Settle smarter.
Pay far less.
xDebt is a modern debt-resolution platform that runs AI across the entire operational pipeline — the savings flow back to you as 20% lower fees than the average competitor, faster settlements, and a dashboard that actually shows you what's happening.
Live Estimate
ActiveBased on typical settlements that resolve enrolled debt for a fraction of the balance. Final results depend on your specific situation.
Estimates assume all enrolled debts reach settlement. Individual results vary. Program fees are only earned after a debt is settled and a payment is made toward it. Not all debts qualify.
From upload to debt-free.
AI handles the repetitive, paperwork-heavy parts of debt resolution. Licensed human negotiators handle the decisions. You get a clearer path and lower fees.
Upload your debts
Snap or upload your statements. AI reads balances, APRs, and minimums — no manual typing.
Get a personal plan
A payment plan you can actually afford, with a clear payoff date and projected savings.
Fund dedicated escrow
Monthly deposits flow into an FDIC-insured account in your name. You stay in control.
AI settles, we pay off
AI drafts offers, licensed negotiators approve them, and settled debts are cleared from escrow.
Operations, automated.
Outcomes, amplified.
Everything the old-school debt settlement company does manually — we've rebuilt in software, with humans where they matter.
Real-time customer dashboard
Escrow balance, next creditor up, settlement progress, projected debt-free date — all live, all yours, no phone calls needed.
AI statement OCR
Photograph a credit-card statement — vision models extract balance, APR, and minimum due in seconds.
Drafted offers
Our models draft settlement offers with historical creditor behavior baked in. A licensed human approves every send.
Creditor triage
Inbound mail and email are classified automatically; counter-offers are extracted and routed to a specialist.
FDIC-insured escrow
A dedicated account in your name at a regulated third-party bank. You keep control, we never touch the funds.
24/7 AI assistant
Ask anything about your program, any hour. Full context on your debts, payments, and status — escalates to humans when it should.
Fees only after settlement
Required by federal law — and how every xDebt fee works. No program fees are collected until a debt is actually settled.
Same outcome.
Meaningfully lower fees.
Most settlement companies charge what they charge because the work is manual. We rebuilt the operational stack with AI — and passed the savings on.
Legacy debt settlement
Industry-standard provider. Phone-first intake, manual negotiation, opaque dashboards.
- Human-driven intake and qualification calls
- Paperwork-heavy negotiation cycles
- Opaque dashboards, phone-first support
- Fee only earned after settlement (required by law)
xDebt platform
Same legal structure. Modern operational stack. Human expertise where it matters.
- AI reads statements and builds your plan in minutes
- AI drafts offers; licensed humans approve every send
- Real-time dashboard — you always know what's happening
- Fee only earned after settlement (required by law)
See if you qualify
in under 2 minutes.
A licensed specialist will review and reach out. No credit check. No commitment.
Questions, answered.
How does xDebt charge 20% lower fees than competitors?
Traditional debt settlement companies charge what they do because most of the work is manual: qualification calls, negotiation paperwork, creditor correspondence, support. We've automated large pieces of that pipeline with AI — licensed negotiators still approve every settlement offer, but they do it in a fraction of the time. We pass the savings on as materially lower program fees.
When do I pay xDebt?
Never upfront. Federal law (the FTC Telemarketing Sales Rule) prohibits debt settlement companies from charging fees before a debt is actually settled and a payment has been made toward it. Our fee is earned proportionally as each debt gets resolved.
Where does my money go?
Into an FDIC-insured escrow account in your name at a third-party bank — not xDebt's account. You maintain control and can withdraw funds if you need to. When a settlement is agreed upon, the payment goes from your escrow directly to the creditor.
Will this hurt my credit?
Debt settlement typically involves letting accounts go delinquent, which will negatively affect your credit in the short term. Most clients see recovery begin once debts are settled and balances drop. Settlement isn't the right option for everyone — a specialist will walk you through alternatives like consolidation or bankruptcy if they'd serve you better.
What types of debt does xDebt handle?
Unsecured debts: credit cards, personal loans, medical bills, some private student loans, and select business debt. We don't settle secured debts (mortgages, auto loans), federal student loans, tax debt, or child support.
Is xDebt available in my state?
xDebt operates in most U.S. states, but debt settlement is prohibited or restricted in a few (including West Virginia). We'll confirm availability the moment you enter your state in the consultation form.
Does AI actually negotiate with my creditors?
Not autonomously. Our AI drafts settlement offers, triages creditor correspondence, and prepares hardship documentation — but a licensed human negotiator reviews and sends every offer. You'll always know exactly who's representing you.
Ready to see your path to debt-free?
Free consultation. No credit check. No obligation.