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Take Control of all your collection accounts on your terms

Your Digital Negotiator

YouNegotiate is a free digital negotiation service to help consumers negotiate
payment terms with their creditor

1Set up your secure account

2Connect all collection accounts

3Digitally work with your creditor to resolve your debt

4Manage payment arrangements based on life changes

Testimonials

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

Digitally Negotiate Terms

Pay off in Full

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

Negotiate Terms

YouNegotiate will walk you through negotiate terms between you and your creditor to find the term you can afford

Make Offers

If you cannot negotiate terms that you can afford, make an offer

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

Read More
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