# Reclaim Money — Debt Negotiator

> Debt Negotiator (iPhone/iPad app by Amadi Leaks.)

- Source: https://appshunter.io/ios/app/reclaim-money/id6792976890 (this page in markdown: same URL + `.md`)
- Developer: [Amadi Leaks](https://appshunter.io/developer/6792976892)
- Category: Finance, Productivity
- Price: Free
- Age rating: 17+
- Requires: iOS 15.1 · 25 MB
- Languages: American English
- Released: 2026-09-08
- Data updated: 2026-10-04

## What is Reclaim Money?

Banks have a script for every conversation about your money. Now you have one too.
Reclaim Money writes the exact words for your next call to your credit card issuer - built from your actual card details, by an AI coach trained on what works.

HOW IT WORKS
1. Add your card. Issuer, APR, balance, payment history. We never ask for your card number.
2. Pick your goal. Lower APR, waive an annual fee, reverse a late fee, settle for less, or unlock a retention offer.
3. Generate your script. Opener, talking points, rebuttals to common objections, escalation path, and what to confirm before you hang up — all built around your specific situation.
4. Make the call. Log the outcome. Watch your savings compound.

WHAT YOU CAN NEGOTIATE
• Lower APR — typically 2 to 6 points off your rate, sometimes more
• Waive your annual fee — full waiver, partial credit, or bonus points
• Reverse a recent late fee — first-time waivers are almost automatic
• Get a retention offer — bonuses, credits, or rate cuts before you close the card
• Settle a balance — pay less than you owe (with our coach's warnings about credit impact)

WHY THIS MATTERS
Every dollar you don't owe in interest is a dollar that compounds for you instead of against you. Eliminating bad debt is the foundation of generational wealth — and most of it is negotiable if you know what to ask for.

PRIVACY
Your card details stay on your phone. We never see them, store them, or share them. We don't ask for your card number, your Social Security number, or access to your accounts.

DISCLAIMER
Reclaim Money provides educational coaching, not legal or financial advice. Outcomes depend on the issuer, your account history, and individual circumstances. Negotiating credit terms is legal and common — millions of customers do it every year.

## Is Reclaim Money safe?

Not enough ratings yet to assess Reclaim Money.

## Is Reclaim Money legit?

Reclaim Money has limited verification signals. The AppsHunter Legitimacy Score for Reclaim Money is 50 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 2 releases)

### 1.0.1 — 2026-09-09

Progress hints during script generation — you now see what the AI is doing at each step (drafting your opener, preparing rebuttals, etc.) instead of a blank spinner. Same fast, personalized scripts — just less mystery about the wait.

### 1.0 — 2026-09-08

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 2026-10-04.*