Take control of your debt.
And everything after.
Settle isn't a one-time fix — it's the platform that stays with you the whole way. Stage what you owe, settle it on your own terms, rebuild your credit, and build toward real wealth. Every decision stays yours.
Most journeys stop at the settlement.
Yours shouldn't.
The debt-settlement industry sells a one-time transaction — clear a balance, take a cut, move on. But getting out of debt is a beginning, not an ending. Settle is built for the whole arc: the day you face what you owe, and every day after that on the way to financial health.
Four stages. One platform, the whole way.
From getting your footing to settling into real security on the other side — Settle prepares and tracks each stage, and you make every call.
Get your footing
You don't have to be behind to start. See every account in one calm view, learn your rights, protect your income, and start a fund — so you're steady before you make a move.
- Every account & balance in one calm view
- Know your rights & statute-of-limitations timing
- Start a fund toward a credible first offer
Make the deal
Generate and send consumer-authorized settlement requests yourself. When offers come back, accept, counter, or reject — then escrow pays your creditor on your say-so.
- You authorize every message
- Pay in a lump sum or over time
- Funds wait in escrow, released on your say-so
Recover & climb
Settling is only the turning point. Track your score and the events that move it, with plain-language steps for what to do next as your file heals.
- Score & key credit events, tracked
- Compare credit-builder offers side by side
- Next-step nudges as accounts clear
Grow what's yours
Debt-free is a launchpad. Set goals, build an emergency cushion, and grow toward real financial health — with the same control and transparency, never a sales floor.
- Set and track financial goals
- Build savings & an emergency cushion
- Guidance for you — never decisions for you
The same power they sell you — put back in your hands.
The debt-settlement industry built a business doing something you're allowed to do yourself, and took a cut for it. Settle keeps you in charge at every stage of the journey.
You stay in control
No power of attorney, no agent acting for you. You authorize every request and make every accept, counter, or reject yourself.
Offers creditors can trust
Your funds sit in a secure escrow, and every offer is certified, stamped, and minted by Settle — so a creditor knows it's real and will be paid. Trust and reliance is the foundation.
Flat price — never a cut
The industry takes 15–25% of your enrolled debt. Settle is free to do yourself, or a flat $19.95/month to automate — and we never take a cut of your debt or your settlement. If we're on anyone's side, it's yours.
A record you own
Every request, offer, and payment is logged immutably. If a creditor disputes what was agreed, you have the receipts.
Know your timing
Settle surfaces statute-of-limitations dates so you understand your rights and never accidentally restart the clock on an old debt.
Guidance, not pressure
An optional coach helps you understand offers and draft requests — advice for you to use. It never contacts a creditor or decides for you.
Settling your own debt has been your right all along. Nobody built the tools — until now.
For decades you were allowed to settle your own debt — but no one made it doable. The settlement industry grew tired and conflicted, taking 15–25% to act as your agent, while regulators stacked rule after rule — the FDCPA, the FCRA, the FTC's ban on advance fees — to rein it in.
Through all of it, the one person the system was built to serve was left to navigate it alone. So we built the thing that should have existed years ago: a platform that puts the whole playbook in your hands.
We're the copilot — you're always the pilot. We never take a cut of your debt or your settlement. If we're on anyone's side, it's yours — because we wrote this for you.
Every step has a clear, focused screen
Built so you always know exactly what's yours to do next — at every stage of the journey, not just the settlement.
Every account, clearly laid out
See each account's status and whether it's even a realistic candidate to settle — then prepare a request in a few taps, without guessing what to say or who to send it to.
- Status, balance, and creditor type for every account
- Statute-of-limitations timing, so you never restart the clock
- One-tap settlement drafts you review before anything sends
You decide — then pay your way
When a creditor responds, the offer lands in front of you — amount, terms, and expiry, laid out plainly. Accept, counter, or reject; the decision is always yours.
- Accept, counter, or reject — Settle never decides for you
- Pay in a lump sum or in installments, exactly as agreed
- Funds wait in escrow and release to your creditor the moment you approve
Watch your credit climb back
The journey doesn't end when a debt clears. Settle tracks your score and the key events behind it, with plain-language steps for what to do next as your file recovers.
- Score trend and the events that move it
- Credit-builder offers compared side by side
- Goals that carry you toward wealth, not just zero
A focused app in your pocket. A full command center on the web.
The same journey, wherever you work best. On desktop, Settle opens into a complete command center — your debt-free projection, your whole plan, and what needs your attention today, so if a creditor ever escalates, you're never blindsided.
Settle has your back long after the deal.
Getting out of debt takes more than one good offer. Settle stays beside you to defend your rights, watch your file, and rebuild — all from the same place.
Defend your rights
Understand and exercise your protections under the FDCPA and FCRA — validation, dispute, and cease-contact letters, statute-of-limitations tracking, and a log of collector behavior.
Open the rights center →Monitor your file
A watchtower for your credit and identity — real-time alerts on new inquiries, accounts, and address changes, plus dark-web scanning so nothing moves without you knowing.
See what's watched →Rebuild & grow
As your score climbs, Settle surfaces credit-builder cards, refinances, and offers matched to where you actually are — so the road past debt-free is mapped, not guessed.
Browse the marketplace →For anyone taking back control of their financial life.
You don't have to be drowning — or even behind — to start. Settle gives you the resources to navigate it: prepare accounts for settlement, launch offers the moment they're ready, and stay beside you every step.
Accounts ready to settle
Delinquent, charged off, or in collections — Settle starts a settlement offer right away, and you decide the terms.
Not behind? Get ahead of it
Current, but want out from under the burden? Settle helps you know your rights, build a fund, and prepare each account for the right moment.
Any unsecured debt
Credit cards, store cards, personal or signature loans, medical bills, or accounts already with a collection agency.
Every step, with you
From your first offer to rebuilding your credit and building real wealth, you're in control — but never doing it alone.
Settles well
- ✓Credit cards and store cards
- ✓Personal & signature loans
- ✓Medical debt
- ✓Accounts charged off or in collections
Out of scope
- —Secured debt (mortgages, auto loans)
- —Federal student loans
- —Current accounts a creditor won't settle
- —Anyone wanting a company to decide for them
One flat price. Or free to do it yourself.
No percentage of your debt, no contract. The whole journey, one honest price.
Self-service
Do it yourself — never by yourself. Free, with everything you need to stage, request, and settle.
- Add accounts & see your whole picture
- Draft & send your own requests
- Credit tracking & rights center
Automate it
We submit and run it for you — flat, never a cut of your debt. Cancel anytime.
- Everything in self-service
- We submit requests on your authorization
- Automatic ACH payments — you keep custody of funds
Settle up. Then settle in.
From settling your debts to settling into real security, Settle is with you the whole way — the first balance you face, and the cushion you build after. But every decision stays yours.