# Debt Eraser — Track & Settle Debt > Personal finance tool for tracking and managing debts with letter generation. (iPhone/iPad app by Christopher Kuczynski.) - Source: https://appshunter.io/ios/app/debt-eraser/id6761077274 (this page in markdown: same URL + `.md`) - Developer: [Christopher Kuczynski](https://appshunter.io/developer/1887660642) - Category: Finance, Education - Price: Free with in-app purchases - Rating: 5.00/5 from 5 App Store ratings · 5 written reviews indexed - Age rating: 17+ - Requires: iOS 15.1 · 55 MB - Languages: American English - Released: 2026-05-08 - Data updated: 2026-07-29 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/debt-eraser/id6761077274/reviews.md ## What is Debt Eraser? The Debt Eraser App is a personal finance tool designed to help users understand, manage, and address their outstanding debts. Users can input and track multiple debts, including credit cards, medical bills, and collection accounts, within a centralized dashboard. The app provides educational resources related to consumer debt laws and financial rights. Based on user input, the app generates pre-filled letter templates such as debt validation letters, settlement offer letters, hardship letters, and goodwill requests. These letters are intended to assist users in communicating with creditors and collection agencies. Users can review, edit, and export these letters for personal use. The app also includes optional mailing functionality through a third-party service, allowing users to send letters directly from the platform. The app offers a guided experience to help users follow a structured process for addressing their debts. Progress tracking features allow users to monitor actions taken, such as letters sent or responses received. Subscriptions unlock premium features including unlimited letter generation, advanced tracking, and additional educational content. The app does not provide legal advice, credit repair services, or direct negotiation with creditors. It is intended as a self-help tool for informational and organizational purposes only. ## Key features - Track multiple debts - Generate debt validation letters - Generate settlement offer letters - Generate hardship letters - Educational resources on debt laws - Optional letter mailing service - Progress tracking ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Debt Eraser Plus Monthly | $19.99 | per month | | Debt Eraser Plus Yearly | $149.99 | per year | | Debt Eraser Freedom Yearly | $299.99 | per year | | Debt Eraser Freedom Monthly | $39.99 | per month | ## Recent user reviews (5 of 5) All indexed reviews: https://appshunter.io/ios/app/debt-eraser/id6761077274/reviews.md ### 5/5 — Excellent App *2026-05-14* Honestly one of the better debt tracking apps I’ve used. Clean layout, easy to understand, and it actually helps keep everything organized without overcomplicating it. Definitely useful if you’re serious about paying things down and staying on top of your finances. ### 5/5 — Excellent App *2026-05-13* This app is easy to use and lets you track your progress. I’ve used other apps like this but non gave me the results debt eraser got me.. I’m truly happy I used this app ### 5/5 — Excellent App *2026-05-13* Very clean and easy to use. Makes organizing and tracking debt way less stressful, and the layout is simple without feeling overwhelming. Looking forward to future updates! ### 5/5 — Game Changer *2026-05-12* This app is a total game changer and has save me tons of money as well as the opportunity to learn how to dispute debts ### 5/5 — Amazing *2026-05-10* I used debt eraser and I’ve learned a lot… I was about to spend thousands of dollars to have my credit cleaned up and have spent a fraction of that . ## Frequently asked questions about Debt Eraser ### What types of debts can I track with Debt Eraser? Debt Eraser allows you to track various debts including credit cards, medical bills, and collection accounts. The app provides a centralized dashboard for managing all your outstanding financial obligations. ### Does Debt Eraser offer legal advice? No, Debt Eraser is a self-help tool and does not provide legal advice, credit repair services, or direct negotiation with creditors. Its purpose is for informational and organizational assistance. ### How does Debt Eraser help me communicate with creditors? The app generates pre-filled letter templates such as debt validation, settlement offer, hardship, and goodwill request letters. You can review, edit, and export these letters for your communication needs. ### What are the subscription options for Debt Eraser? Subscriptions unlock premium features like unlimited letter generation and advanced tracking. Plans include Debt Eraser Plus and Debt Eraser Freedom, available on monthly and yearly billing cycles. ### How often is Debt Eraser updated? The latest version of Debt Eraser is 1.07, last updated on July 7, 2026. Updates ensure the app remains reliable and may introduce new features or improvements. ### What devices is Debt Eraser available on? Debt Eraser is supported on iPhone, iPad, and iPod devices. The app is designed for iOS users seeking to manage their finances. ### Does Debt Eraser have ads? Yes, Debt Eraser contains advertisements. These ads are displayed within the application to support its free offering. ### What is the age rating for Debt Eraser? Debt Eraser has an age rating of 17+. This rating is based on the app's content and is intended for mature users. ## Version history (last 5 releases) ### 1.09 — 2026-07-26 Your verdicts just got a serious upgrade. Debt Eraser now thinks like a debt-relief expert. For every debt, the app picks your single best next move from a proven playbook — demand proof, dispute what's inaccurate, flag debts too old to report, or negotiate from strength. New in this version: Expert game plan with every verdict: why the move works, what to expect, and step-by-step instructions Smarter questions that catch re-aged and outdated debts many people never spot New letter strategies: pay-for-delete offers, settlement negotiations, and goodwill requests for paid accounts Follow-up letters now escalate — if a collector ignores you or pushes back, the app hands you the next, stronger move You don't need to know the law. You just need to know your next move — and now the app always does. ### 1.08 — 2026-07-14 mport Your Credit Report Upload your credit report and let Debt Eraser do the work. Every debt, collector, and account is automatically imported into your dashboard in seconds—no manual entry, no digging through pages. NEW: 3-Day Free Trial Try Debt Eraser free for 3 days. Generate debt validation letters, understand your rights under federal law, and take the first step toward taking control of your debt. Also in this update: • Faster credit report imports • Faster letter generation • Improved onboarding experience • Bug fixes and performance improvements Debt collectors count on you not knowing your rights. Debt Eraser helps put the law back in your hands. ### 1.07 — 2026-07-07 This update is all about helping you take action faster and making your debt journey feel simpler from day one. New • Brand-new value-first onboarding experience • Instant personalized action plan before creating an account • Guided "Your Path" experience that walks you from adding a debt to resolving it • Milestone celebrations to keep you motivated Improved • Faster, more intuitive onboarding flow • Better subscription experience • Improved physical mail tracking for letters • More accurate state-specific debt law information • Light mode is now the default (Dark Mode is still available) Fixed • Resolved duplicate subscription screens • Fixed subscription confirmation emails • Improved overall reliability, stability, and performance Thank you for using Debt Eraser! More improvements are already on the way. ### 1.06 — 2026-06-17 What's New • Mail letters directly from the app with our new mailing integration. • Faster, smoother experience throughout the app. • Improved reliability and bug fixes. • Enhanced debt tracking and account management. ### 1.05 — 2026-05-28 Debt Eraser is now smoother, faster, and easier to use. This update includes: • Sign in with Apple for faster, more secure account access • Improved onboarding to help you get started quicker • Better debt letter flow so you can take action with less confusion • Cleaner screens, smoother navigation, and overall performance improvements • Bug fixes and stability updates across the app Debt Eraser is built to help you understand your debt, generate helpful letters, and take the next step with more confidence. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-29.*