SettleTrack Live

Take control of your debt — without paying a settlement company to do it for you. Debt settlement firms typically charge 15–25% of your enrolled debt as fees. SettleTrack gives you the tools to negotiate directly with creditors and collectors yourself, and keep that money in your pocket. ━━━━━━━━━━━━━━━━━━━━━━ WHAT SETTLETRACK DOES ━━━━━━━━━━━━━━━━━━━━━━ • Track every account — original creditor, current holder, negotiated balance, and payment progress • Log every call with collectors so you have a record of what was said and when • Store settlement letters and ACH payment authorizations — attach PDFs or images • Get reminded before ACH agreements expire so you never miss a payment cycle • Monitor upcoming payments across all accounts in one place • Export your data to CSV or JSON backup anytime ━━━━━━━━━━━━━━━━━━━━━━ KNOW YOUR RIGHTS ━━━━━━━━━━━━━━━━━━━━━━ The built-in FDCPA guide covers the Fair Debt Collection Practices Act — what collectors can and cannot legally do, how to communicate effectively, and what to do if a collector crosses the line. Educational information to help you negotiate from a position of knowledge. ━━━━━━━━━━━━━━━━━━━━━━ YOUR DATA STAYS PRIVATE ━━━━━━━━━━━━━━━━━━━━━━ Everything is stored locally on your device. No accounts, no cloud sync, no servers. Your financial situation is nobody else's business. ━━━━━━━━━━━━━━━━━━━━━━ DISCLAIMER ━━━━━━━━━━━━━━━━━━━━━━ SettleTrack is a personal organization tool. It is not a law firm, credit counseling service, or debt settlement company, and does not provide legal, financial, or credit advice. Information in the app — including the FDCPA guide — is educational only and does not constitute legal advice. Results from debt negotiation vary based on individual circumstances. Consult a licensed attorney or financial advisor for advice specific to your situation. ━━━━━━━━━━━━━━━━━━━━━━ KEYWORDS ━━━━━━━━━━━━━━━━━━━━━━ debt negotiation tracker · debt settlement organizer · credit card debt manager · collections tracker · FDCPA · debt payoff planner · creditor call log · settlement agreement tracker · DIY debt settlement · debt relief alternative