Struggling with debt, high loan payments, or looking for fast debt relief?

Debt Letter is your smart solution for creating legal, effective letters to reduce loan payments, pause bills, or settle debts—all in just a few taps.

Why Choose Debt Letter?

*Lower Loan Payments Instantly

Easily draft hardship letters to request lower monthly payments on credit cards, personal loans, student loans, mortgages, and more. Stop overpaying—get affordable payments that fit your budget.

*Pause Payments & Defer Bills

Facing a financial emergency or lost your job? Use our AI letter generator to request a payment pause, deferral, or hardship for up to 90 days.

*Waive Late Fees & Penalties

Prevent debt from snowballing. Ask lenders to remove late fees or reverse penalties—boosting your savings and protecting your credit.

*Settle Debt for Less
Negotiate a one-time debt settlement and pay less than you owe. Our templates help you make powerful, legally-sound offers that lenders take seriously.

How It Works

Two Simple Ways to Draft Letters:

Quick Form (Basic):
Guided steps, no legal jargon. Perfect for anyone who needs a fast, simple solution.

Smart Chat (Pro):
Chat naturally with AI:
“I owe $9,500 and just lost my job. Can I pause payments for 2 months?”
The AI will ask follow-up questions and draft a personalized, law-aware debt relief letter for you.

Helpful Tools for Debt Relief

Instant Email Delivery:
Send your debt letter to lenders directly from the app.

Tone Switcher:
Instantly rewrite your letter in Formal, Polite, Assertive, or Legal-Strong tone—in over 10 languages.

Law-Aware Templates:

Letters reference consumer protection laws for the US, UK, Canada, and more.

Track History & Set Reminders:

Stay organized with a full record of sent letters and schedule follow-up reminders.

*Perfect For:

. Credit card debt, personal loans, and auto loans
. Student loan relief & medical bills
. Mortgage or rent hardship
. Small business loan extensions
. Anyone needing fast debt help or a payment pause

Take control of your debt today.

No more guessing what to write—Debt Letter helps you lower payments, pause bills, or settle debt quickly, easily, and legally.