For anyone taking back control of their financial life.
You don't have to be drowning to start. Settle helps you prepare credit accounts for settlement — and launches offers the moment an account is ready. Whatever shape your debt is in, we meet it where it is, and stay with you every step of the way.
Whatever shape your accounts are in, we meet them there.
Some accounts are ready to settle today. Others need a little runway first. Settle handles both — preparing accounts for settlement, launching offers the moment they're ready, and staying with you every step after.
Accounts ready now
Delinquent, charged off, or in collections? Settle starts a settlement offer right away — you review the terms and decide, then escrow releases the funds to your creditor.
Not there yet — or not behind at all
Whether an account just needs runway, or you're current and simply want out from under the burden, Settle gives you the resources to navigate it — know your rights, protect your income, build a fund, and prepare each account for the right moment.
Every step after
Once an account settles, we keep going with you — rebuilding your credit and building toward real financial health, not just zero.
Settle works on
- ✓Credit cards and store cards
- ✓Personal & signature loans
- ✓Medical debt
- ✓Accounts charged off or in collections
Out of scope
- —Secured debt (mortgages, auto loans)
- —Federal student loans
- —Tax debt, alimony & child support
- —Anyone wanting a company to take over and decide for them
If that's you, here's what you get.
Settlement companies charge a premium to do the exact same thing you can do yourself. Doing it with Settle gives you more than just savings on fees.
Keep your money
Settlement companies typically charge 15–25% of your enrolled debt. Settle is free to do yourself, or a flat $19.95/month to automate — you keep the rest.
Privacy
You don't hand your full financial life — or your Social Security number — to a settlement company's sales floor just to get started.
No embarrassing phone calls
Handle it quietly, from your phone, on your own time — no explaining your situation out loud to a stranger working a quota.
Full control
No power of attorney, no agent acting for you. You authorize every request and make every accept, counter, or reject yourself.
Offers creditors trust
Your funds are secured in escrow and released to your creditor when you approve — never pooled, never a cut. Every offer is certified and stamped by Settle, so a creditor knows it's real.
A record you own
Every request, offer, and payment is logged immutably — so if a creditor disputes what was agreed, you have the receipts.
From sign-up to your first request, here's the whole path.
Create your free account
Sign up in minutes. Self-service is free — no card required to start.
Add your accounts
Add or import your unsecured debts. Settle shows each account's status and flags realistic settlement candidates.
Prepare & send a request
Generate a settlement request and send it yourself for free — or go full-service ($19.95/mo) and we'll submit it for you.
Decide & pay your way
Review any offer, accept/counter/reject, then approve the payout — escrow releases the funds to your creditor, in full or over time, yourself or automatically by ACH.
Take control of your debt — and your future.
Settling a debt can have tax and credit consequences — consider talking to a professional about your situation. Then, when you're ready, Settle is with you at every step.