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Relief: Get out of debt

Relief: Get out of debt

Reduce your credit card debt

2.3K ratings
175 reviews
#202 in free Finance
💰 Finance
Free

Details

  • Released
  • Updated
  • September 6, 2023
  • August 10, 2026

Features

Developer

Relief Technologies incorporated
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📉no. 202
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❓5 answered
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About

This app helps users reduce their credit card debt by negotiating with creditors and stopping collection harassment. It aims to settle debts for less, potentially reducing balances by up to 60%, and offers legal support throughout the process.

✓Debt eligibility analysis
✓Reduction request submission
✓Stop collection calls
✓Legal support
✓Real-time updates
✓Improve financial health
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What users say

Summarized from real user reviews of Relief. Based on 2.3K reviews and a 4.6/5 average, it highlights the 4 positives and 4 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Fast and efficient
  • 💰Significant debt reduction
  • 👍Easy to use
  • 🙏Helpful customer service

Negative things

  • 🐛Login and app issues
  • ❌Doesn't work with all creditors
  • 💰Expensive fees
  • 🕰️Slow response times
See all reviews
+1

What's New in Relief

9.0.3

August 10, 2026

Bug fixes and stability improvements.

Charts

Top Free

📉 202-16

Finance

This app dropped -16 positions in Finance chart.

Last updated on August 11, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Does not help

This does nothing other than try to force you to pay for something you’re not even sure if you need. It will not even show you if you have anything in collections for you pay them for at least one week? Now that’s weak, save your hard earned money, use credit karma to identify your collectors, make disputes and make contact to negotiate your debt and end the harassment on something that doesn’t belong to them in the first place.
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Shannon Howard2007Shannon Howard2007

DOWNLOAD IT

They saved me thousands on one of my debts!! I had a capital one debt I’ve been working on for what seems like forever. They negotiated over 50% and payments that I can afford!
Nicknack012894Nicknack012894

Watch your wallet

This app is supposed to be about debt relief. I chose the $6.99 weekly subscription and to my surprise was charged that $6.99 3 times in 1 week. Not once did I ever get a welcome call that was scheduled 5 days ago. I cannot get in touch with anyone to help me get my money back either.
Awis_mommyAwis_mommy

FEELS LIKE A SCAM

After WEEKS of paying for their subscription, they came back and said THEY no longer work with my creditor! I got scammed out of weeks of money for a useless subscription!
calebcanicecalebcanice

Scam

Don’t download app it ask you for a personal information and then it gives you a error message
Johnc1525Johnc1525
See 170 more reviews

User experience

🐞

Reported Bugs

3 issues

Login screen freezes

Bug

App crashes and freezes

Bug

Verification issues

Bug
✨

Requested Features

3 requests

Flexible payment plans

Feature

Expanded creditor network

Feature

Improved communication and updates

Feature

FAQ

Will using Relief hurt my credit score?

No, using Relief does not negatively impact your credit score. The app uses a soft pull for debt analysis, which doesn't affect your score. Credit score changes are typically related to unpaid debt, not the use of this service. Once a reduction agreement is resolved, accounts will update to reflect a settled balance.

How secure is Relief to use?

Relief is designed to be secure. It does not require sensitive credentials for sign-up and utilizes bank-level security measures, including private and encrypted practices, to handle your data safely.

How long until my creditor responds to a reduction request?

Creditors may take up to 60 days to review your reduction request and provide a decision. Once a balance reduction is granted, they will share repayment terms in an agreement letter that you can review and download within the app.

What do the debt reduction agreement terms look like?

The terms of each reduction agreement are unique. Some debts might be paid off within a few months, while others could take longer depending on the specific agreement. After your final payment is made, your creditor will issue a letter confirming that the debt is fully paid.

Who is eligible to use Relief?

The self-service tool is designed for users with $25,000 or less in unsecured debt that is 90+ days past due, such as credit cards or personal loans. Other types of debt may still qualify for additional tools or partner services available through the app.