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Relief: Get out of debt

Relief: Get out of debt

Reduce your credit card debt

1.8K ratings
164 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • September 6, 2023
  • July 9, 2026

Features

Developer

Relief Technologies incorporated
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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
Show original description

What users say

Summarized from real user reviews of Relief. Based on 1.8K 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

What's New in Relief

9.0.2

July 9, 2026

Bug fixes and stability improvements.

User reviews

Most RecentHighest RatedLowest Rated

Stay away

Scam
AlaaiedanAlaaiedan

Scam

Scam
IriedoutIriedout

Lot of crashes

App keeps crashing every time I use it
Love codeLove code

Misleading Advertising

The advertisement gives the impression that it can assist with lowering debts owed. This only applies if you are behind on payments. If you are not then it gives you the option to get a quote from National Debt Relief which is a very predatory company with high fees and absolutely demolishing your credit score. It’s worth missing unfortunately.
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PiaHowPiaHow

Garbage

Took my money and the app keeps crashing. I better get a refund.
Jayyy8459Jayyy8459
See 159 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.