We created ReadyForZero because we needed a way to automatically manage and reduce debt online. In the United States, Americans manage over $11 trillion in personal debt on their own. Reducing debt and protecting credit are common financial goals that affect more than 144 million Americans, and we’re here to help. ReadyForZero can help you better manage credit card, student loan, mortgage, auto loan or other personal debt online - automatically. In short, ReadyForZero is dedicated to the creation of financial tools that simplify your life. We are not a debt settlement, credit counseling, or credit repair company.