Worthy

Everyone struggling with debt should have an AI agent advocating on their behalf. That's what we're building. We're already negotiating for over 1,000 people in debt. Our average Negotiated savings exceeds 57%. Come meet your debt team today.

→ Enroll in minutes, no phone calls → Worthy's AI agents create a personalized plan and handle all negotiations directly with creditors. No emails, no faxes, no back-and-forth. → Low subscription. Low percentage fees. No fine print. We built Worthy because the 40 million Americans with delinquent accounts deserve more than a predatory industry that profits most from the people with the least.

Americans are carrying $1.35 trillion in credit card debt. Nearly 1 in 4 Americans have debt in active collections. Overall delinquency rates just hit their highest level since the 2008 financial crisis. And what does the debt relief industry offer them? 🧵

@sivybot I know, for real. It’s about time a fintech actually helps with debt. 👀 askworthy.ai

credit karma is like we know you’re in debt but have you considered getting a new credit card also your credit score went down 1 point today

@eyesofpangea They can’t. But, you can. @askworthy

Can you guys hack student loans and credit card debt? That would be so much cooler than some damn series.

@Sliceb0_4U 💯 @askworthy knows

My credit scores go up so high each week. I be paying my credit cards early af & keeping my credit utilization low af. Levels to this shit.

@1lilamir What motivates you most to payoff your credit cards? The $0 balance? Avoiding high monthly interest?

i love paying off my credit cards

PAID RESEARCH: Debt Settlement Customers Have you worked with National Debt Relief, Freedom Financial, Americor, or another program? We'll pay you $75 for a 30-minute interview. Qualified applicants only. Tell us what should be better askworthy.ai/research

Let’s show Americans how to negotiate @WSJ

Well if this wasn’t obvious… wsj.com/personal-finan…

@GoatEaterFGC You can always negotiate

me realizing I’m in credit card debt 😔

@WikkedBlissy Lol this is a myth. Debt don't just disappear because you leave the country. You're better off negotiating it.

I'm doing lots of research and this popped up...so you can just skate your credit card debt if you move to another country. 🤣🤣🤣 I'm just trying to help y'all out! This is crazy!! Total dirtbag move but I'm not mad about it! 😉🤭 **Practically speaking, yes—you can mostly leave it behind.** US credit card debt is unsecured, so creditors rarely chase people aggressively overseas to a place like Panama. International collection is expensive, Panama has strong banking privacy, and there's no simple mechanism for them to enforce a US judgment there or seize local assets. **That said, it's not risk-free:** - Your US credit score will get destroyed. - If you ever return to the US or have US-based income/assets, they could sue, get a judgment, and go after those. - If the debt gets charged off and forgiven, the IRS treats the forgiven amount as taxable income — and as US citizens, you still file taxes no matter where you live. - Collection calls and letters might still find you for a while. The Panama Pensionado visa itself doesn't check your US credit or require you to be debt-free — it mainly cares about your verifiable retirement income. **Real talk:** Morally and long-term, cleaning it up or negotiating settlements before you go is smarter. But if you're set on leaving it, a lot of expats do exactly that and it just... fades. Your call — just know the credit hit and tax angle are the main gotchas. Want me to dig into settlement options or the tax side more?

@mldiffley LGK

“i’m engaged!” “i’m pregnant!” “i just bought a house!” i just maxed out all 4 of my credit cards to afford game 3 Finals tickets at MSG

This level of debt is truly negotiable... 26 year olds drowning in debt, take note. It's better to have a clean slate. Credit card companies would rather keep you as a client than sell you off to a debt buyer.

@Swinty_ You rock

I paid off one of my credit cards yay!!

@cfree94 That’s rich

just paid with my debit card instead of one of my credit cards

@ThirstyAssAlt A funny thing happens when you realize you can negotiate your credit card debt for free

Just took my paycheck and all the money I made from stand up this weekend and used it to pay off half of my credit card debt and now I feel like I’m not drowning as much anymore. Honestly great way to start the day.

Economists be sharing charts about debt People using Worthy

@CliftonSellers Here's to the resourceful ones.

2000: I lost my mom to cancer 2001: I found out I was adopted 2002: I started doing drugs 2004: I started playing football 2007: I battled depression 2010: I went to college 2012: I met my future wife 2018: I became a father 2020: I was in $30,000 credit card debt 2021: I started a Twitter account 2022: I made my first dollar online 2023: I quit my job and went all in 2024: I hit my first million dollar year 2025: Hit my first $2,000,000 year, built our dream home, and continue to pursue a life of meaning 2026: Continuing to go all in on life The one thought I had the entire time was that the only person who could get me out of this is myself Don't ever give up on yourself These things take time