Simple, Transparent Pricing
No upfront fees. You only pay when we successfully settle your debt.
Our Fee
25%
of what we save you
Not a percentage of your total debt — only a percentage of the money we actually put back in your pocket.
Why Our Fee Model Matters
Industry Standard
15-25%
of your total enrolled debt
- Fee is the same regardless of settlement quality
- No incentive to negotiate harder
- Often includes additional monthly fees
The Resettle Group
25%
of the amount we save you
- We earn more only when you save more
- Every dollar matters — for both of us
- Our incentives are aligned with yours
See the Difference: $50,000 in Debt
Here’s what happens when you settle $50,000 across 5 accounts at 45% off — the same outcome, but dramatically different fees.
Typical Company (20% of total enrolled debt)
You owed
$50,000
Their fee
$10,000
Your actual savings
$12,500
The Resettle Group (25% of what we save you)
You owed
$50,000
Our fee
$5,625
Your actual savings
$16,875
You keep an extra
$4,375
in your pocket with our fee model
More Scenarios
$15,000
3 accounts, 45% off
Typical Fee
$3,000
Our Fee
$1,688
You Save
$1,313
$30,000
5 accounts, 40% off
Typical Fee
$6,000
Our Fee
$3,000
You Save
$3,000
$75,000
8 accounts, 50% off
Typical Fee
$15,000
Our Fee
$9,375
You Save
$5,625
$100,000
10 accounts, 45% off
Typical Fee
$20,000
Our Fee
$11,250
You Save
$8,750
*Typical company fee calculated at 20% of total enrolled debt. Our fee calculated at 25% of amount saved. Actual results vary.
| Your Debt | Typical Fee | Our Fee | You Save Extra |
|---|---|---|---|
| $15,000 3 accounts, 45% off | $3,000 | $1,688 | $1,313 |
| $30,000 5 accounts, 40% off | $6,000 | $3,000 | $3,000 |
| $75,000 8 accounts, 50% off | $15,000 | $9,375 | $5,625 |
| $100,000 10 accounts, 45% off | $20,000 | $11,250 | $8,750 |
*Typical company fee calculated at 20% of total enrolled debt. Our fee calculated at 25% of what we save you. Actual results vary by creditor and account.
How Payment Works
Enroll for Free
Sign up at no cost. We’ll review your debts and build a personalized plan. No fees, no obligation.
We Negotiate
You make monthly deposits into your own FDIC-insured savings account. We negotiate with creditors to reduce what you owe.
You Approve & Save
You review and approve every settlement before it’s finalized. Our fee is deducted only after each successful settlement.
Your Timeline to Debt-Free
Most clients complete their program in 24–48 months, depending on the amount of debt enrolled and monthly deposit amount.
Months 1–3
Free consultation. We review your debts, build your plan, and you begin making monthly deposits into your dedicated account.
Months 4–12
As your account balance grows, we start negotiating with creditors. First settlements typically arrive within 4–6 months.
Months 12–36
Settlements continue rolling in. You approve each one, and watch your total debt balance shrink. Most accounts resolve in this window.
24–48 Months
Program complete. All enrolled debts are resolved and you’re debt-free. Average clients save 30–50% of their enrolled debt.
Dedicated Account Service Fees
Your program deposits are held in a dedicated, FDIC-insured escrow account administered by an independent third-party payment processor. The following service fees are charged by the account administrator and are separate from our settlement fees:
Recurring Fees
- Monthly service fee$10.95/mo
- Annual account fee$20.00/yr
Settlement Disbursement Fees
- Standard (ACH, check, phone)$10.00
- Wire transfer$25.00
Other Charges (if applicable)
- NSF / Returned item$10.00
- NSF (Revoked payment)$18.50
- Stop payment$25.00
- Incoming wire$25.00
Refund Fees
- Standard refund (ACH)$0.00
- Refund via check (USPS)$5.00
- Refund via UPS Overnight$30.00
Pricing Questions
What if a creditor won’t settle?
When exactly do I pay?
Can I cancel if I change my mind?
Is my savings account safe?
See What You Could Save
Try our savings calculator or talk to a specialist for a free, personalized estimate.
*All savings estimates are illustrative. Actual results depend on your specific debts, creditors, and program participation. See our Terms of Service for full details.