They bought your debt for pennies. Don't pay dollars.

Collection agencies buy debt for 4–10¢ on the dollar. The average settlement is 48% of the balance. With the right strategy, you can settle for 30–50% — or less. Countered builds your complete settlement strategy with validation letters, negotiation scripts, and a step-by-step action plan.

What you get for $29

• Analysis of your debt's journey and what the collector paid for it
• Ready-to-send debt validation letter
• Settlement offer letter with exact dollar targets
• Word-for-word phone scripts for every scenario
• Step-by-step action plan with timelines
• Up to 3 debt analyses included

Frequently asked questions

Can I really settle for less than I owe?

Yes. Debt buyers purchase debts for 4–10 cents on the dollar. They have strong financial incentive to accept a settlement that still gives them a profit. The average settlement is 48%, and with the right strategy you can often settle for 30–40% or less.

Do I need a lawyer?

Most people can negotiate their own debt settlement using the right strategy and scripts. Debt settlement companies charge 15–25% of your enrolled debt. Countered gives you the same strategy for $29. If you've been sued, we recommend consulting a consumer debt attorney — many offer free consultations.

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