Pre-license — join the wait-list
Settle your debt, on your terms.
xDebt uses AI to negotiate with your creditors so you can focus on rebuilding. We're finalizing licensure and accepting wait-list signups now — we'll reach out the moment we can serve your state.
No fees are collected during the wait-list period. Once xDebt is licensed in your state we'll send a one-time activation link. You may unsubscribe at any time. See licensing & disclosures.
How xDebt works
- 1 Tell us about your hardship. A quick profile so we know your goals and constraints.
- 2 List your debts. Creditor, balance, APR. You can add or edit any time.
- 3 Upload recent statements. Our AI reads them so you don't have to retype.
- 4 We negotiate. You approve each settlement before a single fee is charged.
Debt settlement involves risk, may negatively impact your credit, and may have tax consequences. Results vary; not all debts can be settled. xDebt is not a credit-repair, credit-counseling, or loan company. Read the full risk disclosure.