A web and mobile app that lets users upload bills, collection letters, insurance documents, and account notices, then prioritizes obligations by urgency, credit impact, housing risk, and negotiability. The tool generates creditor-specific scripts, dispute letters, hardship requests, settlement calculators, and payment-plan options, with optional concierge negotiation support.

Rising healthcare costs, layoffs, high credit card APRs, and increased household debt are pushing more consumers into short-term financial distress. AI document parsing and workflow automation now make personalized bill triage and negotiation affordable at consumer scale.