The Smarter Way to Manage Credit Card Debt
Stay on top of your credit card debt with AI-driven guidance and essential financial tools—all starting with Dynamo Defense. Get the support you need to manage your bills, communicate with creditors, and take control of your financial future.
Communication Tracker
Track conversations with creditors and debt collectors to stay organized.
Payment Reminders
Get automated reminders to help you stay on top of your bills.
Understanding Your Options
Learn what happens when you miss payments and how to protect yourself.
More Free Tools
We're constantly adding new resources to help you take control of your situation.
Why Hi Dynamo?
Take Control of Your Debt—On Your Terms
Navigate Your Options with AI
No matter where you are in your financial journey, our AI-powered tools help you explore the next best steps for managing your debt.
Protect Yourself from Creditors
Track interactions with creditors, access helpful templates, and stay organized—so you're always in control of your financial situation.
Stay Ahead with Smart Financial Tools
From automated payment reminders to a communication tracker, Hi Dynamo! gives you the resources to manage your debt and avoid falling further behind.
Find the Right Plan for Your Debt-Free Future
Dynamo Defense
Get started with essential tools
- ✓Communication Tracker
- ✓Payment Reminders
- ✓Learn About the Delinquency Lifecycle
- ✓Know Your Rights
Dynamo Defense Plus
$35 one-time fee USD
Advanced features for better results.
- ✓Dynamo, Your AI Debt Conversation Coach
- ✓Customized Communication
- ✓Advanced Delinquency Information
- ✓Right to Human Interaction Letter
Need More Support? Unlock Dynamo Defense Plus.
Meet Dynamo – Your AI Debt Conversation Coach
Dynamo helps you navigate difficult financial conversations by acting as an AI Debt Conversation Coach. Practice handling collection calls, making the right ask for payment programs, and managing aggressive collection tactics—all in a safe environment before you pick up the phone.
- Practice Conversations
- Negotiate with Confidence
- Handle Aggressive Collectors
- Take Control of Your Financial Future
Falling Behind on Payments? Let's Find the Best Path Forward.
If you're struggling to keep up with bills, it's important to know your options. Use our tools to explore solutions and stay in control—no credit check required.
See If You Qualify
Answer a few quick questions to see if debt settlement is an option for you.
What's your credit card balance?
Answer Quick Questions
Check if debt settlement is right for you
See Your Options
Get instant estimates based on your situation
Get AI Guidance
Learn how to move forward with your best options
Got Questions? We've Got Answers!
Everything you need to know about Hi Dynamo! and how our AI-powered tools help you take control of your credit card debt.