Reduce Credit Card Debt with Relief

Cut past-due debt up to 50%

WorkMoney members save an additional 25% when reducing debt through Relief.

For people in collections, Relief quiets collector contact, flags illegal collection tactics (which can mean money owed to you, in some cases), and helps you settle eligible accounts—often for up to 50% less. When you're ready, WorkMoney members get a limited trial with code WORK7.

Special deal: Limited trial for WorkMoney members with code WORK7.
Total support: From cease & desist letters and collector-violation monitoring to lawsuit response and settlement support
Super simple: The Relief app makes getting started fast and hassle-free.

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Frequently asked questions

How does Relief work?

Relief is an app for people in collections. It sends cease & desist letters to quiet collector contact, monitors your accounts for illegal collection tactics, and, when you're ready, requests settlement offers from your creditors so you can resolve eligible accounts for less than the full balance with manageable monthly payments.

How much does Relief cost?

Relief is a monthly membership— one price that covers everything the app does, with no percentage of what you settle. WorkMoney members get a limited trial with code WORK7.

How much can I reduce?

Results vary by account and creditor, but eligible accounts are often settled for less than the full balance — sometimes up to 50%. And when a collector breaks the law, that violation becomes leverage: in some cases it can mean money owed to you, or the entire account settled in full. Because Relief charges a flat monthly membership instead of a percentage, whatever you settle stays yours.

Do I need to call my creditors?

No. The app does the work — sending cease & desist letters, tracking collector violations, and requesting settlement offers — so you're not the one on the phone with collectors.

How long does the process take?

Getting started takes just a few minutes. Cease & desist letters can be sent in seconds, are typically delivered within a few days, and may help reduce collector contact within 30 to 60 days.

When you're ready to move forward with a balance reduction request, the app submits it directly to your creditor. Review periods can take up to 60 days. If an offer is approved and you choose to accept it, you can pay over time and track progress directly in the app.

Timelines vary by account and creditor.

Is Relief right for me?

If you're behind on what you owe and want a simple, low-stress way to silence collectors, catch illegal tactics, and resolve debt on your terms, Relief could be a good fit.