Join the Pack Waitlist

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No spam. No upfront fees. No credit check.
🐺
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.

Share your link — grow the Pack:

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.

HOW IT WORKS
Three steps to collective power.
1
Tell us who you owe.
Enter your creditors and what you owe. Pack matches you with thousands of others who owe the same companies.
2
Your pack grows.
As more people join with the same creditor, your group's leverage grows. One account is easy to ignore. Thousands aren't.
3
We settle for less.
Pack negotiates a bulk settlement with your creditor — the same strategy debt buyers use. You could pay as little as 25¢ on the dollar.
SEE FOR YOURSELF
What could Pack save you?
Total Debt
$25,000
Credit Score
700
APR
24%
Credit Score & Total Paid — 7 Year View
Without Pack
With Pack
Money You Keep with Pack
$0

Results shown are estimates for illustrative purposes only and are not guaranteed. Actual settlement amounts vary based on creditor, debt age, and other factors.

2¢
Debt buyers pay 2¢ on the dollar for your debt — then collect the full amount from you.
30¢
The average bulk settlement rate. 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. 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 Pack
Follow the Pack

Pack is currently in pre-launch waitlist mode and is not yet providing debt settlement services. By joining the waitlist, you are expressing interest only — no agreement for services is being formed. Pack does not charge any fees to join the waitlist. When services become available, Pack will charge a contingency fee based on a percentage of savings achieved — no fees are collected until a settlement is successfully negotiated and accepted by you. Settlement results are not guaranteed and depend on creditor willingness, debt type, account status, and other factors. The savings estimates shown on this site are for illustrative purposes only and do not represent a promise or guarantee of specific results. Pack is not a lender, credit repair organization, or credit counseling agency. We recommend consulting with a financial advisor before making decisions about your debt.