Regain Control of
Your Financial Life

KOJO is a financial wellness app built exclusively for debtors—helping
you manage, communicate, and repay debt with confidence.

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⭐Trusted by 1000s+ of Americans

All-In-One Financial Control

Designed to help you stay on track, effortlessly.

Manage Payments

Negotiate flexible payment plans, set reminders, or make secure payments instantly—ensuring you stay comfortably on track.

View Your Finances

Understand your credit score, check recent reports, and gain a clear picture of your overall financial situation easily.

Chat With Agencies

Communicate safely with collection agencies, negotiate repayment options, or ask questions—all inside one organized space.

Take a Look Inside

simple, beautiful interface built for everyday use.

Join thousands of users who rely on Kojo to track debts, chat with agencies, and manage payments confidently.

Your Guided Path to
Recovery

Everything you need to know before getting started

Connect — Link all your accounts and view your debts + credit score

Communicate — Secure chat with agencies

Control — Negotiate and set payment plans

Conquer — Track your progress and improve your financial wellness

Ready to take control of your debt?

Kojo helps you understand your debt, stay consistent with payments, and make real progress — one step at a time.With Kojo, you're never alone on your journey to financial recovery.

Start Your Recovery – It’s Free

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Email Support

support@kaizen-payments.com

KOJO

Regain Control of Your Financial Life