Track Every Step of Your Debt Settlement with
DebtApp
More than debt relief — get visibility into your progress every step of the way. Our exclusive DebtApp gives clients 24/7 access to account updates, settlement progress, and important program information.
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Follow Your Account Status
each step of the way
What You Can Do in the DebtApp
Review Settlement Offers
Before any negotiation is finalized, you see it. The DebtApp surfaces settlement offers from your creditors as they come in, so you know exactly what’s been proposed and what our team is working to improve. You approve settlements before funds are released — nothing moves without your sign-off.Monitor Your Progress 24/7
Your debt settlement program runs in the background of your life, but you should not have to wonder where things stand. The DebtApp shows you which accounts are active, which are in negotiation, and which have been settled. You can check in at any time, from any device, without calling in or waiting on a status update.
Upload and Send Documents
When your creditors or our team need documentation, you handle it from your phone. Take a photo of a statement, a collection letter, or any account document and send it directly through the app. No fax, no mail, no desktop login required.Monthly Budgeting Tools
Your monthly deposit into your dedicated savings account is the engine of your program. The budgeting tools in the DebtApp help you track that deposit, see how your savings balance is building, and stay on schedule for the settlements ahead. Clients who stay consistent with deposits typically complete their programs in 24 to 48 months.
Review Settlement Offers
Monitor Your Progress 24/7
Upload and Send Documents
Monthly Budgeting Tools
Easily Upload Documents
Our free mobile app provides the easiest way to send us documents such as your recent credit card statements and collection letters.
Simply take a picture and upload them.
It’s easy as… Click – Capture – Send!
How to Download
To get started, search for “DebtApp” in your device’s app store. Whether you’re using an iPhone or an Android, you can find us on the Apple App Store or Google Play.
If you’re browsing on your phone, just tap the icon below for your device.
Once downloaded, follow the easy login steps to get started.
How Your Debt Settlement Program Works
The DebtApp tracks your progress through every stage of the settlement process. Here is what each step means and what happens when you reach it.
Step 1: Account Activation
Your Debt Account Team reviews your enrolled credit card accounts and determines which balances to negotiate first. They develop your debt reduction plan based on your total enrolled debt, account balances, and creditor history.
Step 2: Negotiation Prep
Your team prepares a targeted payoff reduction offer for each account. This offer is based on your current savings balance, the creditor’s history of accepting settlements, and the goal of reducing your balance by as much as possible.
Step 3: Negotiation Sent and Awaiting Offer
Your team submits the reduction offer to your creditor. The creditor reviews it and responds with either an acceptance or a counteroffer. This stage can take days to weeks, depending on the creditor.
Step 4: Offer Received
If the creditor counters, your team prepares a revised offer designed to move closer to the target reduction. This stage repeats until an acceptable settlement is reached.
Step 5: Offer Accepted
Your creditor accepts the payoff reduction offer. Your team begins processing the settlement using the funds in your dedicated savings account.
Step 6: Settlement in Progress
Funds from your Payoff Savings Account (PSA) are applied to the settled balance. Payments continue until the full agreed-upon reduced amount is paid to your creditor.
Step 7: Account Paid Off
Once the final reduced payment is made, the account is marked settled and closed. For accounts with multiple enrolled balances, the process repeats until all debt is resolved.
Step 1: Account Activation
Your Debt Account Team reviews your enrolled credit card accounts and determines which balances to negotiate first. They develop your debt reduction plan based on your total enrolled debt, account balances, and creditor history.
Step 2: Negotiation Prep
Your team prepares a targeted payoff reduction offer for each account. This offer is based on your current savings balance, the creditor’s history of accepting settlements, and the goal of reducing your balance by as much as possible.
Step 3: Negotiation Sent and Awaiting Offer
Your team submits the reduction offer to your creditor. The creditor reviews it and responds with either an acceptance or a counteroffer. This stage can take days to weeks, depending on the creditor.
Step 4: Offer Received
If the creditor counters, your team prepares a revised offer designed to move closer to the target reduction. This stage repeats until an acceptable settlement is reached.
Step 5: Offer Accepted
Your creditor accepts the payoff reduction offer. Your team begins processing the settlement using the funds in your dedicated savings account.
Step 6: Settlement in Progress
Funds from your Payoff Savings Account (PSA) are applied to the settled balance. Payments continue until the full agreed-upon reduced amount is paid to your creditor.
Step 7: Account Paid Off
Once the final reduced payment is made, the account is marked settled and closed. For accounts with multiple enrolled balances, the process repeats until all debt is resolved.
Built for Clients.
Exclusive to CreditAssociates.
No other debt settlement program offers a dedicated mobile app built specifically for clients in the program. Most companies communicate through phone calls or periodic emails. The DebtApp gives you something different: a real-time debt settlement app that shows you exactly where your money is, what has been negotiated, and what comes next.
If you are comparing debt settlement companies and want to know what ongoing support looks like, this is it. You are not handed off to a call center after enrollment. You have a debt management app and a dedicated team working your accounts from day one.
Why Ongoing Visibility Matters in Debt Settlement
Debt settlement programs run for 24 to 48 months. Over that time, your enrolled balances are negotiated one account at a time, and the pace depends on how quickly your savings build. A debt tracker app during that process means you can see when negotiations are active, review offers before they are finalized, and confirm when accounts close. You are not waiting on a quarterly letter to find out what happened to your accounts.
Top Rated
Debt Relief Company
Excellent
4.9 stars out of 5 stars based on 20,000+ reviews
Christina C.
Client from New York
“I decided to make the call and was immediately assisted and guided through the process. I am saving so much now! I should have made the call sooner!”
Anthony M.
Client from Indiana
“Were able to cut my total balance in half. Remove interest and create a manageable payment plan. The fee for their services was well worth the stress-free resolution.”
Terri H.
Client from California
“This company is amazing cut my debt in half and gave me peace of mind.”
Tina G.
Client from Florida
“Great service with great people! They were able to cut my debt… This was a gargantuan weight lifted off my shoulders.”
Robert S.
Client from Michigan
“I kept hesitating to call but I’m so relieved I did… She was so nice and explained everything… Wish I called sooner.”
Coreen D.
Client from New York
Susan S.
Client from Oklahoma
Easily Upload Documents
Our free mobile app provides the easiest way to send us documents such as your recent credit card statements and collection letters.
Simply take a picture and upload them.
It’s easy as… Click – Capture – Send!
How to Download
To get started, search for “DebtApp” in your device’s app store. Whether you’re using an iPhone or an Android, you can find us on the Apple App Store or Google Play.
If you’re browsing on your phone, just tap the icon below for your device.
Once downloaded, follow the easy login steps to get started.
