The fastest & easiest way to pay bills
With utmost care and respect, we are dedicated to helping 100 million people pay their bills and build their dreams
What Consumers are saying about YouNegotiate®!
The total debt just jumped 11.7% to over $55T and this app is a game-changer for consumers like me.
I have a stack of hospital bills from an accident and was too overwhelmed to do anything. Wow YouNegotiate® is a life changer and so simple to use. I plan to use it for all my accounts and never worry about the phone again!
I had a bag of bills on my table for months, too overwhelmed to deal with them. YouNegotiate® actually made it simple, fast and fun to take care of the bills and get on with my life! I’ll never handle my collection accounts any other way!
I had a 729 credit score that sunk to a 623 after some bad decisions. YouNegotiate® is going to help so many people get back on track! It’s so easy and fun to use!
Win-Win Network Benefit
collection calls, frustration, time & cost.
Creditors Upload Account Data
Upload and connect in any format quickly and easily.
Consumers Create Their Profile
One login to connect to ALL collection accounts. You can easily invite any creditors that haven’t uploaded your account data.
Consumers Manage Accounts
Manage all of your digital payments, negotiations, and offers on one platform and know where you stand at all times.
Consumers Adjust Payments as Needed
In your account you can postpone payments or change scheduled payments in the event of a life change. You are in control of paying your accounts and have the flexibility you need to make all of your payments.
Finally, a free bill payment solution that makes sense
YouNegotiate® offers this easy-to-use service free of charge to all consumers in order to help resolve debts in the way that works best for each individual. No need to speak to a collector or creditor, ever again. Instead, just manage your account with us and get out of debt at your pace.
Quick & Secure Login
Ability to login without a reference number
Easily Make Payments
Choose the option that best suits your needs and set up your digital payment
Receive Immediate Confirmation
Receive an email confirmation of all payments and see it instantly reflected within your account.
Security is Our Priority
This site uses state-of-the-art cryptographic algorithms during data transmission
(HTTPS with RSA key exchange mechanism and SHA1 128-bit encryption) and in our
databases (encryption with unique keys). Data is hosted on Amazon AWS infrastructure
configured to meet SAS70, ISO 27001 and PCI DSS Level 1 certification with 24×7 monitoring.
YouNegotiate® offers a free service to all consumers in order to resolve debts and pay bills in a single place through a simple process that doesn’t require you to speak to a collection agent or a creditor. We believe in the need to fix the consumer debt problem and that our platform is the solution to help consumers understand their personal debt situation and be able to easily make or change payments at any time.