A true story + a step-by-step toolkit
Drowning in debt? Collections calling?
I was more than $100,000 in debt and kept running from it. Then I stopped running and used AI tools to see the whole picture, catch real errors, and build a plan. One step at a time. This book shows you how to do the same with your own records.
Prefer print? Paperback $9.99 · Hardcover $16.99
From running to a real plan
- 1Stop running: gather the letters, apps, and statements you've been avoiding.
- 2Use an AI agent to pull it all into one honest picture.
- 3Catch errors, triage what can still be saved, and build a payoff order.
Sound familiar?
This book is for you if…
- You have a stack of envelopes you haven't opened.
- There's a card or loan app on your phone you've stopped checking.
- You know the total is bad, but not exactly how bad, or where to begin.
- Accounts are past due, charged off, or with a collection agency.
- Collectors are calling and you're not sure what to say, or what to ask for in writing.
- You're curious how AI tools could help you get organized, but don't know where to start.
What's inside
Part true story. Part manual.
More than $100,000 in debt. Fifteen accounts. A credit score of 488. Here's how an AI agent helped turn something I couldn't look at into something I could work on.
What my AI agent did
- Pulled a credit report, a year of bank transactions, and collector screenshots into one report covering about $106,700 across 15 accounts
- Found more than $4,000 in payments my credit report didn't seem to reflect, organized as evidence for disputes
- Flagged a loan term that was likely wrong, a closed date that didn't add up, and debts missing from the report
- Rechecked its own work, corrected its mistakes, and labeled its guesses as guesses
- Ranked which accounts could still be saved before being charged off, and built a debt snowball payoff order
Your do-it-yourself toolkit
- A step-by-step checklist
- A dozen copy-and-paste AI prompts, from building your master list to tracking progress
- Three fill-in-the-blank letter templates: a credit bureau dispute with payment evidence, a debt validation request, and a request for written settlement confirmation
- Plain-English explanations: charge-offs, disputing credit report errors, debt validation, settlements and the 1099-C, snowball vs. avalanche, and your free reports at AnnualCreditReport.com
Honest by design
This is not a get-out-of-debt-quick story, and the debt isn't paid off yet. No gimmicks and no promised results. Just an honest look at how AI can help you see your debt clearly and take the next right step.
- Introduction: A Journey in Progress
- Ch. 1: The Number I'd Been Avoiding
- Ch. 2: Why I Turned to an AI Agent
- Ch. 3: Getting Everything in One Place
- Ch. 4: What the Agent Found
- Ch. 5: Triage: Saving What Can Still Be Saved
- Ch. 6: Collectors, Settlements, and Taxes
- Ch. 7: Building the Payoff Plan
- Ch. 8: Do It Yourself: Step-by-Step with AI
- Conclusion: Where I Am Now
Pick your format
Available now on Amazon.
Kindle eBook
Read on any Kindle or the free Kindle app. Free on Kindle Unlimited.
Buy Kindle editionList prices in USD; prices on Amazon may vary.
Questions
Can I read it free on Kindle Unlimited?
Yes. The Kindle eBook is enrolled in Kindle Unlimited, so members can read it at no extra cost. Without a membership, it's $2.99.
What formats are available?
Kindle eBook ($2.99), paperback ($9.99), and hardcover ($16.99), all on Amazon.
Do I need a Kindle device?
No. You can read the eBook in the free Kindle app on your phone, tablet, or computer.
Do I need to be good with technology or AI?
No. The book explains what an AI agent is, what it can and can't do, and includes copy-and-paste prompts you can use with an AI assistant.
Will this fix my credit or get rid of my debt?
No book can promise that, and this one doesn't. It's an honest, educational guide to getting organized, spotting possible errors, understanding your options, and building a plan. Results vary.
Is the story real?
Yes. The personal numbers come from the actual report the AI agent produced. Names of lenders, collectors, and account details were removed for privacy, and some figures are rounded.
Stop running. Start here.
See your debt clearly and take the next right step, with a story you can relate to and tools you can use tonight.