Negotiate Your Debt Yourself.
Keep the 25% Fee.
An AI coach that walks you through debt settlement — creditor scripts, demand letters, and negotiation tactics. The same outcome as a £3,000 settlement company. For £49.
The Debt Settlement Industry Is Broken
Debt settlement companies charge 15-25% of enrolled debt. On £15,000 of credit card debt, that's £2,250-3,750 in fees — and you still pay the settlement. After fees, the average person saves just 18%.
Predatory Fees
Debt relief companies charge 15-25% of your total enrolled debt. The FTC has banned dozens of firms for deceptive practices.
2-4 Year Lock-In
Most programs require you to stop paying creditors and instead pay into their escrow — for years — while your credit tanks.
Credit Score Damage
Delinquent accounts + settled-for-less marks stay on your credit report for 7 years. But the same happens if you negotiate yourself.
No Confidence to DIY
Most people know calling creditors works. They just don't know what to say, what to offer, or how to handle pushback.
The DIY Debt Negotiation Coach
An interactive app that gives you the exact scripts, templates, and strategies the professionals use — so you can negotiate yourself and keep the fees.
📞 Creditor-Specific Scripts
Exact call scripts for Chase, Capital One, Barclays, Amex, and 25+ other creditors. Including what to say when they push back.
Ready to deploy📝 Demand Letter Templates
Settlement offer letters, hardship letters, debt validation letters, pay-for-delete templates. Fill-in-the-blank, print, and send.
Ready to deploy🧠 Negotiation Simulator
AI role-play practice. The app plays the creditor. You practice the call. Builds confidence before you dial the real number.
AI-powered📊 Settlement Calculator
Input your debt, creditor, and account age. Get a target settlement range (typically 30-60% of balance). Know what to offer before you call.
Data-driven📅 Timeline & Milestones
Step-by-step plan from first call to settled-in-full letter. Track every call, every offer, every counter-offer. Never lose the thread.
Progress tracking⚖️ Legal Rights Database
FDCPA protections, statute of limitations by state, what collectors can and can't say. Know your rights before they intimidate you.
Compliance-builtThe Math Is Simple
Same outcome. Drastically different cost.
Debt Settlement Company
On £15,000 of debt
- 15-25% fee on enrolled debt
- Monthly "admin" fees
- 2-4 year commitment
- You stop paying creditors
- Credit tanks for years
- FTC ban list growing
- They control the timeline
DIY Debt Negotiation Coach
One-time. Yours forever.
- One £49 payment, no % of debt
- No monthly fees, ever
- Use at your own pace
- You stay in control
- Same credit impact either way
- No middleman between you and creditor
- You decide when to call
The Market
| Metric | Value | Source |
|---|---|---|
| Global debt settlement market (2026) | $11.0 Billion | Persistence Market Research |
| Projected market (2033) | $17.0 Billion | Persistence Market Research |
| Avg US credit card debt per household | $7,951 | Federal Reserve 2025 |
| UK average unsecured debt per adult | £4,301 | The Money Charity, May 2026 |
| Debt relief companies FTC-banned | Dozens and growing | FTC Legal Library |
| Searches for "negotiate debt myself" | +38% YoY | Google Trends |
Three Ways to Monetize
Buy the Product
One-time purchase. Full access to scripts, templates, calculator, and negotiation simulator. Lifetime updates.
Build for You
White-label version for your business. Custom branding, your creditor database, your pricing. Deployed to your domain.
Venture Studio
If nobody buys within 30 days, Sovael builds and launches it as an internal product. You can still license or invest.
Frequently Asked Questions
Is DIY debt negotiation legal?
Yes. You have the legal right to negotiate with your creditors directly. Nothing requires you to use a third-party company. The Fair Debt Collection Practices Act (FDCPA) protects your right to deal with creditors yourself.
Will this hurt my credit score?
Settling debt for less than the full amount will appear on your credit report either way — whether you do it yourself or pay a company. The credit impact is identical. The difference is £49 vs £3,000 in fees.
What types of debt does this cover?
Credit cards, personal loans, medical debt, and collection accounts. It does not cover secured debt (mortgages, car loans) or student loans (different rules apply).
How is this different from Relief.app or National Debt Relief?
Those are full-service debt settlement companies — they negotiate FOR you and charge 15-25% of your debt. This is a DIY coach — it gives you the scripts and tools to negotiate YOURSELF. Same outcome, no percentage fee.
What's the success rate?
Creditors settle with individuals at roughly the same rate as with settlement companies — typically 30-60% of the balance. The key is knowing what to offer and how to handle the conversation. That's what the Coach provides.
£49. One Time. Settle Your Debt Yourself.
The debt settlement industry charges £2,250-3,750 for scripts and phone calls. Get the same scripts, the same templates, and an AI negotiation simulator — for the price of dinner.
Buy Now — £49 → 💬 Discuss with Sovael →30-day refund if you don't save at least £500 on your first settlement.