Early access

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.

No credit card
No escrow fees
Free forever tier
Detta

Reserve your spot today

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We'll email you when it's your turn.

How Detta works

Step 01

Add your debts

Enter what you owe — names, balances, and how far behind you are. Takes 5 minutes.

Step 02

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.

Step 03

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.

$5K $100K

$20,000

A settlement company would charge

$3,000 – $5,000

in fees (15–25% of enrolled debt)*

With Detta, you keep that money.

Same letters. Same strategy. You do it yourself.

* Traditional settlement companies charge 15–25% of enrolled debt. Estimates are illustrative. Results vary. Detta™ is self-help software — terms.

Built on trust

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.

Detta™ is designed for unsecured debts — 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.

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.