Easy and straightforward
I thought settling debt would mean a bunch of phone calls and people trying to sell me something. Felix has been way easier than I expected. I can just open the app, see what’s going on, and handle things from there.
Free
About
This app helps you negotiate credit card debt, medical bills, and collections for less. It analyzes your debts, drafts settlement letters for your signature, and scans creditor replies. You can see potential savings before committing to any payment.
✓Debt eligibility check
✓Credit analysis
✓Automated letter drafting
✓Document scanning
✓Payment plan negotiation
✓Soft credit pull
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What's New in Felix Debt Negotiation
1.0.2
October 4, 2026
• Before your credit check, Felix now asks your permission to process your case with Google's Gemini AI, and confirms you're 18 or older. • You can rate Felix from inside the app. • Fixes and improvements.
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FAQ
How does Felix help with debt negotiation?
Felix analyzes your debts, drafts settlement letters for your signature, and scans creditor replies. It helps you negotiate credit card debt, medical bills, and collections for less.
Does Felix charge a cut of my debt?
No, Felix never takes a cut of your debt. It operates on a subscription model, with a base plan for three accounts and a small monthly add-on for each additional account.
Can I see my potential savings before paying for Felix?
Yes, you can see your debts and what they could potentially drop to before you pay anything. You can cancel your subscription at any time.
Is Felix safe to use with my financial information?
Felix uses a soft pull for credit checks, meaning there is no hit to your credit score. The app also offers Face ID or fingerprint lock for added security.
Does Felix provide legal advice or credit repair?
Felix does not provide legal advice or repair credit. It is a tool to help you negotiate your debts directly with creditors.
How often is Felix updated?
The latest version of Felix is 1.0.2, which was last updated on October 4, 2026. Updates ensure the app remains reliable and functional.
What devices does Felix support?
Felix is currently supported on iPhones. The app is designed for adults aged 17 and over.
Does Felix use AI in its letter drafting?
Yes, with your permission, Felix uses Google's Gemini AI to read uploaded documents and draft your letters. Google is restricted from using your data to train its AI.
