How Settle works.
You stay in control.
The platform prepares, certifies, and tracks; you authorize every request, decide on every offer, and release escrowed funds to your creditor. Every offer is stamped by Settle — so creditors trust it, and you stay in control.
Review. Request. Settle.
The platform prepares and tracks. You authorize, decide, and pay — at the pace that works for you.
Review
See every unsecured account in one place — balances, status, statute-of-limitations timing, and which accounts are even worth a settlement request.
Request
Generate a settlement request and send it yourself — by the creditor's direct API, email, or letter. You authorize every message; nothing goes out without you.
Settle
Compare any offers that come back and decide. If you accept, escrow releases the funds to your creditor on the schedule you set — backed by a Settle-certified offer they can trust.
Every step has a clear, focused screen
Built so you always know exactly what's yours to do next.
Your whole picture, in one place
Stop logging into five creditor portals to piece together what you owe. Every balance, deadline, and next step lives on one calm screen — so you always know exactly where you stand.
- All your unsecured accounts and balances in a single view
- Progress toward each settlement, tracked automatically
- Plain-language nudges for the one thing to do next
Every account, clearly laid out
See each account's status and whether it's even a realistic candidate to settle — then prepare a request in a few taps, without guessing what to say or who to send it to.
- Status, balance, and creditor type for every account
- Statute-of-limitations timing, so you never restart the clock
- One-tap settlement-request drafts you review before anything sends
You decide — then pay your way
When a creditor responds, the offer lands in front of you — amount, terms, and expiry, laid out plainly. Accept, counter, or reject; the decision is always yours. Then pay however you settled on.
- Accept, counter, or reject — Settle never decides for you
- Pay in a lump sum or in installments, exactly as agreed
- Escrow holds the funds and releases them to your creditor when you approve
The same steps, a fuller view.
Prefer a big screen? The web app opens into a complete command center — a projected payoff curve, an account-by-account priority order, and everything that needs your attention today.
Ready to take it on yourself?
Take control of your debt. Settle is with you at every step — but every decision stays yours.