Do it yourself free, or let us run it for $19.95.
Self-service is free — you move the levers. Full-service automates the legwork by ACH while you stay the driver. A flat price either way — never a percentage of your debt or savings.
Self-service
You move the levers.
Free
Everything you need to settle your debts yourself. Prepare and send each settlement request, and when you reach a deal, pay your creditor directly from your own bank. You make every move — at no cost.
- ✓ All settlement-request & rights letters (validation, dispute, cease-contact)
- ✓ Account, offer & document tracking
- ✓ Statute-of-limitations timing
- ✓ You send requests and pay creditors yourself, from your own bank
Full-service
We move the levers — you stay the driver.
$19.95/mo
The same process, automated. You authorize and decide everything; we do the legwork — submitting your approved requests and running your approved payments by ACH, straight from your bank to your creditor. Settle never holds your money.
- ✓ Everything in Self-service
- ✓ We submit your authorized requests for you
- ✓ Automated payments by ACH — your bank → your creditor, each one you approve
- ✓ Offers returned and tracked automatically
In both, you authorize every request and decide every offer — you're always the driver. Full-service just runs the steps for you. Payments always move from your own bank to your creditor; Settle never negotiates for you and never holds your funds.
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.
Get started