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®!

Win-Win Network Benefit

Creditors and consumers can manage all collection accounts in one place and say goodbye to
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.