DIY DEBT SETTLEMENT

Privacy & Secure Payments

Settling with debt collectors on the phone is almost never a good idea. Giving up too much information and making payments without a written agreement can cause big problems. Detamate lets you settle debt by sending payment securely, remotely, and without sharing your payment information with debt collectors or other callers.

Guided Negotiations

After registering your account, just identify the debt, make an offer, and add a private link to your payment method. Your initial offer includes notice to the collector that all further contact regarding the debt is to take place through Detamate. Track and manage responses from collectors and pending settlement transactions on the simple, clutter-free dashboard.

Fully Documented

Settlements should always be documented. Phone settlements can be hard to prove. If a settled debt re-appears, you need proof of settlement. Credit repairs and clean-up for a home, auto or other major purchase is much easier with organized, documented proof of debt settlement. Keep your settlements and all details at your fingertips for easy access when you need them.

AVOID THE PITFALLS OF SETTLING BY PHONE

IT’S DIY DEBT RELIEF, BUT SMARTER.

SETTLEMENTS BY PHONE
  • Scam Risk by Sharing Payment & Private Information Over Phone.
  • No Written Agreement.
  • No Debt Validation.
  • Make Another Call, Get Another Answer.
  • Phone Trees, Call Centers, and Voice Mails to Nowhere.
  • Oversharing of Financial or Employment Information.
  • Calls Recorded for the Debt Collector’s Benefit Only.
DETAMATE SETTLEMENTS
  • Secure Payments through Site, No Bank Information Shared with Collector.
  • Step by Step Settlement Negotiation.
  • Clean Up & Repair Credit for Major Purchases.
  • Stop Collection Calls & Letters.
  • Dashboard to Track & Manage Settlements
  • Eliminate Oversharing & Uncomfortable Collection Calls.
  • More Affordable than Other Debt Relief Options.

THE DEBT RELIEF DILEMMA

FOR DEBTORS

The amount you owe is not enough to justify filing bankruptcy. Hiring a lawyer can be too expensive for most consumer debts. Debt counseling’s great, but, it can’t help you right now. Even on smaller debts, the debt consolidation companies charge you every month before a settlement is ever reached. With Detamate, you can negotiate smarter debt settlements on your own, at a fraction of the prices charged for other debt relief options.

FOR COLLECTORS

The collection industry is full of scams & abuses. Most people can’t tell the good from the bad. To protect the public, there is a web of regulations that limit the timing, frequency and modes of communication between consumers and debt collectors. These regulations apply anytime the debt collector attempts to collect a debt, even if it is valid and enforceable. Dealing with regulation increases collection lawsuit filings, business costs and expenses and, makes settlements less frequent and more difficult.

THE DETAMATE SOLUTION

Detamate was created by lawyers and web developers with decades of experience in the consumer collection and credit industry. By buffering the exchange of information, keeping payment information private, and making collectors disclose their relationship to the debt before viewing offers, consumers are protected while attempting settlement. By automating the negotiations, payments, and settlement documents, both parties save time and money, and make settlement a greater possibility.