Your charged-off paper is liquidating somewhere — usually for pennies on a forward-flow tape, or through an agency that keeps a third of what it collects. Settle routes consumers who've already funded a settlement straight to you: real net-back, zero cost-to-collect, no outbound-contact risk. You set the floor; the matrix does the rest.
You keep cents on the dollar at your own floor, after near-zero cost-to-collect — not the ~5¢ a forward-flow sale brings, or what's left once an agency keeps 25–40% of recovery.
No dialer, no letter stream, no placement fee, no commission split. The consumer arrives funded — you just book the recovery.
Every settlement is consumer-initiated, e-signed, and logged append-only. No outbound contact means none of the Reg F / TCPA exposure.
Funds are attested before the offer reaches you. No broken promises-to-pay, no NSF, no re-aging the same account three times.
Paper that's hemorrhaging value — charged off, headed for a pennies-on-the-dollar sale — becomes real recovery instead. Keep the debt and settle it, rather than writing it down to nothing.
Every settlement carries a signed attestation and an append-only trail. Documentation and chain-of-title are produced for you — not reconstructed at audit.
Every account arrives funded and matched. Here's exactly what your team — or your matrix — sees.
We conform to your stack — not the other way around. Start passive, and as we prove it out, go deeper at your pace.
Fax & scrub. We parse your letters and pre-answer your monthly scrub. You do nothing.
Log in and work a queue against the matrix you seeded — when you want eyes on it.
Real-time webhook decisioning against your own backend — your stack stays the source of truth.
The evaluator embedded natively — for the largest debt buyers who want it inside their own product.
You move up the tiers only when you decide we've earned it. Trust first, then competency, then depth — never a prerequisite, always your call.
Your acceptance matrix is a simple set of bands — the minimum you'll take by account age, balance, and type. Encode it once. Any funded offer inside a band clears automatically; anything below routes to a human. You tune the rules and read the reports — you never work a queue.
Most of what a recovery desk "earns" is eaten by the cost of earning it — negotiators, managers, QA, errors, rework. Tiering and the matrix delete that cost: in-band offers clear themselves in seconds, so a higher share of every dollar settled actually reaches your books.
No negotiators dialing accounts — the matrix decides. One analyst tunes rules instead of a floor working a queue.
No layers of oversight and QA. Your encoded band is the policy, applied identically every time — nothing to review.
Every clear sits inside your floor — no off-policy concessions, no fat-finger settlements, no accidental re-aging.
Thousands of in-band offers clear instantly and identically — whether it's 10 accounts or 100,000, with no added headcount.
Lower cost-to-collect on the same gross settlement is higher net recovery. Automation doesn't just settle faster — it settles cheaper, so more of the dollar stays yours.
Settle never buys, sells, holds, or takes a position in your debt. We operate the rails — our only incentive is that a fair deal clears, and your control is absolute.
No buying, no selling, no holding. We're not a counterparty to your accounts — ever.
A higher or lower settlement doesn't change what we make. No incentive to push your floor either way.
Settle never holds a balance — money moves consumer → you. Every offer, verdict, and transfer is logged immutably for your examiners.
Book a 20-minute call. We'll run a sample of your portfolio through the matrix and show you the recoveries hiding in accounts you'd otherwise sell.