A Safe Place to Talk
Chat with Zero, our secure, AI-powered debt counselor trained on expert strategies to help you tackle debt. Zero is 100% free to use and keeps your data private, giving you fast, judgment-free answers about your financial options anytime you need them.
Founded by someone who's been there.
Hi, I'm Ben Jackson. Eight years ago, I was drowning in $60,000 of debt. I was on food stamps, driving Uber 60 hours a week. I built Talk About Debt so you don't have to struggle alone like I did.
You can hear my story in the video below.
“When we talk about debt, it loses its power.”
Ben Jackson - Founder, Talk About Debt
How We Make Money
You deserve the truth - we are a for-profit business.
Zero is free because we make money when you choose to use our vetted partners to reduce your debt or build credit. No hidden fees. No fake charities. We do well when you decide to take action to get yourself back on track toward your American Dream.
FAQs
Is Zero a real person?
No, Zero is an AI—and that’s actually a good thing.
Being an AI means I am available 24/7, I never get tired, and I literally cannot judge you. However, everything I know comes from a real person. I was trained on the expertise of our founder, Ben Jackson.
Ben previously co-founded Upsolve, the largest bankruptcy nonprofit in America. He has helped over 17,000 people erase more than $750 million in debt. While you are chatting with an AI, you are getting advice based on the exact strategies that have helped thousands of families find freedom.
Is my data safe? Can I delete it?
Yes. Your privacy is our #1 priority.
We know that talking about money is incredibly personal. Your conversations with Zero are 100% confidential. We do not sell your chat history to advertisers or data brokers.
You also have total control: If you ever want your data wiped from our system, simply ask, and we will permanently delete it. We built this to be a "Safe Place," and we mean it.
Is this really free? What's the catch?
There is no catch. Zero is free to use.
We believe in Radical Transparency. Unlike many "nonprofits" in the debt industry that hide their true motives, we are an open book. We are a for-profit business, and we make money only when you decide to sign up with one of our vetted partners to take a specific step—like lowering your credit card interest rates or rebuilding your credit score.
This business model allows us to keep our education and counseling services completely free for everyone, without relying on donations.
Who is Ben Jackson?
Ben is the founder of Talk About Debt, but 8 years ago, he was exactly where you might be.
After a small business failure, Ben was drowning in $60,000 of credit card debt. He was driving for Uber and Lyft 60 hours a week and relying on food stamps just to survive.
He eventually used bankruptcy as a tool to restart his life. Since then, he has become a homeowner, a husband, and a lawyer dedicated to helping others get the same fresh start. He built Talk About Debt to ensure no one has to navigate that journey alone.
Can you actually get me out of debt?
We give you the map, but you drive the car.
Zero can explain your options clearly—whether that's bankruptcy, debt settlement, or credit counseling. These are often complex legal/financial tools that are usually only available to the rich. We break them down into simple language so you can make the best decision for your family.
We provide the education, the tools, and the connections to trusted partners who can do the heavy lifting, but the first step starts with you saying "Hello."