Where Pro-Settle sits in the consumer-protection landscape, and the rights you keep as a consumer.
Last updated: August 3, 2026
Debt relief is a heavily regulated industry, and for good reason — consumers in financial distress have been targeted by advance-fee schemes and false promises for decades. Pro-Settle is built on a deliberately different model, and this page explains it plainly.
Pro-Settle sells educational content and document-preparation software. You enter your own information, you decide what to offer, and you send the letters yourself. We never:
The TSR's debt-relief provisions — including the advance-fee ban — apply to debt relief services sold through telemarketing. Pro-Settle is sold entirely online, initiated by you, with no outbound telemarketing, and we do not perform debt relief services on your behalf. The one-time fee you pay is for immediate access to educational content and software, not for a promised settlement outcome. We nonetheless follow the spirit of the rule: clear pricing before purchase, no contingency fees, no claims that a specific result is guaranteed, and prominent disclosure of the risks of settlement on our Disclaimer page.
CROA regulates businesses that, for payment, improve or claim to improve a consumer's credit record or advise consumers on doing so. Pro-Settle does not sell credit repair services, does not represent that it can remove accurate negative information, and in fact discloses that settling debt is likely to harm your credit. If you use a third-party credit-repair product we link to, that provider is responsible for its own CROA compliance, including furnishing you the required written disclosures and a three-day right to cancel.
Many states license or restrict “debt adjusters,” “debt pooling” services, and proraters — entities that receive consumer funds or negotiate with creditors. Because Pro-Settle does neither, we do not operate as a debt adjuster. State law varies, though, and some states regulate document-preparation services. If your state requires something of a provider like us, we intend to comply; tell us if you believe we have missed something.
The Fair Debt Collection Practices Act gives you rights when dealing with third-party debt collectors. Among them:
You can report violations to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or to the FTC at reportfraud.ftc.gov.
We follow the FTC's guidance on endorsements and testimonials. Testimonials on this site reflect individual experiences and are labeled as not typical. Where we earn a commission for referring you to a third-party product, we disclose it. Affiliate partners who promote Pro-Settle are contractually required to advertise truthfully, to avoid guaranteeing outcomes, and to disclose their compensated relationship with us.
Card payments are processed by Stripe, a PCI-DSS Level 1 service provider. Pro-Settle never receives or stores your full card number. Affiliate commissions are paid through Stripe Connect, subject to Stripe's identity verification and tax-reporting requirements.
We handle sensitive financial information under the practices described in our Privacy Policy: encryption in transit, least-privilege internal access, no sale of personal information, and honoring access and deletion requests, including those made under the CCPA/CPRA.
We aim to meet WCAG 2.1 Level AA. If you encounter a barrier using the Services with assistive technology, please tell us and we will work to fix it and to provide the information you need in an accessible format.
If you believe Pro-Settle, or an affiliate promoting Pro-Settle, has behaved in a way that is misleading or non-compliant, we want to hear about it. Contact us through the contact form or email postmaster@pro-settle.com. We investigate every report and terminate affiliates who violate our advertising standards.
This page describes our practices and summarizes selected laws in general terms. It is not legal advice and is not a complete statement of your rights or our obligations.