xDebt
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M2 onboarding portal

Settle your debt, on your terms.

xDebt uses AI to negotiate with your creditors, so you can focus on rebuilding. Create your profile, upload your statements, and get a personalized plan in minutes.

Start your plan I already have an account

You pay nothing until a debt is settled and you approve the settlement. Results vary. Settlement may affect your credit. Not available in all states.

How it works

  1. 1 Tell us about your hardship. A quick profile so we know your goals and constraints.
  2. 2 List your debts. Creditor, balance, APR. You can add or edit any time.
  3. 3 Upload recent statements. Our AI reads them so you don't have to retype.
  4. 4 We negotiate. You approve each settlement before a single fee is charged.