Settle old debt on your terms.
Lenders are settling charged-off balances for 35–50% of face value. See every debt in your name, then negotiate privately — without a single call from a collector.
We'll add you to the launch list and email a private demo link so you can preview what's coming.
Are you a bank or collections team?Preview debtfriends- Avg. savings
- 47%
- Settled to date
- $2.1B
- Platform fee
- 0% upfront
See your debt. Settle it now.
Typical savings range
| Debt balance | Potential savings |
|---|---|
| $5,000 | $1,750–$2,500 |
| $10,000 | $3,500–$5,000 |
| $20,000 | $7,500–$10,000 |
Bank-level encryption • No upfront fees
How it works
Three steps. No phone calls. Ever.
Step 1
Sign up for free
No upfront fees, no monthly charges. You only pay when you save.
Step 2
See your old debt instantly
We pull your charged-off accounts from the credit bureaus the moment you sign up.
Step 3
Negotiate privately
Make offers directly to your lenders. We never share your name, email, or address.
Your debt settlement rights
Privacy by default. Leverage by design.
The Fair Debt Collection Practices Act and state consumer laws give you more leverage than collectors admit. debtfriends is built around them — lenders come to you, not the other way round.
- Your contact info is never shared with lenders.
- You choose which debts to work on, and when.
- Every offer is logged with a full audit trail.
- Only pay our 10% fee on amounts you actually save.