The platform prepares, certifies, and tracks; you authorize every request, decide on every offer, and release escrowed funds to your creditor. Every offer is stamped by Settle — so creditors trust it, and you stay in control.
The platform prepares and tracks. You authorize, decide, and pay — at the pace that works for you.
See every unsecured account in one place — balances, status, statute-of-limitations timing, and which accounts are even worth a settlement request.
Settle surfaces statute-of-limitations dates so you never accidentally restart the clock on an old debt.
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.
Compare any offers that come back and decide. If you accept, escrow releases the funds to your creditor on the schedule you set — backed by a Settle-certified offer they can trust.
Every request, offer, and payment is logged immutably — so if a creditor disputes what was agreed, you have the receipts.
We take the steps. You give the go-ahead.
We review your accounts and find opportunities.
We submit each offer once you approve it.
We monitor creditor replies and lay out every offer. You decide.
You review and sign settlement agreements.
We monitor payments and update your dashboard.
Built so you always know exactly what’s yours to do next.
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.
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.
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. Then pay however you settled on.
Prefer a big screen? The web app opens into a complete command center — a projected payoff curve, an account-by-account priority order, and everything that needs your attention today.
Take control of your debt. Settle is with you at every step — but every decision stays yours.
