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Debtors can now negotiate and settle unpaid debt digitally for free with the Settle Its Off app. After entering all required information, users can start negotiating with creditors in the settlement section. This section includes offer invitation, acceptance, rejection, and counteroffer features. The settlement process is initiated by tapping negotiate on the home page or in the menu. Users can select the account they wish to settle and enter all necessary information. If the account is still with the original creditor, users should tap yes and then ok. If the account is with a collector, users should tap no and then ok. Users should confirm the accuracy of the original creditor information and enter the remaining ten digits of the account number if requested. Finally, users should select the creditor type and enter all necessary details.