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Cards first. Loans and insurance next.

Overpaying: $2,140/yr.1

That’s an illustrative household. Deb itemizes what your cards cost you, asks your issuer to cut it, and bills only on savings your statement confirms. We work for you, not the banks.

By joining, you agree to get texts from Deb about the waitlist and your savings. Message frequency varies. Msg & data rates may apply. Reply STOP to opt out, HELP for help. Consent isn’t a condition of any purchase. See SMS terms and privacy.

ITEMIZED ESTIMATE · ILLUSTRATIVE
Card APR above what you could getPhase 1: cards
$1,310
Card fees you could get waivedPhase 1: cards
$0 to $95
Car loan above refinance ratesComing later
$560
Insurance above market quotesComing later
$270
Overpaying / yrUp to $2,140, illustrative estimate
Deb’s fee if nothing changes$0.00

How it works, by text

  1. 01

    Text us

    Join by text and connect your cards through a secure link. Nothing sensitive is ever sent by SMS.

  2. 02

    See it itemized

    Deb estimates what you overpay on interest and fees, line by line, and labels every number as an estimate.

  3. 03

    Approve one ask

    Reply YES to one specific action. Deb calls your issuer, conferences you in, and never pretends to be you.

  4. 04

    Pay only on proof

    When your statement shows the savings, Deb takes its share. No savings, no fee.

  • Sensitive steps open in a secure link
  • One ask per message, nothing without your YES
Deb

  1. Hi, it’s Deb. Your cards are connected. You’re overpaying about $2,140 a year (estimate). Here’s how I got it:

    Your breakdownSecure link · expires soon

  2. First ask: your highest-rate card. Issuers often cut APRs for people who ask. Want me to call them? Reply YES.

  3. YES

  4. On it. Approve the call and pick a time:

    Approve one callSecure link · expires soon
  5. Approved. Calling between 2 and 4 pm.
Illustrative example. Real threads never include balances or account numbers.

We only get paid when you save

Deb keeps a share of the savings your statement proves, for the window the savings last. Issuers pay us nothing, so the only person we work for is you.

  • No savings, no fee. No subscriptions.
  • A temporary APR cut is billed for its months only, never annualized.
Example: one APR cutConfirmed on statement
Interest you would have paid, 6 mo$1,240
Interest after the cut, 6 mo$852
Confirmed savings$388, confirmed on a statement
Deb’s share (25%)$97
You keep$291

Illustrative example. Fee share shown is a placeholder until pricing is final.

Starting small, on purpose

First

Credit cards

APR reductions, late-fee reversals, annual-fee waivers, and switches to no-fee cards you already qualify for with your issuer.

Later

Loans

Auto, then personal loan refinancing. Not available yet.

Later

Insurance

Auto, then home and renters. Not available yet.

1 Illustrative example for a household with two credit cards, a car loan, and auto insurance. It is not a prediction or a guarantee; your savings may be lower or zero. Deb starts with credit cards only. Loan and insurance savings are not available yet.