This web application offers an easy solution for identifying, negotiating and paying outstanding debts. This web app gives user complete control over what they pay, and when. So it will be user’s choice what works for them based on their circumstances. This app provides one-off fixed payment option to the user and gives chance to make an offer and clear their delinquent account in one go. This web app also provides monthly payment plan for those who are looking to make regular payments, and pay off their balance a bit at a time.