Take Control of Your Debt— Without Exorbitant Fees

  • Settle Debt on Your Terms
    Get the tools to negotiate directly with creditors without trusting an unknown third-party settlement company.
  • Get Your Debts Imported Automatically
    We pull your accounts with a soft credit check so you can track balances, types, and lawsuit risk.
  • Save Thousands in Settlement Company Fees
    Use the same tools professionals rely on without paying 15–25% of your enrolled debt in fees. You stay in control and keep more of your savings.
  • Work with a Transparent, User-First Platform
    We’re upfront about everything — no surprise charges, no misleading promises, and no pressure to commit.

    See below for more details

How It Works

01

Get Clarity (Soft Credit Check)

We securely pull your credit report with no impact to your score, so you can see all your debts, balances, account types, and potential lawsuit risks in one place.

02

Stop Collection Calls

Use our pre-written cease and desist templates to request that collectors stop contacting you while you explore your options — putting you back in control.

03

Choose Your Path

Want to do it yourself? Need a little help? Or prefer full support? Choose the level of guidance that fits your situation, all our tools are here to support your decision.

04

Track Progress & Settle Accounts

Send offers, log replies, and track every step of your settlement journey all from a simple, centralized dashboard.

Plan Comparison

We know everyone approaches debt differently. Whether you want to handle negotiations yourself, need a little guidance, or prefer to let professionals take the lead, there's a plan designed to meet you where you are.

Each plan gives you access to tools, templates, and strategies built by experts who understand the debt settlement process — so you can move forward with clarity, confidence, and control.

DIY

Perfect for self-starters who want to settle their own debts using powerful tools, customizable templates, and progress trackers — all completely free to use.

  • Credit Overview
  • Prewritten Templates
  • Lawsuit Negotiations
  • Optimized % Discounts
  • Smart Offer Suggestions
  • Auto-Generated Letters
  • Dedicated Support
  • Negotiation Handling
  • Payment Operations

TBD!

Guided Assist

Ideal for those who want to stay in control while getting personalized suggestions, expert-built templates, and automated reminders to make debt settlement easier.

  • Credit Overview
  • Prewritten Templates
  • Lawsuit Negotiations
  • Optimized % Discounts
  • Smart Offer Suggestions
  • Auto-Generated Letters
  • Dedicated Support
  • Negotiation Handling
  • Payment Operations

TBD!

Full Service

Designed for individuals who prefer a licensed team to manage negotiations and creditor communication — with no upfront fees in states where available.

  • Credit Overview
  • Prewritten Templates
  • Lawsuit Negotiations
  • Optimized % Discounts
  • Smart Offer Suggestions
  • Auto-Send Letters
  • Dedicated Support
  • Negotiation Handling
  • Payment Operations

TBD!