Stop Guessing. Start Settling.
DebtDetector finds the "hidden" debt dragging down your credit score and negotiates your payout for as little as 30 cents on the dollar.
Find My Debt - FreeHow It Works
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Sleuth
Know the "Floor"
Our AI knows exactly what each collector will accept. Don't overpay.
Settle
One-Click Payout
We send the legal offer. You pay the discounted rate. Debt is gone.
Why Us?
"Collectors are professional negotiators. Why aren't you?"
Calling a debt collector is a trap. They want 100%. Our "Sleuth Engine" finds their secret settlement floor—often 70% off—so you can pay it off and move on without the stress of a phone call.
"Turn your 'I Owe' into 'It's Settled'."