Eliminate Collection Calls
Pay off your debt

Testimonials

Digital Negotiations are changing people’s Lives, and creditors love it too

Features – Network Affect

Manage collection, charge off, hospital, new debt payments! Negotiate from one central place!
Say Goodbye to collection calls and hold time frustrations

1
Creditor connects to YouNegotiate

Upload and connect in any format quickly and easily

2
Consumer creates profile

Single Log in to connect to your accounts. If creditor not yet connected, send an invite

3
Digital Payments

Make payments, negotiate, make offers, setup recurring payment

4
Manage Payments

Something changed? No problem, log in to postpone, change scheduled payments easily.

Choose an option you can afford

Payment

Pay your balance in full today and never have to worry about it again.

Negotiate Terms

Cannot pay your balance in full? Negotiate online to resolve your debt for less than you owe.

Make Offers

Pay your balance in full today and never have to worry about it again.

Settle Accounts

Cannot pay your balance in full? Negotiate online to resolve your debt for less than you owe.

A Stress-Free Experience

You-Negotiate offers you this free service to resolve your debt without speaking
with a collector with a simple and stress-free process.

1Easy & Secure Login

Ability to login without reference number

2Payment

Choose the option that best suits your need and set up your payment

3Confirmation

Receive email confirmations

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.

Frequently Asked Questions

Where do I find the Reference Number for my account?

The Reference Number should be clearly identified in our invitation to resolve your debt online. If you cannot locate or do not know the Reference Number, please

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What if my Reference Number and SSN don’t work?

Confirm you have correctly entered the Reference Number and the last 4 digits of your SSN. If you still cannot log in, your information may be incorrect or the special opportunity may

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What if my Reference Number and SSN don’t work?

Confirm you have correctly entered the Reference Number and the last 4 digits of your SSN. If you still cannot log in, your information may be incorrect or the special opportunity may

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