Pricing

One flat price. Or free to do it yourself.

No percentage of your debt. No contract. No “settlement fund” we hold. The whole journey — stage, settle, rebuild — for one honest price you can cancel anytime.

Self-service

$0/ forever

Do it yourself — never by yourself. Free, with everything you need to stage, request, and settle your own debt.

Add accounts & see your whole picture

Draft & send your own settlement requests

Statute-of-limitations & rights center

Credit tracking as your file recovers

Get started free →

Full-service

Automate it

$49.95/ month

You make the calls. With Automation, we take the steps for you, sending the offers and payments you approve, and never take a cut of your debt or your settlement. Cancel anytime.

Everything in self-service

We submit requests on your authorization

Automatic payments released from escrow on your authorization

Reminders before every payment posts

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Self-service or full-service, Settle is built to carry you the whole way at any debt level. Right in the app, you choose how much guidance and assistance you want — and you can change it anytime. And if you ever want professional help, Concierge connects you with vetted, licensed agencies for full service. Learn more in the app and elect it whenever it suits you. Settle never charges a fee or takes a cut for Concierge.

The honest comparison

What the industry charges — and what we don’t.

Settlement companies built a business doing something you’re allowed to do yourself, and taking a cut for it. Here’s the difference, line by line.

How it works	Traditional settlement company	Settle
What it costs	15–25% of your enrolled debt	Free, or a flat $49.95/mo
Who holds your money	A pooled “settlement fund” they control	A dedicated escrow — released only when you approve
Who decides on offers	Their negotiators, on your behalf	You — accept, counter, or reject
Power of attorney	Usually required	Never
Your data	Handed to a sales floor to enroll	Stays yours; no SSN to start
Record of what was agreed	Theirs	Yours — logged immutably
After you’re debt-free	Relationship ends	Credit rebuild, monitoring & more

Common questions

Straightforward, like the price.

See the full FAQ →

Do you ever take a percentage of my debt or my savings?

No. Self-service is free and full-service is a flat $49.95/month. We never take a cut of your enrolled debt or the amount you save by settling.

Where does my settlement money go?

Into a secure, dedicated escrow that stays yours — then the moment you approve a settlement, it’s released straight to your creditor. Because the funds are escrowed and the offer is certified by Settle, the creditor can trust it will be paid. It’s never a pooled fund, and nothing moves without your authorization.

Can I cancel?

Anytime. Full-service is month-to-month with no contract. Drop back to free self-service or close your account whenever you like.

Is the free plan really free?

Yes — no card required to start. You can stage your debt, draft and send your own requests, decide on offers, and settle straight from escrow, all on the free plan.

No card required to start

Get started for free.

Stage your debt, draft your first request, and see what’s realistic — without paying a cent or handing anyone control.

Get early access →See how it works →