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Lower your balances and reduce your payments as we help you navigate out of credit card debt.
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Ask questions, get clear answers. Our AI debt advisor knows your accounts, breaks down your options, and shows you exactly how much you can save.
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We make sure you’re never adrift — if your creditors takes legal action, we'll help you respond to debt lawsuits to keep your debt-free journey on course.
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Trusted by 160,000+ users

Open App Store
11/10/2024
Must use
I had very low expectation for this app when I first signed up for it. But it took least turn a week for me to see this is a must use app. I’ve already recommended this to anyone I know who may be struggling to pay off debt. They save you so much money while streamlining the process. This app is a must use for anyone needing any extra boost or motivation to paying off their debt. jajaajjjjjapsidasdjasdjasldsaldasdlsadnasldnasldn
Green ranger 2.0
01/03/2025
Saved over $1000!
A game-changer for me. It's user-friendly and gives straightforward advice on how to boost your credit score. The credit monitoring feature is super helpful, and I love the personalized recommendations. I’ve already seen improvements in my score and feel more confident about my financial future. Highly recommend for anyone wanting to take control of their credit.
JazzyJ567
01/04/2025
Surprised (it was super helpful)
I was very hesitant to give my info etc. So many scams out there that say they can help. My debt has been haunting me, and I’m a massive procrastinator. I was excited to see an app but was still skeptical. I gave it a shot and it actually reduced my debt by hitting up the creditors for me. It was simple and worked just like they said it would. I know it’s new and can’t help every account I have but I think if it can help you then do it.
Dualcity
03/10/2025
Finally a Debt Solution That Works!
Relief is not only incredibly effective but also very well designed. It helped me negotiate with creditors, lower my payments, and stay on track with a clear plan. The interface is smooth, easy to use, and makes managing debt feel less overwhelming. Highly recommend!
Jas_1026
01/05/2025
It actually works
Here is the thing, it does not work for all of my debts. I read that they are in the process of expanding to add on new creditors, and I’m looking forward to that. I was very pleased with the amount they were able to get from my creditors. If I had one major piece of feedback it is to let people know that the amount of money saved doesn’t depend on the app, it’s up to the creditors. This just makes it very easy to negotiate your balance down (which is very helpful). I would tell you that if you need help, try this app before doing it on your own.
Arlene P W
01/27/2025
Great money saver in debt
I was nervous to try this app out thinking it wouldn’t work out in my favor but it did. I have a good amount of debt so I tried a small account first. I paid the fee and 2-3 days later I received a message saying my amount was lowered by 60%. Was hoping I could just pay through relief but you have to go through the collections agency for payment options. That was my only downside to what I was hoping for. Definitely recommend using relief. Will continue to use for other debts.
Toosweet996
11/10/2024
Must use
I had very low expectation for this app when I first signed up for it. But it took least turn a week for me to see this is a must use app. I’ve already recommended this to anyone I know who may be struggling to pay off debt. They save you so much money while streamlining the process. This app is a must use for anyone needing any extra boost or motivation to paying off their debt. jajaajjjjjapsidasdjasdjasldsaldasdlsadnasldnasldn
Green ranger 2.0
01/03/2025
Saved over $1000!
A game-changer for me. It's user-friendly and gives straightforward advice on how to boost your credit score. The credit monitoring feature is super helpful, and I love the personalized recommendations. I’ve already seen improvements in my score and feel more confident about my financial future. Highly recommend for anyone wanting to take control of their credit.
JazzyJ567
01/04/2025
Surprised (it was super helpful)
I was very hesitant to give my info etc. So many scams out there that say they can help. My debt has been haunting me, and I’m a massive procrastinator. I was excited to see an app but was still skeptical. I gave it a shot and it actually reduced my debt by hitting up the creditors for me. It was simple and worked just like they said it would. I know it’s new and can’t help every account I have but I think if it can help you then do it.
Dualcity
03/10/2025
Finally a Debt Solution That Works!
Relief is not only incredibly effective but also very well designed. It helped me negotiate with creditors, lower my payments, and stay on track with a clear plan. The interface is smooth, easy to use, and makes managing debt feel less overwhelming. Highly recommend!
Jas_1026
01/05/2025
It actually works
Here is the thing, it does not work for all of my debts. I read that they are in the process of expanding to add on new creditors, and I’m looking forward to that. I was very pleased with the amount they were able to get from my creditors. If I had one major piece of feedback it is to let people know that the amount of money saved doesn’t depend on the app, it’s up to the creditors. This just makes it very easy to negotiate your balance down (which is very helpful). I would tell you that if you need help, try this app before doing it on your own.
Arlene P W
01/27/2025
Great money saver in debt
I was nervous to try this app out thinking it wouldn’t work out in my favor but it did. I have a good amount of debt so I tried a small account first. I paid the fee and 2-3 days later I received a message saying my amount was lowered by 60%. Was hoping I could just pay through relief but you have to go through the collections agency for payment options. That was my only downside to what I was hoping for. Definitely recommend using relief. Will continue to use for other debts.
Toosweet996
11/10/2024
Must use
I had very low expectation for this app when I first signed up for it. But it took least turn a week for me to see this is a must use app. I’ve already recommended this to anyone I know who may be struggling to pay off debt. They save you so much money while streamlining the process. This app is a must use for anyone needing any extra boost or motivation to paying off their debt. jajaajjjjjapsidasdjasdjasldsaldasdlsadnasldnasldn
Green ranger 2.0
01/03/2025
Saved over $1000!
A game-changer for me. It's user-friendly and gives straightforward advice on how to boost your credit score. The credit monitoring feature is super helpful, and I love the personalized recommendations. I’ve already seen improvements in my score and feel more confident about my financial future. Highly recommend for anyone wanting to take control of their credit.
JazzyJ567
01/04/2025
Surprised (it was super helpful)
I was very hesitant to give my info etc. So many scams out there that say they can help. My debt has been haunting me, and I’m a massive procrastinator. I was excited to see an app but was still skeptical. I gave it a shot and it actually reduced my debt by hitting up the creditors for me. It was simple and worked just like they said it would. I know it’s new and can’t help every account I have but I think if it can help you then do it.
Dualcity
03/10/2025
Finally a Debt Solution That Works!
Relief is not only incredibly effective but also very well designed. It helped me negotiate with creditors, lower my payments, and stay on track with a clear plan. The interface is smooth, easy to use, and makes managing debt feel less overwhelming. Highly recommend!
Jas_1026
01/05/2025
It actually works
Here is the thing, it does not work for all of my debts. I read that they are in the process of expanding to add on new creditors, and I’m looking forward to that. I was very pleased with the amount they were able to get from my creditors. If I had one major piece of feedback it is to let people know that the amount of money saved doesn’t depend on the app, it’s up to the creditors. This just makes it very easy to negotiate your balance down (which is very helpful). I would tell you that if you need help, try this app before doing it on your own.
Arlene P W
01/27/2025
Great money saver in debt
I was nervous to try this app out thinking it wouldn’t work out in my favor but it did. I have a good amount of debt so I tried a small account first. I paid the fee and 2-3 days later I received a message saying my amount was lowered by 60%. Was hoping I could just pay through relief but you have to go through the collections agency for payment options. That was my only downside to what I was hoping for. Definitely recommend using relief. Will continue to use for other debts.
Toosweet996
FAQs
Frequently asked questions

How long will it take to resolve my debt?

Everyone's situation is different. Here's how long each Relief product may take to help you reach the finish line.

‍Debt Reduction
Once your creditor grants you a balance reduction, they’ll share repayment terms in an agreement letter that you can review and download in the app. Creditors can take up to 60 days to review your request and provide a decision. Each reduction is unique — some debts may be paid off in a few months, while others could take longer depending on your agreement. After your final payment, your creditor will provide a letter confirming your debt is fully paid.

What types of debt does Relief help with?

Relief helps with credit cards, personal loans, collections debt, and past-due medical debt. We currently don’t support car loans or mortgages. (yet! 👀).

Will my credit score be affected?

Relief does not run any hard credit checks — only a soft pull to find your accounts.If you’re requesting a reduction, your credit score may already be affected by missed payments.
Once your debt is resolved and marked as “settled” or “paid,” your score can begin to recover over time.

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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 Protect 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.

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