Debt settlement companies charge 15 to 25 percent of enrolled debt and make you route your money through their escrow. My cofounder background is consumer-protection law, so we built Detta: software that gives people the letters, phone scripts, and payoff math to resolve debt themselves. No escrow, we never touch anyone's money. Free calculators are live at detta.us and the full platform is onboarding from a waitlist. Pre-launch, first B2B pilot in motion with a trucking fleet. Happy to answer anything about building in a heavily regulated space.