A better path to debt-free.
xDebt is a modern debt-resolution program that uses AI to automate the heavy operational work behind the scenes. The result: 20% lower fees than the average competitor, faster settlements, and a clear, real-time view of your progress.
Four steps, one guided program.
AI handles the repetitive, paperwork-heavy parts of debt resolution. Licensed human negotiators handle the decisions. You get a clear 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 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.
We settle, pay off
AI drafts offers, licensed negotiators approve, and settled debts are paid from escrow.
See what debt-free could look like.
Slide to match your total unsecured debt (credit cards, personal loans, medical).
Based on typical settlements that resolve enrolled debt for a fraction of the face 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.
Same outcome.
Meaningfully lower fees.
Traditional settlement companies charge what they do because the work is manual. We rebuilt the operational stack with AI — and passed the savings on to clients.
Legacy debt settlement
Phone-first intake, manual negotiation, opaque dashboards.
- Human-driven intake and qualification calls
- Paperwork-heavy negotiation cycles
- Limited dashboards, phone-first support
- Fee only earned after settlement (required by law)
xDebt platform
Same legal structure. Modern operational stack. Humans where they matter.
- 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)
Real people. Real progress.
"After years of minimum payments going nowhere, xDebt finally gave me a plan that works. My first debt was settled in four months. I can see the finish line now."
"The dashboard is the thing that sold me. I can see every account, every payment, the balance in my escrow — I finally feel in control of my finances again."
"I compared three companies. xDebt had lower fees and better tech. My specialist Sandra has been with me every step — it's the best of both worlds."
The protections you expect.
The transparency you deserve.
FDIC-insured escrow
Deposits sit in a dedicated account in your name. You keep control and can withdraw anytime.
Licensed negotiators
Every settlement offer is reviewed and sent by a human negotiator — AI drafts, people decide.
Real-time dashboard
See your escrow balance, which creditor is next, and projected debt-free date, live.
No upfront fees
We don't earn a cent until one of your debts is actually settled — federal law, and our policy.
Faster cycles
Automated creditor triage and AI-drafted offers can shorten time-to-first-settlement.
Chat-first support
Ask anything — our AI assistant has context on your program and escalates when it should.
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 right 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.