# Felix Debt Negotiation — Negotiate your debts for less

> Negotiate credit card debt, medical bills, and collections for less. (iPhone/iPad app by Felix Financial Services, LLC..)

- Source: https://appshunter.io/ios/app/felix-debt-negotiation/id6807670184 (this page in markdown: same URL + `.md`)
- Developer: [Felix Financial Services, LLC.](https://appshunter.io/developer/6807670186)
- Category: Finance
- Price: Free
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 17+
- Requires: iOS 16.4 · 41 MB
- Languages: American English
- Released: 2026-09-22
- Data updated: 2026-10-11
- Monetization: subscription
- User reviews in markdown: https://appshunter.io/ios/app/felix-debt-negotiation/id6807670184/reviews.md

## What is Felix Debt Negotiation?

Felix helps you negotiate credit card debt, medical bills, and collections for less.

CHECK YOUR ELIGIBILITY
Takes two minutes. No documents. No phone call. Felix shows you which debts can be worked on and what they could drop to. It is a soft pull, so there is no hit to your credit score.

FELIX WRITES YOUR LETTERS
Every settlement letter is drafted for your signature, in your own name. You read it, you sign it on your phone, and it is printed and mailed from your own address. No letter goes out without your OK.

OFFERS COME STRAIGHT TO YOU
Photograph a creditor's reply with the built in scanner. Felix files it against the right account and explains what it means. If you decide to accept an offer, you sign one last letter to confirm it.

WHAT YOU GET
• Free credit check, soft pull, no score impact
• Credit analysis and account review
• Every letter drafted for your signature
• Real letters printed and mailed to creditors
• A document scanner built for creditor mail
• Payment plans negotiated when that works better
• Face ID or fingerprint lock on the app

PRICING
Never a cut of your debt. Felix is a subscription: the base plan covers your first three accounts, and each account beyond that is a small monthly add on. See your debts and what they could drop to before you pay anything. Cancel any time.

HOW FELIX WORKS
Felix is a tool you use yourself. Every letter carries your own signature because you are the one making the offer. With your permission, Felix uses Google's Gemini AI to read the documents you upload and draft your letters; Google may not use your data to train its AI. Felix is for adults 18 and over. Felix does not provide legal advice, does not repair credit, and cannot guarantee that a creditor will accept any offer.

Questions? support@meetfelix.app

## Key features

- Debt eligibility check
- Credit analysis
- Automated letter drafting
- Document scanning
- Payment plan negotiation
- Soft credit pull

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/felix-debt-negotiation/id6807670184/reviews.md

### 5/5 — Easy and straightforward

*2026-09-26*

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.

## Frequently asked questions about Felix Debt Negotiation

### 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.

## Version history (last 2 releases)

### 1.0.2 — 2026-10-04

• 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.

### 1.0 — 2026-09-22

No release notes.

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*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 2026-10-11.*