COLLECTIVE DEBT RELIEF SYSTEM
AI-DEMOCRATIZED FINANCIAL COOPERATIVE: We organize members into collective bargaining power, purchase debt at wholesale prices, and provide fair financial services to advance economic justice.
The Process in 4 Simple Steps
Members Join Together
Individuals become members of our cooperative, pooling their collective bargaining power. Membership is free for those below 200% of the poverty line, with sliding scale options for others.
We Purchase Debt Portfolios
Using our collective funds, we buy debt portfolios from creditors at the same 3-5 cents on the dollar that debt collectors pay. This gives us control over billions in member debt.
Debt Gets Forgiven
We immediately forgive the majority of purchased debt, freeing members from predatory collections. Members see average debt relief of $5,000-10,000 per person.
Build Fair Services
As we grow, we create member-owned financial services including fair lending, banking, and insurance products that serve people instead of extracting from them.
Our Business Model: Solidarity Economics
The People's Conglomerate operates on a revolutionary hybrid model that ensures everyone can participate regardless of their financial situation:
Membership Structure
Liberation Members (60%)
For anyone below 200% of the Federal Poverty Level
- Full voting rights
- Equal access to debt relief
- Community support
Solidarity Members (25%)
Sliding scale for 200-400% of poverty level
- Support the movement
- Enable free memberships
- Build collective power
Champion Members (10%)
For those who can afford to contribute more
- Maximum impact
- Leadership opportunities
- Legacy building
Institutional (5%)
Foundations, corporations, major donors
- Social impact investment
- CSR partnerships
- Systemic change
Revenue Streams
Membership Contributions
Sliding scale fees from those who can afford to pay support free memberships for those who cannot.
Ethical Debt Management
Small recovery fees on purchased debt (5-10%) while forgiving the majority, creating sustainable operations.
Fair Financial Services
Member-owned banking, lending, and insurance products with transparent, fair pricing.
Grants & Partnerships
Foundation support, government programs, and corporate social responsibility partnerships.
Financial Projections & Impact
| Metric | Year 1 | Year 3 | Year 5 |
|---|---|---|---|
| Total Members | 10,000 | 500,000 | 2,000,000 |
| Free Members | 8,000 | 350,000 | 1,400,000 |
| Revenue | $1.5M | $35M | $120M |
| Debt Relieved | $50M | $2.5B | $10B |
| Status | Grant-funded | Sustainable | Transformative |
The Multiplier Effect
Cost per dollar of debt purchased
Debt relief multiplier effect
Average relief per member
ROI for member contributions
Why This Works
Collective Bargaining Power
Individual debtors have zero leverage. But when millions organize together, we can negotiate on equal terms with the largest creditors in the world.
Market Inefficiency
Debt collectors already buy debt for pennies on the dollar. We use the same market mechanics but forgive debt instead of pursuing aggressive collection.
Network Effects
Each new member increases our collective power, creating a virtuous cycle where growth directly translates to greater impact for all members.
Aligned Incentives
As a member-owned cooperative, our only goal is member benefit. No shareholders demanding profits means every dollar goes toward debt relief and fair services.
Ready to Transform Your Debt?
Join thousands of Americans taking control of their financial future through collective action.