# Relief: Get out of debt — Reduce your credit card debt > Negotiate with creditors to reduce debt balances and stop collection calls. (iPhone/iPad app by Relief Technologies incorporated.) - Source: https://appshunter.io/ios/app/relief-get-out-of-debt/id6450720364 (this page in markdown: same URL + `.md`) - Developer: [Relief Technologies incorporated](https://appshunter.io/developer/1669089880) - Category: Finance - Price: Free - Rating: 4.60/5 from 2,484 App Store ratings · 192 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 92 MB - Languages: American English - Released: 2023-09-06 - Data updated: 2026-09-01 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/relief-get-out-of-debt/id6450720364/reviews.md ## What is Relief? Relief is for people dealing with debt collectors — not just debt. Credit cards, personal loans, and some medical debt. If collectors are calling, sending letters, or threatening action, this is the app for that moment. SILENCE THE CALLS Relief drafts and delivers cease & desist letters to your collectors. Under the FDCPA, collectors may be required to stop certain communications after receiving your request. No confrontation. Just your rights in action. CATCH COLLECTOR VIOLATIONS Collector contacts may matter. Log calls, texts, and letters in the app and Relief helps identify potential FDCPA violations that may strengthen your position. RESPOND TO LAWSUITS Served with a debt collection lawsuit? Relief helps you understand response options, filing deadlines, and next steps so you're not caught off guard. ASK THE AI DEBT ADVISOR Not sure what to do next? Ask Relief’s AI Debt Advisor questions about collections, settlement offers, lawsuits, collector communication, and debt options. Get guidance based on your situation before moving forward. SETTLE WHEN YOU'RE READY When you're ready to resolve, Relief helps you understand available options and request savings on your terms. HOW IT WORKS 1. Add your debt accounts and start monitoring 2. Cease & desist letters are drafted and delivered 3. Log collector contacts and track potential violations 4. Explore your available resolution options YOUR MEMBERSHIP One flat monthly membership. Support starts from day one. FAQ What is the FDCPA? The Fair Debt Collection Practices Act is a federal law that limits how debt collectors can communicate and collect. Relief is designed to help users understand and act on those protections. Will this affect my credit score? Relief uses a soft pull only. No credit impact to get started.* Who is Relief for? People dealing with unsecured debt in collections (90+ days overdue). Eligibility requirements apply. KEY FEATURES • Cease & desist letter generation and delivery • Collector contact logging and monitoring • FDCPA education and violation tracking • Lawsuit response guidance • AI Debt Advisor • Debt reduction support • Secure member dashboard • Welcome call with rights overview DISCLOSURES Relief is not a law firm and does not provide legal, financial, tax, or credit advice. The AI Debt Advisor provides informational guidance only and may not reflect all available options. Cease & desist requests and collector protections depend on applicable law and may not stop all communications. Potential collector violations identified in the app do not guarantee compensation or legal outcomes. Debt reduction estimates are not guaranteed. Results vary by creditor, account status, eligibility, and user circumstances. Creditor review may take up to 60 days or longer. Soft credit checks do not impact your credit score. If you enter into and complete an agreed debt reduction arrangement, creditors may report the account as settled for less than the full balance. ## Key features - Debt eligibility analysis - Reduction request submission - Stop collection calls - Legal support - Real-time updates - Improve financial health ## Chart rankings - #163 in Top Free · Finance (US App Store) ## What do users think of Relief? Overall sentiment: positive **Pros** - 🚀 Fast and efficient - 💰 Significant debt reduction - 👍 Easy to use - 🙏 Helpful customer service **Cons** - 🐛 Login and app issues - ❌ Doesn't work with all creditors - 💰 Expensive fees - 🕰️ Slow response times **Commonly reported bugs** - Login screen freezes - App crashes and freezes - Verification issues **Most requested features** - Flexible payment plans - Expanded creditor network - Improved communication and updates ## Recent user reviews (10 of 192) All indexed reviews: https://appshunter.io/ios/app/relief-get-out-of-debt/id6450720364/reviews.md ### 5/5 — Worth it *2026-08-19, version 9.0.4* This app is absolutely worth the subscription and the results. They saved me thousands I would have been paying if I had gone at this alone. Relief for the win! ### 5/5 — Not bad *2026-08-18, version 9.0.4* For 20$ To have maybe one or two negative items negotiated down and save 200-300$ and help your credit score is a bargain. ### 5/5 — My experience! *2026-08-17, version 9.0.4* I was honestly a little skeptical about trying this, but I’m so glad I did! I had a debt that I needed help with, so I decided to give Relief a shot. I paid the fee, and just a few days later I got the message that my balance had been reduced by 50%! 🙌🏾 That was a huge relief and made the fee completely worth it. The only downside is that I still had to work out payment arrangements with the collections agency, but overall I’m extremely happy with the results. I’ll definitely be using Relief again for my other debts. 5 stars! ⭐️⭐️⭐️⭐️⭐️ ### 5/5 — HHA *2026-08-17, version 9.0.4* Great fully understand ### 5/5 — Loan nat debit relief *2026-08-15, version 9.0.4* Looking forward 😊 ### 2/5 — Good in theory… bad in execution *2026-08-14, version 9.0.4* Problem is the creditors seem to have to be enrolled in some type of program with the Relief app to even be eligible . They don’t tell you this until after you subscribe. Had over 20 accounts that in theory should be eligible for negotiations but since the creditors aren’t partnered with Relief - they aren’t eligible in app. Assistance for 1/20 creditors - mostly big names is a terrible “Relief” rate when you are charging a premium of $20/ month. Perhaps down the road when more creditors are onboard this app will be worth the money. Until then , it just isn’t. ### 5/5 — Me *2026-08-14, version 9.0.4* Good program ### 1/5 — Don’t download *2026-08-12, version 9.0.3* Does not do what it say it will do. Asks for a $20 subscription for nothing. It sends some letters to the credit card companies and then says your debt is ineligible to be lowered. Garbage! Oh btw the page that requests your money back doesn’t work. Imagine that ### 5/5 — Jj *2026-08-11, version 9.0.3* Ijjanun ### 5/5 — Awesome *2026-08-09, version 9.0.2* Awesome ## Frequently asked questions about Relief ### 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. ## Version history (last 5 releases) ### 9.0.4 — 2026-08-13 Bug fixes and stability improvements. ### 9.0.3 — 2026-08-10 Bug fixes and stability improvements. ### 9.0.2 — 2026-07-09 Bug fixes and stability improvements. ### 9.0.1 — 2026-07-08 Bug fixes and stability improvements. ### 9.0.0 — 2026-06-18 Bug fixes and stability improvements. ## Apps similar to Relief | App | Rating | Price | Category | | --- | --- | --- | --- | | [Debbie - Payoff, Save, Earn](https://appshunter.io/ios/app/debbie-payoff-save-earn/id1603676425) | 4.9 (12,420) | Free | Finance | | [Freedom Debt Relief](https://appshunter.io/ios/app/freedom-debt-relief/id6576817794) | 4.9 (19,668) | Free | Finance | | [Kovo - Fast Credit Builder](https://appshunter.io/ios/app/kovo-fast-credit-builder/id6480379937) | 4.9 (11,306) | Free | Finance | | [CreditU](https://appshunter.io/ios/app/creditu/id1663259146) | 4.9 (990) | Free | Finance | | [Ava: Build Credit Fast](https://appshunter.io/ios/app/ava-build-credit-fast/id1584183782) | 4.9 (49,756) | Free | Finance | | [IdentityProtect.com](https://appshunter.io/ios/app/identityprotectcom/id6478011407) | 4.6 (109) | Free | Finance | ## Related topics [payment plan debt](https://appshunter.io/ios/topics/payment-plan-debt) · [relief](https://appshunter.io/ios/topics/relief) · [collections debt](https://appshunter.io/ios/topics/collections-debt) · [debt relief](https://appshunter.io/ios/topics/debt-relief) · [settlement debt](https://appshunter.io/ios/topics/settlement-debt) · [debt relief karma](https://appshunter.io/ios/topics/debt-relief-karma) · [resync resolution](https://appshunter.io/ios/topics/resync-resolution) · [debt relief india](https://appshunter.io/ios/topics/debt-relief-india) · [debt relief app](https://appshunter.io/ios/topics/debt-relief-app) · [list of debtors](https://appshunter.io/ios/topics/list-of-debtors) · [freedom debt relief app](https://appshunter.io/ios/topics/freedom-debt-relief-app) · [freedom debt relief](https://appshunter.io/ios/topics/freedom-debt-relief) · [debt control](https://appshunter.io/ios/topics/debt-control) · [rezolv field app](https://appshunter.io/ios/topics/rezolv-field-app) · [credit card debt manage](https://appshunter.io/ios/topics/credit-card-debt-manage) · [get owed](https://appshunter.io/ios/topics/get-owed) · [ditch debt](https://appshunter.io/ios/topics/ditch-debt) · [settlement collector](https://appshunter.io/ios/topics/settlement-collector) · [debt](https://appshunter.io/ios/topics/debt) · [debt consolidation](https://appshunter.io/ios/topics/debt-consolidation) --- *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 2026-09-01.*