Relief

Some frequently asked questions about debt settlement

Debt Relief Overview

What is Debt Relief? A Simple Guide

What is debt settlement?

Is debt settlement right for me?

Debt relief can feel like a big step—and it’s normal to wonder how it will impact your credit.

How Does Debt Relief Affect My Credit Score?

Information on the impact to your credit score.

Will my credit score be affected?

Review the risks associated with using Relief.

What are the downsides of paying less than the full balance?

Here’s a guide to help you understand what to expect and how to determine if debt settlement aligns with your financial goals.

What to Expect When Considering Debt Settlement

Here’s what you can expect as you begin making payments on your settled debt.

What to Expect When Paying Off a Settled Debt

Let’s explore what you can expect after settling your debt and how to manage this new chapter in your financial life effectively.

What to Expect After a Debt Settlement: A Comprehensive Guide

Want to learn more about debt settlement? These articles will help!

General Questions

Find details about your estimated savings — all in the app!

Where can I see my estimated savings?

Understand the timeline for hearing back from your creditors.

How long does it take for a creditor to respond to my reduction requests?

Will my account be closed if I submit a request?

How Long Are Term Lengths for Debt Repayment?

Can I withdraw my submission?

Information on your reduction request's expiration date.

Does my reduction request expire?

What happens when a payment plan is declined in Relief?

Everything you need to know about requesting a reduction from start to finish.

Requesting Reductions

The copy of your agreement letter will give you the details of your payment due dates, payment methods, and your creditor’s contact info.

How do payments work for balance reductions?

Changing the terms of your accepted reduction and agreement letter

Can I change the terms in my agreement letter?

Once a request is accepted by a creditor, you can no longer make any changes.

Can I cancel my plan with my collector?

Consequences of missing a payment while on a payment plan.

What happens if I miss a payment?

Learn when you'll be notified of resolved debts.

When will I be notified that my debt has been resolved?

Get a clear picture of the timeline for resolving your debts.

How long will it take to resolve my debt?

Where can I find my Agreement Letter?

Already started a payment plan? Find info about it here.

Managing your Agreements

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