Zeroing is a debt management tool linking consumers with creditors to solve consumer debt problems by using installment payment plans. We can help clear up overdue accounts with one simple, easy tool. Zeroing was created by industry professionals that recognized that consumer communication has gone through an irreversible revolution. The nature of communications has changed. Consumers no longer want to be contacted by phone. Consumers don’t open the mail. Consumers prefer digital contact and communications. The message is clear. We need to incorporate digital communications into our strategies, which is precisely Zeroing – putting the consumer in the center in a friendly digital environment. No more harassing calls! No more letters and bills! We communicate through through posts, texts, announcements, and videos. We speak in the language of the consumer in whichever channel he/she selects. We give the consumer do-it-yourself tools to manage their financial affairs. Zeroing is a platform based on transparency and fairness.