Pricing

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Get a free assessment and checklist. Buy a single document for $39.99, or the Full Case Kit for $99. No subscriptions, no recurring fees.

Disclaimer: DebtFend AI is a self-help tool, not a law firm. AI-generated documents should be reviewed by a licensed attorney before filing. This tool does not constitute legal advice. No results are guaranteed. Service fees are for document generation and tools, not for any particular outcome or result. For educational and informational purposes only.

Free

For anyone facing a debt or credit issue.

Free case assessment
Answer-deadline checklist
1 AI chat question set

Single Document

$39.99one-time

Buy only the document you need.

Pleadings, Discovery, Settlement plan, Credit report, or Credit letters
Re-edit and download your draft anytime
No subscription

Best valueFull Case Kit

$99one-time

Everything for one case.

Draft Answer (pleadings defense)
Discovery Responses
Settlement Plan
30 days of access

Choose a single document

Each document is a one-time $39.99 purchase. Buy only what you need, when you need it.

Draft a response to a debt lawsuit

Pleadings Defense

$39.99one-time

Guided intake for your document type
Draft Answer, motion, or general denial for review
Affirmative defenses checklist
Copy and download of your draft
Re-open and edit your saved draft anytime

Not included: Not legal advice and not reviewed by a lawyer · Does not file anything with a court for you · Coverage varies by jurisdiction — confirm your state is supported before buying · No guaranteed outcome

Organize and draft discovery responses

Discovery Responses

$39.99one-time

Guided intake for interrogatories, RFPs, and RFAs
Draft response to each numbered request
Objection guidance for improper requests
Copy and download
Re-open and edit your saved draft anytime

Not included: Not legal advice and not reviewed by a lawyer · Does not serve responses for you · You must verify the response deadline from your court rules · No guaranteed outcome

Track creditors, offers, and settlements

Debt Negotiation Portal

$39.99one-time

Creditor records and account status
Offer and counter-offer log with history
AI-suggested settlement ranges and strategy
Payment tracking
Exportable records

Not included: Not legal advice · Only negotiate debts already in default — do not stop paying current accounts to qualify · No guarantee of any settlement outcome · Does not contact creditors for you

Review your credit report and get an action plan

Credit Report Analysis

$39.99one-time

Organized review of uploaded report information
Categorized accounts
Action checklist
Identification of accounts that may be negotiable or disputable

Not included: Not legal advice · Only as accurate as the report you upload · Does not dispute items for you · No guarantee of any credit-score result

Request removal of a late payment

Goodwill Letters

$39.99one-time

Editable draft goodwill letter
Delivery checklist
Re-open and edit your saved draft anytime

Not included: Not legal advice · Goodwill removal is discretionary — no guarantee · Only for accurate items you legitimately owe · Does not send the letter for you

Dispute inaccurate credit-report items

FCRA Dispute Letters

$39.99one-time

Editable draft FCRA dispute letter
Documentation checklist
Bureau and furnisher routing guidance
Re-open and edit your saved draft anytime

Not included: Not legal advice · No guarantee the item will be removed · Does not file or send the letter for you · Investigation results depend on the bureau

Buy only what you need

Start with the free assessment. Pay for a single document or the Full Case Kit — no recurring charges, ever.

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