I've been the collector. The software builder. And the person getting the calls.

Now I help people like me — and like you — flip the script on debt.

For a flat fee. No percentages. No fine print. No BS.

Who I Am
[Madison's Headshot]

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I've sat on every side of this table.

I'm Madison. A recovered addict, single mom to a 6-year-old, and someone who fled domestic violence. My ex took out debt in my name — debt I'm actively paying down right now using the same strategies I teach my clients.

I worked creditor-side at Spring Oaks Capital as a top 10 performer. I scaled collections from $60K to $325K per month. 72% hold rate. 100% compliance. I know what collectors are trained to say, how they're incentivized, and when they're most desperate to close.

I've worked WITH the biggest settlement agencies: Freedom Debt Relief, National Debt Relief, NewDay Financial, American Consumer Credit, DMB Financial. I've seen the back office. I know what they charge, what they hide, and what they actually do behind closed doors.

I built CRM systems for debt settlement companies at Forth (Debt Pay Pro). I know what the software tracks, what flags get raised, and how your data gets used.

"I know what collectors are trained to say. I know what settlement companies actually do behind closed doors. I know what the software tracks. And now I'm using ALL of it to help people fight back."

I don't hide my own debt — I own it as proof my strategies work. I'm not some corporate consultant who studied this in theory. I'm living it. I'm winning. And I'm teaching you how.

The Problem

The debt industry makes money from your confusion.

Traditional settlement companies charge 15-25% of your enrolled debt. On $30K, that's $4,500-$7,500 gone. They lock you into 24-48 month programs with hidden fees and vague timelines.
Bankruptcy costs $1,500-$2,000+ and stays on your record for 7-10 years, affecting housing, employment, loan rates, and credit. Before you file, know what they're not telling you.
Collectors bank on you not knowing your rights. The FDCPA protects you, but most people don't know when violations happen. Every violation is leverage you're leaving on the table.
Every month you don't act, interest piles up. Every month you DO act, debt shrinks. The most expensive thing you can do is nothing.
Our Foundation

Transparency isn't a feature. It's the foundation.

You're here because somewhere along the way, someone hid something from you. An interest rate. A fee. A clause.

We built DebtFlip to be the opposite. Every fee is explained. Every dollar has a reason.

Flat fees, plain English, no fine print — the way it should have been from jump.

Pricing

Pick Your Path

All tiers include $45/mo for app/tracker/portal access.

Tier A — DIY
You Run The Show
$37.50 one-time
Ebook only (no portal access, but locked preview of dashboard)
  • Complete insider playbook
  • Scripts & negotiation tactics
  • FDCPA violation guide
  • Dashboard preview (view only)
"Two lunches. That's what this costs. Skip two lunches now so you can eat in luxury six months from now — debt free."
Get Started
$75 signup + $45/mo
Ebook + 2 tokens + full app access
  • Everything in ebook option
  • Full dashboard & tracker
  • 2 strategy tokens
  • Portal access (cancel anytime)
"What's $45/mo when your debt is costing you hundreds in interest and years of stress?"
Get Started
Most Popular
Tier B — Guided
Madison Coaches You
$325 to start
$75 signup + $250 game plan + 30-min walkthrough
Then: $100/enrolled debt + $45/mo
  • Madison sits on every call coaching you
  • You make the calls, she tells you what to say
  • FDCPA violation monitoring in real-time
  • After-call strategy discussions
  • Full dashboard & portal access
"What's $250 when you're staring down $20K in debt? This isn't an expense — it's the investment that ends all the other ones."
Get Started
Tier C — Assisted
Madison Negotiates, You Listen
$75 signup + $350
$350 negotiation fee + per-debt fee + $45/mo
1-8 debts: $150/debt | 9+ debts: $100/debt (all debts drop to $100)
Caps: 8 debts = $1,625 | 11 debts = $1,675 (under $1,700)
  • Madison picks up the phone
  • She negotiates while you listen in
  • Full settlement handling
  • Real-time coaching & insights
  • Full dashboard & portal access
"You've been losing sleep over these calls. For less than one month's minimum payments, I make them FOR you."
Tier D — Full Service
You Do Nothing
$75 signup + $500
$500 full management fee + per-debt fee + $45/mo
1-6 debts: $175/debt | 7-9 debts: $125/debt | 10+ debts: $100/debt
Caps: 6 debts = $1,625 | 9 debts = $1,700 | 11 debts = $1,675
  • You do nothing. Madison does everything.
  • Complete hands-off management
  • All calls, all negotiations, all follow-ups
  • Check your portal and watch debt disappear
  • Full dashboard & portal access
"Under $1,700 to make it all go away — no bankruptcy on your record, no 7-year scar, no judge. Just results."

Let's Talk About $37.50

🍔
Two Big Mac Meals
$30
📺
Netflix (1 month)
$22.99
🚗
One Uber ride
$35
⛽
Less than a tank of gas
$40

Why Every Fee Exists (Transparent Breakdown)

$75 Signup
Filters out people who aren't serious. If you're ready to change your financial life, $75 proves it.
$45/mo App Access
Less than your phone bill. Keeps your dashboard live, tracker updated, community access. Cancel anytime. What's $45 when your debt is costing you hundreds in interest and years of stress?
Per-Debt Fees
No percentages. No "we'll take 25% of your enrolled debt" nonsense. Flat. Transparent. You know exactly what you're paying before we start.
Service Fees ($250/$350/$500)
This is what you're paying for my time and the insider knowledge I built working the other side. Every dollar you spend here saves you multiples on the other end.
The Difference

"Us vs. Them" — Side by Side

Settlement Companies DebtFlip
Pricing Model 15-25% of enrolled debt Flat per-debt fees
Cost on $30K debt $4,500 - $7,500 $200 - $1,700 (depending on tier)
Hidden Fees Maintenance fees, setup fees, "processing" None. Transparent up front.
Contracts Long-term, hard to cancel No contracts. Cancel anytime.
Who Negotiates Entry-level rep, high turnover Madison (former top-10 collector)
Language Legal jargon, confusing terms Plain English, no BS
What You Learn Nothing (black box process) Skills for life

Ready to flip your debt?

Six months from now, you'll wish you started today. Start today.

Flat fees, no contracts, cancel anytime.

View Pricing