# Relief Help Center

> Relief Help Center

## About Relief

- [How does Relief work?](https://help.relief.app/en/articles/6827671-how-does-relief-work.md): How Relief works to help you with your debt.
- [Who is eligible to use Relief's App?](https://help.relief.app/en/articles/6901241-who-is-eligible-to-use-relief-s-app.md): Understand eligibility requirements before you sign up.
- [Is Relief secure?](https://help.relief.app/en/articles/6827637-is-relief-secure.md): How we keep your account secure.
- [What kinds of debt does Relief help with?](https://help.relief.app/en/articles/6931783-what-kinds-of-debt-does-relief-help-with.md): Information on the type of debt we can help you save on.
- [Is Relief a debt settlement company?](https://help.relief.app/en/articles/6827607-is-relief-a-debt-settlement-company.md): How Relief differs from a traditional debt settlement company.

## Account & Profile

- [Do you offer joint accounts?](https://help.relief.app/en/articles/6827597-do-you-offer-joint-accounts.md): Paying off your debt with a significant other.
- [How do I update my contact information?](https://help.relief.app/en/articles/6931833-how-do-i-update-my-contact-information.md): Updating your contact information in the app.
- [How do I contact support?](https://help.relief.app/en/articles/6931832-how-do-i-contact-support.md): How to contact us with any questions or feedback.
- [How do I access my agreement letters?](https://help.relief.app/en/articles/8896050-how-do-i-access-my-agreement-letters.md): View your agreement letters, effortlessly accessible – right within the app!
- [Can I Close My Account?](https://help.relief.app/en/articles/10270610-can-i-close-my-account.md)
- [I’m not getting my verification code. What should I do?](https://help.relief.app/en/articles/12003038-i-m-not-getting-my-verification-code-what-should-i-do.md)
- [Can I Get a Refund?](https://help.relief.app/en/articles/10270239-can-i-get-a-refund.md)
- [Digital Wallet Refunds](https://help.relief.app/en/articles/11024589-digital-wallet-refunds.md): Why does my refund receipt show a different card number?
- [How will you use my data?](https://help.relief.app/en/articles/6932603-how-will-you-use-my-data.md): How Relief handles your data.
- [How do I reset my phone number?](https://help.relief.app/en/articles/6817977-how-do-i-reset-my-phone-number.md): Instructions on changing your phone number in the app.

## Getting Started

- [Why do you need to provide my SSN?](https://help.relief.app/en/articles/8149040-why-do-you-need-to-provide-my-ssn.md): Understand why we request your SSN when signing up.
- [What should I do if my information is incorrect?](https://help.relief.app/en/articles/8149044-what-should-i-do-if-my-information-is-incorrect.md): Steps to take when your debt information is incorrect.
- [How do you determine which accounts are eligible?](https://help.relief.app/en/articles/8892289-how-do-you-determine-which-accounts-are-eligible.md): Determining which debts are shown as eligible
- [What Does "Good Standing" Mean?](https://help.relief.app/en/articles/10477194-what-does-good-standing-mean.md): When your account is marked as "in good standing," it means you’ve met the terms of your agreement with the creditor.
- [Can you recheck my eligible accounts?](https://help.relief.app/en/articles/10270637-can-you-recheck-my-eligible-accounts.md)
- [How do I resync my debt?](https://help.relief.app/en/articles/10629714-how-do-i-resync-my-debt.md): Resyncing your debt after initial setup
- [Why are my debts or eligible accounts not visible in the Relief app?](https://help.relief.app/en/articles/12003266-why-are-my-debts-or-eligible-accounts-not-visible-in-the-relief-app.md)

## Debt Relief Overview

- [What is Debt Relief? A Simple Guide](https://help.relief.app/en/articles/10297146-what-is-debt-relief-a-simple-guide.md)
- [What is debt settlement?](https://help.relief.app/en/articles/10270806-what-is-debt-settlement.md)
- [Is debt settlement right for me?](https://help.relief.app/en/articles/10270816-is-debt-settlement-right-for-me.md)
- [How Does Debt Relief Affect My Credit Score?](https://help.relief.app/en/articles/10966593-how-does-debt-relief-affect-my-credit-score.md): Debt relief can feel like a big step—and it’s normal to wonder how it will impact your credit.
- [Will my credit score be affected?](https://help.relief.app/en/articles/7020191-will-my-credit-score-be-affected.md): Information on the impact to your credit score.
- [What are the downsides of paying less than the full balance?](https://help.relief.app/en/articles/6827659-what-are-the-downsides-of-paying-less-than-the-full-balance.md): Review the risks associated with using Relief.
- [What to Expect When Considering Debt Settlement](https://help.relief.app/en/articles/10269813-what-to-expect-when-considering-debt-settlement.md): 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 Paying Off a Settled Debt](https://help.relief.app/en/articles/10269819-what-to-expect-when-paying-off-a-settled-debt.md): Here’s what you can expect as you begin making payments on your settled debt.
- [What to Expect After a Debt Settlement: A Comprehensive Guide](https://help.relief.app/en/articles/10269824-what-to-expect-after-a-debt-settlement-a-comprehensive-guide.md): Let’s explore what you can expect after settling your debt and how to manage this new chapter in your financial life effectively.
- [Where can I see my estimated savings?](https://help.relief.app/en/articles/8892513-where-can-i-see-my-estimated-savings.md): Find details about your estimated savings — all in the app!
- [How long does it take for a creditor to respond to my reduction requests?](https://help.relief.app/en/articles/8892504-how-long-does-it-take-for-a-creditor-to-respond-to-my-reduction-requests.md): Understand the timeline for hearing back from your creditors.
- [Will my account be closed if I submit a request?](https://help.relief.app/en/articles/10270115-will-my-account-be-closed-if-i-submit-a-request.md)
- [How Long Are Term Lengths for Debt Repayment?](https://help.relief.app/en/articles/10270413-how-long-are-term-lengths-for-debt-repayment.md)
- [Can I withdraw my submission?](https://help.relief.app/en/articles/8893192-can-i-withdraw-my-submission.md)
- [Does my reduction request expire?](https://help.relief.app/en/articles/8441517-does-my-reduction-request-expire.md): Information on your reduction request's expiration date.
- [What happens when a payment plan is declined in Relief?](https://help.relief.app/en/articles/12003290-what-happens-when-a-payment-plan-is-declined-in-relief.md)
- [How do payments work for balance reductions?](https://help.relief.app/en/articles/6932497-how-do-payments-work-for-balance-reductions.md): The copy of your agreement letter will give you the details of your payment due dates, payment methods, and your creditor’s contact info.
- [Can I change the terms in my agreement letter?](https://help.relief.app/en/articles/6932509-can-i-change-the-terms-in-my-agreement-letter.md): Changing the terms of your accepted reduction and agreement letter
- [Can I cancel my plan with my collector?](https://help.relief.app/en/articles/9741321-can-i-cancel-my-plan-with-my-collector.md): Once a request is accepted by a creditor, you can no longer make any changes.
- [What happens if I miss a payment?](https://help.relief.app/en/articles/6932518-what-happens-if-i-miss-a-payment.md): Consequences of missing a payment while on a payment plan.
- [When will I be notified that my debt has been resolved?](https://help.relief.app/en/articles/8893111-when-will-i-be-notified-that-my-debt-has-been-resolved.md): Learn when you'll be notified of resolved debts.
- [How long will it take to resolve my debt?](https://help.relief.app/en/articles/6827576-how-long-will-it-take-to-resolve-my-debt.md): Get a clear picture of the timeline for resolving your debts.
- [Where can I find my Agreement Letter?](https://help.relief.app/en/articles/11642923-where-can-i-find-my-agreement-letter.md)

## Tax Implications & Resources

- [The Tax Implications of Debt Relief](https://help.relief.app/en/articles/10297278-the-tax-implications-of-debt-relief.md)
- [Tax Prep Checklist](https://help.relief.app/en/articles/10706562-tax-prep-checklist.md): This checklist is designed to help you gather the necessary documents, maximize deductions, and ensure a stress-free filing process.
- [Reporting Settled Debt on Your Taxes](https://help.relief.app/en/articles/10706527-reporting-settled-debt-on-your-taxes.md): This guide provides a detailed breakdown of the process, potential exceptions, and essential record-keeping practices.
- [Tax Season Tips for Those Paying Off Debt](https://help.relief.app/en/articles/10706534-tax-season-tips-for-those-paying-off-debt.md): Here are a few tips to help you make the most of your tax refund.
- [What to Do If You Receive a 1099-C?](https://help.relief.app/en/articles/10706540-what-to-do-if-you-receive-a-1099-c.md): When you receive a 1099-C, you need to report it to the IRS on your tax return.
- [Can You Avoid Taxes on Forgiven Debt?](https://help.relief.app/en/articles/10706555-can-you-avoid-taxes-on-forgiven-debt.md): In some cases, you may be able to avoid taxes on forgiven debt. This is generally true if you are insolvent or if the debt is discharged as part of a bankruptcy proceeding.
- [Understanding IRS Form 982: Reducing Your Taxable Debt](https://help.relief.app/en/articles/10706548-understanding-irs-form-982-reducing-your-taxable-debt.md): IRS Form 982 is used to reduce taxable income from canceled debt if you qualify for an exemption.

## Need More Help?

- [Contact us](https://help.relief.app/en/articles/15888804-contact-us.md): Here's how to contact us with any questions or feedback.