Achieving Successful Debt Settlement on Your Own

About Relief: Relief is a self-service platform designed to help you understand and take action on your debt. We are not a lender, creditor, debt collector, or law firm.

How It Works: Relief provides tools to help you review your accounts, understand your situation, and explore potential options available to you. Depending on your eligibility, you may be able to take action directly through the platform, including submitting requests to your creditors or choosing to contact your creditor directly. Creditors independently review any requests and determine whether to accept, reject, or provide alternative terms. Results vary based on your situation and each creditor’s policies. There is no guarantee of any specific outcome.

Fees & Payments: Relief charges a membership fee for access to its platform and tools. These fees are for use of the platform only and do not go toward payments to your creditors. If a request is accepted, your creditor will provide payment terms directly. You are responsible for making all payments according to those terms.

Membership Includes: With your membership, you have access to a growing suite of tools designed to help you better understand, manage, and take action on your debt. This includes access to data-driven insights and technology that analyze your accounts and surface potential options, along with tools to review important notices, identify opportunities, and take next steps directly through the platform. Available tools and features may change or expand over time.

Account Information: Account details, balances, and eligibility are based on the most recent data from your credit report and may change over time. We cannot edit, modify, add accounts or details shown from these reports.

Legal Information: Legal tools are provided for informational purposes only and do not constitute legal advice or legal representation.

Reduction Tool: Our reduction tool uses first-party and third-party data to estimate what creditors may be willing to accept for less than the full balance. These are estimates only, and all reduction terms and outcomes are determined solely by your creditor. Users with eligible debt may request to receive an offer to resolve an account for less than the full balance. Outcomes vary, and there is no guarantee of reduction. Creditor responses may take up to 60 days. If an offer is available, your creditor will provide the final terms, including any repayment schedule. You pay your creditor directly. Relief does not collect or process payments on behalf of creditors.

Content: Content on this site is general information, not legal, financial, or credit advice, and is not a substitute for a licensed attorney or advisor. Laws and deadlines vary by state and change over time. Company names and trademarks belong to their owners and are used for identification only — their appearance does not imply affiliation with or endorsement by Relief. Outcomes described are illustrative, not guarantees.

Creditor eligibility and participation may vary over time. Whether an account qualifies for any Relief tool depends on your creditor's current policies and the information available from your credit report, and can change without notice. A creditor that participates today may not later, and vice versa.