How Settle works
You stay in control at every step. The platform prepares and tracks; you authorize every request, decide on every offer, and pay your creditor directly.
Three steps, all yours
The platform prepares and tracks. You authorize, decide, and pay.
Review
See every unsecured account in one place — balances, status, statute-of-limitations timing, and which accounts are even worth a settlement request.
Request
Generate a settlement request and send it yourself — by the creditor's direct API, email, or letter. You authorize every message; nothing goes out without you.
Settle
Compare any offers that come back and decide. If you accept, set up a payment schedule that pays your creditor directly from your own account.
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
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