The American Dream Is For Everyone
We are on a mission to make financial freedom accessible to everyone - no matter where they start
Founded by Someone Who's Been There
Hi, I’m Ben Jackson. If you are feeling overwhelmed by debt right now, I want you to know that I understand exactly how you feel.
Eight years ago, I was drowning in $60,000 of credit card debt after a small business failure. I was working 60-hour weeks driving for Uber and Lyft, relying on food stamps, and still couldn't keep up with the interest payments. I felt isolated, ashamed, and stuck.
I eventually discovered that bankruptcy wasn't a failure—it was a tool. But accessing it was confusing and expensive. That experience changed my life. I went to law school and co-founded Upsolve, a non-profit that has since helped over 17,000 Americans erase more than $750 million in debt.
Now, I’ve built Talk About Debt to take that mission even further.
Our Mission
Wealthy people talk about money constantly. They discuss debt, leverage, and business openly. That openness is a key part of how they build and maintain their wealth.
For the rest of us, money is often a taboo subject wrapped in shame. We believe that needs to change.
We believe the American Dream belongs to everyone, not just the rich. Our goal is to provide the same level of education, strategy, and access to financial tools that the wealthy use, but make them available to you for free.
Radical Transparency: How We Operate
The debt relief industry is full of bad actors. Too often, we see "non-profits" that are actually for-profit businesses masquerading as charities to avoid taxes and trick you into thinking they are altruistic.
We refuse to play that game.
Talk About Debt is a for-profit business, and we are proud of that. Here is exactly how it works:
- Zero is Free: Our AI counseling and educational tools are 100% free for you to use.
- How We Make Money: We earn revenue when you decide to sign up with one of our vetted partners to take a specific step—like lowering your interest rates, repairing your credit, or settling debt.
- Our Promise: We only recommend partners we trust. We are honest about our business model because we believe you deserve to know exactly who you are dealing with.
Expertise Without Judgment
We built Zero, our AI financial counselor, because human experts are expensive and often intimidating.
Zero is trained on Ben’s real-world experience and legal expertise, but with one major difference: Zero literally cannot judge you.
Whether it’s 3 AM or 3 PM, Zero is here to answer your questions, explain your options, and help you find a path forward—privately, securely, and for free.