You already know what you owe. Now get the tools to resolve it — on your terms.
Detta is self-help software that walks you through settling, disputing, and paying off debt — step by step. No middleman. No escrow. You pay creditors directly and keep every dollar you save.
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How it works
Step 1
Add your debts — creditor names, balances, and status. Takes about five minutes.
Step 2
Detta prioritizes your debts and gives you a step-by-step action plan tailored to your situation.
Step 3
Generate letters, follow phone scripts, track every response, and upload proof — all in one place.
Compare costs
Debt settlement companies typically charge fees based on a percentage of your enrolled debt. With Detta, you get the tools to do the work yourself.
Typical settlement company
15 – 25%
of your total enrolled debt, charged as a fee
Detta
$279 /year
Flat annual price. You do the work. You keep the savings.
This comparison is for general informational purposes only. Actual fees charged by debt settlement companies vary by provider, state, and individual circumstances. Detta is self-help software — not a debt settlement service — and does not negotiate with creditors on your behalf. Outcomes depend on your individual actions and circumstances. Nothing on this page constitutes legal, financial, or tax advice.
Questions
No. Detta is self-help software. We do not negotiate with creditors on your behalf, and we never hold or manage your money. You contact creditors directly using the tools, templates, and guidance Detta provides.
Settlement companies negotiate on your behalf and typically charge 15–25% of your enrolled debt. They often require you to stop making payments and deposit money into an escrow account they control. With Detta, there's no escrow, no middleman fees, and you decide when and how to pay. The tradeoff is that you're doing the work yourself — and Detta gives you everything you need to do it well.
Detta is designed for unsecured debts — credit cards, medical bills, personal loans, and debts in collections. It is not designed for secured debts like mortgages or auto loans, and it does not cover student loans held by the federal government.
Not at all. Detta provides plain-language guidance, ready-to-send letter templates, phone call scripts, and educational resources — all designed for people with no prior experience navigating debt resolution.
No. Detta provides tools and guidance, but outcomes depend on your individual circumstances, the creditors involved, and the actions you take. We do not guarantee any specific reduction, settlement, or outcome. Every situation is different.
No. Detta is self-help software, not a law firm, and nothing provided through Detta constitutes legal, financial, or tax advice. If you need legal representation, we encourage you to consult a licensed attorney in your state.
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