One flat price. Or free to do it yourself.
No percentage of your debt. No contract. No “settlement fund” we hold. The whole journey — stage, settle, rebuild — for one honest price you can cancel anytime.
Self-service
Do it yourself — never by yourself. Free, with everything you need to stage, request, and settle your own debt.
- Add accounts & see your whole picture
- Draft & send your own settlement requests
- Statute-of-limitations & rights center
- Credit tracking as your file recovers
Automate it
You're the pilot — we're the copilot. We submit and run it on your authorization, and never take a cut of your debt or your settlement. Cancel anytime.
- Everything in self-service
- We submit requests on your authorization
- Automatic payments released from escrow on your authorization
- Reminders before every payment posts
Settle works great on its own under $30k of enrolled debt. Past that, most people appreciate a hand — talk to us about Concierge.
What the industry charges — and what we don't.
Settlement companies built a business doing something you're allowed to do yourself, and taking a cut for it. Here's the difference, line by line.
| How it works | Traditional settlement company | Settle |
|---|---|---|
| What it costs | 15–25% of your enrolled debt | Free, or a flat $19.95/mo |
| Who holds your money | A pooled “settlement fund” they control | A dedicated escrow — released only when you approve |
| Who decides on offers | Their negotiators, on your behalf | You — accept, counter, or reject |
| Power of attorney | Usually required | Never |
| Your data | Handed to a sales floor to enroll | Stays yours; no SSN to start |
| Record of what was agreed | Theirs | Yours — logged immutably |
| After you're debt-free | Relationship ends | Credit rebuild, monitoring & more |
Straightforward, like the price.
Do you ever take a percentage of my debt or my savings?
Where does my settlement money go?
Can I cancel?
Is the free plan really free?
Get started for free.
Stage your debt, draft your first request, and see what's realistic — without paying a cent or handing anyone control.