The resolution API
Digital self‑service. A clear path forward.
YouNegotiate turns creditor Pay Terms into clear settlement and payment-plan choices consumers can act on without the phone tag.
pay_terms.preview
MASTER TERMS · live
01
02
Pay-plan discount
15%
03
Plan balance
$7,157.00
04
10% monthly rule
$715.70/mo
$8,420 × (1 - 15%) = $7,157 × 10% = $715.70/month
10 payments · first payment within 30 days
PAY TERMSpayment-plan offer
eligible to accept
Built by consumers, for consumers. Designed for secure digital resolution.