Resolve your debt.
Keep the savings.
Debt settlement companies charge 15-25% of what you owe, just in fees. Detta™ gives you the tools to do it yourself and keep the savings.
Self-help software, not a law firm. You make every decision.
Reserve your spot today
You're on the list!
We'll email you when it's your turn.
While you wait, a free guide from us: Know your rights when a debt collector calls (PDF).
Quick question: before today, did you know you could resolve debt yourself, without a settlement company?
Thanks, that genuinely helps us.
How Detta™ works
Add your debts
Enter what you owe: names, balances, and how far behind you are. Takes 5 minutes.
Get your plan
ANNA™, your Adaptive Negotiation and Navigation Assistant, turns your debt chaos into a clear, guided path, from first letter to final resolution.
Resolve it yourself
Generate letters, track responses, and negotiate directly. You keep every dollar you save.
What settlement companies charge
Drag the slider to see how much goes to fees.
* Traditional settlement companies charge 15-25% of enrolled debt. Estimates are illustrative. Results vary. Detta™ is self-help software. See our terms.
What could you settle for, and what to say
Enter a balance and who holds the debt now. We'll estimate a realistic offer range and draft your call script. Your numbers never leave your browser.
Estimates only, based on commonly reported industry ranges (creditors vary and may decline). Detta™ is self-help software, not financial, tax, or legal advice. You contact the creditor yourself; Detta never negotiates for you or holds your money.
Reviewed by a consumer-protection attorney.
See how fast you could be debt-free
Add your credit cards and what you can pay each month. We'll show your payoff plan two proven ways, side by side. Your numbers never leave your browser.
Estimates for education only, based on the numbers you enter and assuming fixed rates and no new charges. Detta™ is self-help software, not financial or legal advice, and results vary. Settling a debt for less than you owe can hurt your credit and may have tax consequences.
Reviewed by a consumer-protection attorney.
Built on trust
Built by a team that includes practicing consumer-protection attorneys. Every calculator, script, and explanation here is reviewed
by a consumer-protection attorney.
No Escrow, No Middlemen
We never hold, collect, or move your money. You pay creditors directly.
Self-Help Software
Detta™ is not a law firm or debt settlement company. You make every decision.
AI-Ready Platform
Built from the ground up for intelligent guidance. Smart today, smarter tomorrow.
Common 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. Read more: do I need a settlement company?
Detta™ is designed for unsecured debts like 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. Read more: your rights when a collector calls.
We're onboarding waitlist members in waves. Join the waitlist and we'll email you as soon as your spot opens. Early joiners get priority access.
More questions? Read our free, attorney-reviewed guides on your rights, settlement companies, and more in Learn.