🐺 Now Accepting Founding Members

The banks negotiate
in bulk. Now you can too.

Pack pools people with the same creditor debt and negotiates settlements as a group — turning individual accounts into collective leverage.

Join the Pack

Tell us who you owe. We'll tell you when your pool is ready.

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No spam. No fees. No credit check. Just power in numbers.

🐺

You're in the Pack.

We'll reach out when your creditor pool is ready to negotiate. The bigger we grow, the better the deal.

Grow the Pack, move up the line.

Share your link. Every friend who joins strengthens your negotiating pool.

Founding member spots are limited. The bigger the Pack, the better the deal.
How it works

Three steps to collective power.

1

Join the Pack

Tell us who you owe and roughly how much. Takes 60 seconds. No credit check.

2

We build your pool

Pack groups you with thousands of others who owe the same creditor. The pool grows until it has real leverage.

3

We negotiate as one

Pack makes a bulk settlement offer: settle all accounts at once for significantly less. Creditors say yes because volume wins.

Debt buyers purchase your debt from creditors for as little as 2 cents on the dollar — then collect the full amount from you.
30¢
The average settlement rate a debt buyer negotiates in bulk — because volume creates leverage.

They've always had the power. Until now.

Billion-dollar debt buyers negotiate your debt as a portfolio — settling for pennies on the dollar while you pay full price. Pack gives consumers the same weapon: collective scale. When thousands of accounts hit one creditor at once, the math changes in your favor.

Like millions of Americans, I faced debt and couldn't find a real solution — just band-aids. So I built one.

Joe Barone — Founder, Pack

Alone you're one account.
Together we're leverage.

Join the waitlist. The bigger the Pack, the better the deal.

Join the Pack →