The Digital Resolution Network

Q: What is YouNegotiate® and how does it work?

YouNegotiate® is a secure digital platform that connects consumers with creditors to facilitate transparent debt resolution. Through our ecoPortal, consumers can manage past-due bills, create payment plans, and access bill-pay gift links—all in one secure location.

Q: Is the platform free for consumers?

Yes, the ecoPortal is completely free for consumers. It is sponsored by Debt Free Americans to provide accessible debt resolution services without cost to consumers.

Q: How secure is my personal and financial information?

Security is our top priority. We use bank-level encryption (HTTPS with RSA key exchange and SHA1 128-bit encryption) for all data transmission and storage. Our infrastructure is hosted on Amazon AWS and meets SAS70, ISO 27001, and PCI DSS Level 1 certification standards.

Q: Can I manage multiple creditor accounts in one place?

Yes, the ecoPortal is designed as a universal platform where you can manage all past-due accounts from multiple creditors in one secure location. This eliminates the need to juggle multiple creditor communications and provides a centralized view of your financial situation.

Q: What are Bill Pay Gift Links?

Bill Pay Gift Links allow friends and family to contribute directly to your creditor payments. These contributions are tax-deductible for the donor, making it easier for loved ones to help during financial hardship.

Q: How do creditors benefit from using YouNegotiate®?

The platform improves creditor efficiency while lowering collection costs and strengthening consumer relationships. It replaces robo-calling with self-service resolution, reduces charge-offs and repossessions, and helps maintain revenue through sustainable payment plans.

A digital self-service community where consumers, creditors, collection agencies, and law firms communicate, resolve, and manage delinquent accounts through permanent ecoPortals™. Consumer ecoPortals™ and Bill Pay Gift Links are proudly sponsored by Debt Free Americans as part of the No One Is Alone Anymore initiative.

Consumer ecoPortal™ Creditor ecoPortal™

Every consumer and organization operates through a secure ecoPortal to communicate, negotiate, and resolve accounts within the network.

PATENT-PENDING • SECURE • INFRASTRUCTURE-GRADE ARCHITECTURE

Designed for People. Built for Real Life.

Real life experiences shared with care. Identifying details withheld to protect privacy.

I've always paid my bills. One accident set me back. having a personal place to handle it directly made a big difference. That's the kind of company I stay loyal to.

— Single Mom, Linda T

Knowing when my account was escalating and being in control took the stress out of the situation.

— Consumer, Brian W

Seems like it should always be this way. I got behind and got back on track. Incredibly simple.

— Consumer, Sally W

I sent my Bill Pay Gift Link to my dad. He paid it, and I was back on track.

— Consumer, Manuel G

I paid my mom's past-due utility bill so she didn't have to worry anymore.

— Son, Nate B

Having my own portal to manage my bills when I fall behind just makes sense.

— Consumer, Brenda P

I didn't want to give my payment information over the phone. Paying through my portal felt safer.

— Consumer, Tom P

Once we saw how it worked, offering patients self-service access felt like a natural extension of our existing process.

— Healthcare Operations Lead, Keith M

I didn’t realize how much it would matter until I could manage my payment plan and scheduled payments myself.

— Consumer, Tom N

I could see exactly when my account would escalate in my portal. There were no surprises.

— Consumer, Tony G

Platform Pillars

The digital infrastructure connecting people, creditors, and community support.

Consumer EcoPortal

A secure personal ecoPortal where you can respond, resolve, and stay on track — all in one digital place.

Creditor EcoPortal

Connect billing systems and merchant processors to add a digital self-service resolution option for consumers in their personal ecoPortal.

No One Is Alone Anymore

All consumer ecoPortals feature include bill-pay gift links and QR codes sponsored by Debt Free Americans.

Communities

When we come together in one community, long term positive financial outcomes become the norm.

How people manage their accounts — all in one place.

Consumer ecoPortal Features

EcoAddress

Your secure digital identity for managing accounts in one place. Create your ecoAddress to centralize participating creditor accounts within your personal ecoPortal — replacing fragmented communication with structured management.

EcoCommunication Profile

Centralized alerts, timelines, and account updates. A single communication profile that organizes notices, payment alerts, and escalation timelines — helping you stay informed and on track.

Secure EcoMailbox

A designated place for important financial communications. Receive secure financial notices and send documented digital responses — separate from everyday email clutter.

Digital Notice Response

Enabled to digitally respond to written notices from the ecoPortal with secure, recorded delivery.

Digital Offer Response

Review and respond to structured payment offers digitally. Accept, decline, or counter payment proposals through transparent, documented workflows.

Digital Negotiations

Engage in structured negotiations. Propose terms, adjust payment amounts, and refine agreements through secure, documented exchanges — keeping both sides aligned in real time.

Universal Bill Pay Wallet

A private digital wallet for paying participating creditors across the network—regardless of merchant processor. Saves time by updating payment methods across one or multiple creditors.

Self Manage Payment Plans

Negotiate and manage your own structured payment plans. Self-manage scheduled payment plans and commitments through a secure digital interface — adjusting as life changes.

Dynamic Bill Pay Calendar

Stay organized with scheduled payment visibility. Track upcoming payments, negotiated plan and settlement deadlines in one unified calendar with optional integrations.

Bill Pay Gift Links

Share balances securely with trusted supporters. All negotiated balances, settlements, and active payment plans include a Bill Pay Gift Link and QR code you can share. Gift payments are sent directly to the participating creditor, with 100% applied to the account.

Disputes & No-Pay Reporting

Structured dispute and hardship reporting. Submit disputes or communicate inability to pay in a documented format that supports transparency and compliance.

Proof of Payment & Agreements

Access all receipts and agreements in one secure place. Maintain digital records of payments, settlements, and agreements for easy reference and documentation.

Consumer Control and Self-Management

The ecoPortal brings payment plans, notices, negotiations, and payments into one secure place — giving consumers clarity, control, and continuity across participating creditors.

Powered by YouNegotiate

YouNegotiate® powers the No One Is Alone Anymore initiative by providing free access to the ecoPortal with Bill Pay Gift Links, sponsored by Debt Free Americans.

Our Mission

Creditors provide self-service access that allows customers experiencing payment challenges to engage digitally before escalation. This approach supports sustainable account resolution for consumers while enabling creditors to maintain revenue through structured payment plans and compliant communication.

Benefits Across the Ecosystem

Creditors

Designed to support long-term customer relationships through structured payment plans, transparent timelines, and consistent digital engagement across the account lifecycle.

Collection Agencies

Designed to provide secure digital communication, structured consumer self-reporting, and documented workflows that support communication compliance and operational consistency.

Collection Law Firms

Designed to enable secure digital engagement, documented notice response, and structured account management aligned with regulated servicing requirements.

State & Federal Government

Designed to support standardized digital communication, equitable access to account engagement, and consistent documentation across regulated public programs.

Security is Our Priority

Built on secure, enterprise-grade infrastructure.

Data is encrypted in transit and at rest using industry-standard security controls. The platform is hosted within Amazon Web Services (AWS) and architected to align with recognized frameworks, including ISO 27001 and PCI DSS, following shared-responsibility best practices and continuous monitoring.

Amazon Web Services

ISO 27001–Aligned Controls

PCI DSS–Aligned Payment Infrastructure

SECURITY CONTROLS AND COMPLIANCE SCOPE VARY BY SERVICE AND CONFIGURATION.

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Stay informed with our latest articles and updates.

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Frequently Asked Questions

Find answers to common questions about our platform and services.

What is YouNegotiate® and how does it work?

YouNegotiate is a secure digital resolution infrastructure that connects consumers and creditors within a compliant, structured environment. Through the ecoPortal, individuals can manage past-due accounts, establish payment plans, and access Bill Pay Gift Links — all within one secure, self-service system.

Is the platform free for consumers?

How secure is my personal and financial information?

We operate within a security-first architecture. All sensitive data is encrypted in transit and at rest, access is role-restricted and logged, and infrastructure is deployed within hardened AWS cloud environments. The platform is designed to meet enterprise-grade compliance requirements, including SOC 2 and PCI DSS standards, with continuous monitoring and audit readiness built into our operational framework.

Can I manage multiple creditor accounts in one place?

What are Bill Pay Gift Links?

Bill Pay Gift Links allow consumers to securely share a personalized payment link with friends and family. Contributions are processed through Debt Free Americans and applied directly to the designated creditor account. No fees are deducted from the gifted amount — 100% of the contribution goes toward the bill. Donations are tax-deductible for the donor, and the program is part of the “No One Is Alone Anymore” initiative — helping individuals receive structured support during temporary financial hardship.

How do creditors benefit from using YouNegotiate®?

YouNegotiate® provides creditors with a scalable digital infrastructure designed to support long-term customer relationships while reducing operational friction. The platform enables structured self-service resolution, helping prevent unnecessary escalation, support customers during temporary hardship, and preserve sustainable revenue through compliant payment plans. It integrates alongside existing servicing and collection systems, enhancing visibility, communication, and performance without disrupting current workflows.