Settle your own debt,
on your terms.
Settle gives you the tools to review, request, and settle your unsecured debts yourself — without handing control, or your money, to anyone else.
Why Settle
A fairer way to settle your own debt
The debt-settlement industry built a business on doing something you're allowed to do yourself — and taking a cut for it. Settle hands you the same tools and keeps you in charge.
You stay in control
Traditional settlement companies act as your agent and decide for you. Settle never does — you authorize every message and make every accept, counter, or reject yourself.
You keep your money
No escrow, no platform account, no “settlement fund” we hold. Payments go straight from your bank to your creditor. We literally cannot touch your funds.
Flat price — never a cut of your debt
The settlement industry typically charges 15–25% of your enrolled debt. Settle is free to do it yourself, or a flat $19.95/month to automate. That’s the whole price.
A record you actually own
Every request you send, every offer you decide, and every 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 makes a decision for you.
A look inside
Every step has a clear, focused screen — built so you always know what's yours to do next.
Your dashboard
Your whole picture, in one place
Stop logging into five creditor portals to piece together what you owe. Every balance, deadline, and next step lives on one calm screen — so you always know exactly where you stand.
- ✓All your unsecured accounts and balances in a single view
- ✓Progress toward each settlement, tracked automatically
- ✓Plain-language nudges for the one thing to do next
Your debts
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 by accident
- ✓One-tap settlement-request drafts you review before anything sends
Your call
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. Once you and the creditor agree, pay however you settled on — all at once, or spread over time.
- ✓Accept, counter, or reject — Settle never decides for you
- ✓Pay in a lump sum or in installments, exactly as you and the creditor agreed
- ✓Turn on automatic payments and manage, pause, or cancel them from the app
- ✓Payments go straight from your account to your creditor — Settle never holds your money
And there's more to explore
Everything you need to do it yourself
Account review
Import or add your unsecured debts and see them clearly.
Request tools
Draft and send consumer-authorized settlement requests.
Offer comparison
Lay offers side by side — you accept, counter, or reject.
Payments & autopay
Pay in full or over time, from your own bank straight to your creditor. Do it yourself, or let us run it automatically by ACH — we never hold your funds.
Rights center
Validation, dispute, and cease-contact letters you can send.
Credit tracking
Watch your score and key events as you work through accounts.
Ready to take it on yourself?
Get the tools. Keep the control. Settle is with you at every step — but every decision stays yours.
Get started