Balance too low, wrong state, doesn't qualify for your program — today those leads get written off or resold for pennies. Send them to Settle instead. They become recurring revenue you share in, and a client you can step back in to serve as their guaranteed concierge.
Balance below your program minimum, an unlicensed state, a consumer who doesn't qualify — push them to Settle by API, upload, or a referral link. No volume commitment.
Free self-service, our $49.95/mo full-service plan, or concierge — where you step back in. Every path is a way the lead gets monetized, and you share in all of them.
You share in the revenue that lead generates, tracked to the account and paid on a recurring basis. Watch it accrue in your partner dashboard, no invoicing on your side.
However the consumer chooses to resolve their debt, there's a win in it for you — whether Settle services the lead or you step back in yourself.
When the consumer self-services or takes our $49.95/mo full-service plan, Settle does all the work across every creditor. You share in the revenue we collect — recurring, tracked per account, with no servicing effort on your side.
If the consumer decides they want a person to steer the process, you are the guaranteed provider — first right of refusal on every referral you send. Negotiate your own success fee directly with them, and keep a client you couldn't serve before.
In concierge you run the case on Settle's white-label platform with no separate platform or portal fee — your client's standard $49.95/mo plan covers your white-label access, so you forfeit the referral rev-share on that customer — Settle keeps the $49.95 and you keep your full concierge success fee. Plus the tools — surface penalty money from negligent creditors and push consumer-bureau updates.
How can you serve a lead you couldn't service before? In concierge you run it on Settle's platform at no platform cost — every creditor reachable from one queue does the work your old program couldn't, while you keep the client and your fee.
Settle does the servicing and carries the platform, the compliance, and the support. You did the work to acquire the lead — so you share in the revenue it earns, on accounts that were worth nothing to your book a moment ago.
No "where's my money" emails. See each lead you sent, the path the consumer took, and your share building in real time.
Consumer funds stay in a licensed trust custodian. You refer and share — you never hold a balance, so referring doesn't widen your regulatory footprint.
On concierge cases your success fee is only earned after a settlement clears — the protocol enforces it, the same way it does for our direct DR partners.
A referred consumer's finances are never disclosed back to you. Your dashboard shows the referral and your share — nothing about their income or budget.
Book a 20-minute partnership call. We'll size your overflow, set your share and escalator, and get a referral link or API key live the same week. Or send a sample batch and we'll show you what it would have earned.