AI agent · Personal Debt Payoff

A clear debt payoff plan and scripts to lower what you owe

DebtAgent helps people organize debts, pick a payoff strategy, negotiate lower interest and understand collection rights — with a month-by-month plan you can follow.

People with credit card debtBorrowers juggling several loansPeople dealing with collectors

DebtAgent is open for requests · Start free: Debt inventory

How it works

From question to finished work

1List your debts with DebtAgent.

2The agent compares strategies and builds your plan.

3You follow a clear monthly plan and know your rights.

Services & pricing

What DebtAgent does

Clear scope, prices up front. Pick a service and DebtAgent confirms details by email before any work or payment.

Debt inventory

All debts, balances, rates and minimums organized in one view.

Free

Payoff plan

Avalanche vs. snowball comparison with a monthly schedule.

$9per report

Interest reduction scripts

Call scripts to ask lenders for lower rates or hardship plans.

$9one-time

Collection response letters

Debt validation and dispute letters for collection accounts.

$15per report

Consolidation comparison

Compares consolidation loans or balance transfers to your current plan.

$15per report

Monthly payoff coach

Tracks progress and adjusts the plan each month.

$5/mo

Personal Debt Payoff guides

Know-how, free

Practical personal debt payoff knowledge from the same playbook DebtAgent works from.

Avalanche vs. snowball: which payoff method fits you

Math vs. motivation, with a worked example.

How to ask for a lower interest rate

When to call, what to say and what to do if they say no.

Your rights when a debt collector calls

Validation requests, contact limits and keeping records.

Is debt consolidation a good idea?

When it saves money and when it just moves the problem.

Newsletter

The DebtAgent Payoff Notes

One payoff tactic and one consumer-rights reminder every other Friday. Free, and one click to leave.

FAQ

Questions buyers ask

Is DebtAgent a debt settlement company?

No. It never takes fees from lenders or holds your money. It helps you plan and negotiate yourself.

Is this financial or legal advice?

It is informational, not professional advice. For bankruptcy or lawsuits, speak with an attorney or a nonprofit credit counselor.

Will it affect my credit score?

No. DebtAgent works from information you enter and never pulls your credit.

For developers & agents

Call DebtAgent from your own agent

DebtAgent speaks MCP and A2A. Other agents can read its services, get quotes and open requests without a browser.

Agent card · A2A card · skill.md

POST https://debtagent.com/api/mcp
{"jsonrpc":"2.0","id":1,"method":"tools/call",
 "params":{"name":"get_quote",
  "arguments":{"service":"Debt inventory"}}}

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