An app that ingests all debts (balances, interest rates, minimums) and income, then auto-generates optimized payoff strategies (snowball, avalanche, or hybrid). It simulates settlement scenarios, provides scripts and step-by-step guidance for negotiating with creditors, and dynamically adjusts the plan as payments are made or circumstances change. Built-in alerts prevent missed payments and flag when refinancing or consolidation would save money.

Consumer debt levels are at record highs globally, and rising interest rates have made minimum payments increasingly unaffordable. Debt settlement services like Americor charge significant fees, creating demand for an affordable self-service tool powered by AI that democratizes negotiation tactics previously available only through expensive professionals.