Defend your rights.
Understand and exercise your protections under the FDCPA and FCRA — validation, dispute, and cease-contact letters, statute-of-limitations tracking, and a log of collector behavior.
What rights do I have against collectors?
Under the FDCPA and FCRA you have protections — the right to request validation of a debt, to dispute inaccuracies, and to ask a collector to cease contact. Settle’s rights center helps you understand and exercise them, with validation, dispute, and cease-contact letters you can send, plus a log of collector behavior.
Validation letters
Request validation of a debt before you pay anything on it.
Dispute letters
Dispute inaccuracies on an account or your credit report.
Cease-contact letters
Ask a collector to stop contacting you.
Collector behavior log
Keep a dated record of every call, letter and message.
Never accidentally restart the clock.
The statute of limitations (SOL) is the window during which a creditor can sue you over a debt; it varies by state and debt type. Settle surfaces estimated SOL timing so you understand your rights — and so you never accidentally restart the clock (for example, by making a payment on a very old debt) without realizing it.
If a creditor disputes what was agreed, you have the receipts.
Every request, offer, and payment is logged immutably. Your record of requests, offers, and payments stays yours.
Know your rights. Keep the record.
Settling your own debt is something you’re legally allowed to do. Settle simply gives you the tools to do it yourself. Availability varies by state.