SettleTrack

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