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debtors are now digitally negotiating and settling unpaid debt the smart way for free with settle its off after downloading the app and entering all the info required start negotiating with your creditors in the settlement section which contains all the essential elements of your debt settlement process including offer invitation acceptance rejection and counteroffer the settlement process begins by tapping negotiate at the bottom of the home page or negotiate settlements in the menu now select the account you wish to place in settlement and then tap settle if the account is still with the original creditor tap yes and then ok enter all the required information when done tap update if the account is no longer with the original creditor and has been assigned to a collector tap no and then ok begin by confirming the accuracy of the original creditor information including entry of the remaining ten digits of the account number if requested next select the creditor type and then enter all