The same power they sell you — put back in your hands.
Take control of your unsecured debt — privately, on your terms, and without paying a settlement company a cut. We’re the copilot; you’re always the pilot. Built for you, and only you.
Settling your own debt has been your right all along. Nobody built the tools — until now.
For decades you were allowed to settle your own debt — but no one made it doable. The settlement industry grew tired and conflicted, taking 15–25% to act as your agent, while regulators stacked rule after rule — the FDCPA, the FCRA, the FTC’s ban on advance fees — to rein it in.
Through all of it, the one person the system was built to serve was left to navigate it alone. So we built the thing that should have existed years ago: a platform that puts the whole playbook in your hands.
We never take a cut of your debt or your settlement. If we’re on anyone’s side, it’s yours — because we wrote this for you.
Consumer-directed by design.
Settle helps people escape endless debt servicing and build a stronger financial future, with a platform that adapts automatically to their changing profile.
Consumer-directed by design
People control their decisions. Software makes the process easier, and optional automation requires permission.
Beyond debt
The dashboard changes automatically as each person’s debt and credit profile evolves, surfacing more relevant next steps.
Never a cut
Self-service is free, and full-service is a flat $49.95/month. We never take a percentage of your debt or your savings.
Settle is a software platform, not a service that acts for you.
We help you review, request, and settle your own unsecured debts, and track your credit as you recover. You authorize and send every communication, and you make every decision.
Talk to a human. Anytime.
We’re a small team building something that should have existed years ago. Real questions get real answers — usually within a day.