Frequently asked questions
Questions, answered straight
Does Settle negotiate with my creditors for me?
No. Settle is a set of tools. You authorize and send every request, and you make every accept/counter/reject decision yourself. Settle never speaks to a creditor on your behalf.
Does Settle hold my money?
Never. Payments move directly from your own account to your creditor over a licensed payment rail. Settle has no balance, escrow, or payout account.
How is pricing structured?
Settle is free to use yourself — you get every tool to prepare and send requests, and you pay your creditors directly from your own bank. Prefer it handled? For a flat $19.95/month we move the levers: we submit your approved requests and run your approved payments by ACH, straight from your bank to the creditor. Either way you authorize and decide everything, and Settle never holds your money or charges a percentage of your debt.
Is Settle available in my state?
Availability varies by state, and we only open a market once it has been reviewed. Check the app for current availability.
Ready to take it on yourself?
Get the tools. Keep the control. Settle is with you at every step — but every decision stays yours.
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