You don’t have to be drowning to start. Settle helps you prepare credit accounts for settlement — and launches offers the moment an account is ready. Whatever shape your debt is in, we meet it where it is, and stay with you every step of the way.
Some accounts are ready to settle today. Others need a little runway first. Settle handles both — preparing accounts for settlement, launching offers the moment they’re ready, and staying with you every step after.
Delinquent, charged off, or in collections? Settle starts a settlement offer right away — you review the terms and decide, then escrow releases the funds to your creditor.
Whether an account just needs runway, or you’re current and simply want out from under the burden, Settle gives you the resources to navigate it — know your rights, protect your income, build a fund, and prepare each account for the right moment.
Once an account settles, we keep going with you — rebuilding your credit and building toward real financial health, not just zero.
Settlement companies charge a premium to do the exact same thing you can do yourself. Doing it with Settle gives you more than just savings on fees.
Settlement companies typically charge 15–25% of your enrolled debt. Settle is free if you run it yourself, or a flat $49.95/month for Settle to run the steps for you, on your approval. You keep the rest.
You don’t hand your full financial life — or your Social Security number — to a settlement company’s sales floor just to get started.
Handle it quietly, from your phone, on your own time — no explaining your situation out loud to a stranger working a quota.
No power of attorney, no agent acting for you. You authorize every request and make every accept, counter, or reject yourself.
Your funds are secured in escrow and released to your creditor when you approve — never pooled, never a cut. Every offer is certified and stamped by Settle, so a creditor knows it’s real.
Every request, offer, and payment is logged immutably — so if a creditor disputes what was agreed, you have the receipts.
Sign up in minutes. Self-service is free — no card required to start.
Add or import your unsecured debts. Settle shows each account’s status and flags realistic settlement candidates.
Generate a settlement request and send it yourself for free — or go full-service ($49.95/mo) and we’ll submit it for you.
Review any offer, accept/counter/reject, then approve the payout — escrow releases the funds to your creditor, in full or over time, yourself or automatically by ACH.
Settling a debt can have tax and credit consequences — consider talking to a professional about your situation. Then, when you’re ready, Settle is with you at every step.
