✍️ Generate Your Negotiation Script
Tell Om about your debt situation. It will write you a clear, professional negotiation script — what to say on the phone or in person to get a better deal.
📧 Write a Hardship Letter
A formal written hardship letter to a creditor can stop collection activity and unlock payment options that phone agents can't offer.
💡 Know Your Rights With Debt
Collectors Can't Harass You
In most countries, debt collectors cannot call repeatedly, use threatening language, contact you at work, or discuss your debt with others.
You Can Request Letter Only
In the UK/Ireland/USA/AUS, you can legally request that a creditor or collector only communicates with you in writing. This is your right.
Statute of Limitations
Old debts can become legally unenforceable. In most countries, unsecured debts become unenforceable after 6 years of no contact (varies by jurisdiction).
Creditors Prefer Some to Nothing
A creditor who gets 30% of a debt is far better off than one pursuing court action. Always negotiate — the worst they can say is no.
📞 Free Debt Help
Ireland — MABS
Money Advice and Budgeting Service · 0818 07 2000 · mabs.ie · Completely free
UK — StepChange
stepchange.org · 0800 138 1111 · Free confidential debt advice
USA — NFCC
National Foundation for Credit Counselling · nfcc.org · 1-800-388-2227
Australia — NDH
National Debt Helpline · ndh.org.au · 1800 007 007 · Free financial counsellors