Who Owes Me vs DebtFlow

Never forget who you borrowed money or who you owe money. Who Owes Me - Debt Manager is a simple App to remember debts or split expenses between friends. You can mark debts as paid and always have an overview of money you lent to friends. You can also use your contacts to quickly add new debts. Easy to use interface to quickly manage debts. Features - Remember debts/IOUs - Split expenses (e.g. on holidays or for birthday presents) - Cloud Sync between multiple devices - Touch/Face ID - Multiple folders - Notifications - Use contacts for faster inputs - Over 155 Currencies - Part payments - Mark as paid - Export data - Generate PDFs - Remind people via SMS/WhatsApp/E-Mail - Recurring entries All pro features, unlimited entries and Cloud Sync between multiple iOS devices can be used after a one time payment or an active auto-renewal subscription. This three in app purchases can be bought in the app. Subscription informations - You can choose between a monthly and a yearly auto-renewal subscription. - Subscriptions include all pro features, unlimited entries and Cloud Sync between multiple iOS devices. - The subscription will renew automatically 24 hours before the end of the current period. - The subscription price depends on the subscription period you choose. - You can manage your subscription and turn off auto-renewal in your iTunes Account Settings. Free trial - Yearly subscription includes a free trial period. - You will not be charged until your trial has ended. - Your iTunes Account will only be charged once your purchase is confirmed. - Any unused portion of the free trial period will be forfeited after purchase. Terms of Service: https://whoowesme.app/tos.pdf

DebtFlow is debt management for freelancers, small businesses, landlords, collection agencies and law firms. Keep track of unpaid invoices, send payment reminders automatically and document every step, from the first reminder to enforcement. DebtFlow follows the German dunning and enforcement process (court payment order, enforceable title, attachment). DEBTORS AND DEBTS • Add debtors with addresses, email addresses and phone numbers • Record debts with amount, due date and description • Assign costs such as reminder fees or court fees • Upload receipts and documents with the camera or from your files AUTOMATIC PAYMENT REMINDERS • Have reminder levels sent automatically by email • Payment reminders by post as well: Briefdiener prints the letter, puts it in an envelope and posts it (German addresses) • Preview before sending, sent letters in the history of each debt INSTALMENT PLANS • Set up instalment agreements • Record instalments as they come in; the remaining amount is always up to date • Reminders for upcoming instalments COURT AND ENFORCEMENT • Every debt moves through clear phases: new, reminder levels, instalment plan, court dunning procedure, title, enforcement • Sub-phases such as court payment order, objection, bank account attachment or wage attachment • A complete history of phase changes, payments and letters OVERVIEW AND NOTIFICATIONS • Home screen with open amounts, overdue debts and upcoming instalments • Record interest as costs; interest calculator for default interest in the web app • Weekly report by email • Push notifications for incoming payments, instalments due and status changes LANGUAGE The app is available in English and German and follows your device language. You can change it in the app under More → Language. GETTING STARTED You need a DebtFlow account to use the app. New accounts are reviewed and activated after registration. The app and the web app at www.debt-flow.io use the same data. DebtFlow does not replace legal advice. Privacy: https://www.debt-flow.io/privacy Support: https://www.debt-flow.io