Steven Y.Credit cards · 11 months
Case receipt
Enrolled balance$14,200
Forgiven−$8,520
Settled for−60%
$5,680
Settled
We negotiateyour debt.
We talk to your creditors for you.
They agree to take less. You pay less, at once or on a payment plan.
You say yes or no to everything. Nothing happens without you.
Free to check. No hit to your credit score.
- You sign every letterNothing sent without you
- No credit score hitChecking is free and soft
- One flat priceNever a % of your debt
- Cancel anytimeNo lock-in
We work with the banks, card companies, and collectors you already deal with.
WHAT FELIX DOES
How Felix works
Three steps.
Check. Sign. Settle.
We do the work. You approve every step. Here is how it goes.
Most cases take 6 to 12 months
- Step One
Check your eligibility
Takes two minutes. No documents. No phone call. We show you which debts we can work on and what they could drop to.
- Step Two
We write your letters
We write every letter for you. You sign it before it goes out. Offers come straight to you.
- Step Three
Settle and move on
Say yes to the offer, sign one last letter, and the balance drops.
What we negotiate
We settle six kinds of debt.
About half of it, gone.
52%saved
of the enrolled balance, on average, across completed cases.
- Credit cards40–60%
- Personal loans50–70%
- Medical20–40%
- Collections30–50%
- BNPLVaries
- Charge-offs30–50%
- Something else?Other unsecured debt can qualify.
$0
Check
Seeing what you qualify for is free.
6–12
Months
How long most cases take.
100%
Signed by you
No letter goes out without your OK.
Also included
Can’t pay it all at once?
Get a monthly payment plan.
Felix asks your creditor to split your settlement into monthly payments. You pay the creditor directly — Felix never touches your money.
Payment plans
Same deal, split into months.
One big payment is hard. So we ask the creditor to take monthly payments instead. Here’s how that looks:
Example: you owed Capital One $7,200. They agreed to take $3,600 — half off. That becomes a payment plan of $300 a month for 12 months. Nothing extra is added.
You approve it first
Nothing starts until you sign.
You get the plan in writing: the amount, the months, the start date. You read it and sign it yourself. Then you pay the creditor directly, month by month.
Included in every planNo extra fees
Plan terms
Sign to approve
Maria G.Plan approved
Pricing
$20.75 a month, flat.
Never a cut of your debt.
Checking is free. Many debt settlement companies take a cut of your debt. Felix never does — you pay one flat price.
Test drive for free
See your debts and what they could drop to — before you pay anything.
Felix membership — flat rate
$20.75/mo
billed yearly — $249/yrSAVE 28%
Free to check · One flat price · Cancel anytime
Check your eligibilityYour exact price is shown at checkout before you pay.
Every plan includes
Credit analysis and account review
Creditor outreach end to end
Every letter drafted for your signature
Payment plans negotiated when that works better
Every offer brought back to you
Every case tracked to a signed settlement
Secure document storage and e-signing
Your exact price is shown at checkout, before you enroll a single account.
MEMBER STORIES
What our members say.
These are combined stories from real kinds of cases we handle. Results vary.
“The collector calls pretty much stopped a few weeks after my first letters went out. And it’s my name on every letter, Felix just wrote them for me.”
Credit cardsSETTLED −58%
“I did the whole thing from my couch on lunch breaks. A letter shows up, I read it, I sign it with my finger, done.”
CollectionsSETTLED −44%
“One ER visit left me with a bill I couldn’t pay. Felix showed me what the hospital would actually take, and it was way less.”
Medical billsSETTLED −61%
“Honestly, I didn’t do anything special. I just signed when something needed me, and the balance kept going down.”
Enrolled balance$0
Settled for$0
Credit cardsSETTLED −56%
“Halfway through, my debt got sold to a collection agency. I uploaded their letter and Felix took it from there.”
Charge-offsSETTLED −52%
“Opening the mail used to scare me. Now every letter goes straight into the app, and Felix tells me what it says and what to do next.”
Personal loansSETTLED −39%
Signing up doesn't. We only run a soft credit pull, which is invisible to lenders and doesn't affect your score. The negotiation process itself can affect your file, and we walk you through exactly what to expect for each account before you enroll it.
Nothing to start. There's no fee to check eligibility, run your credit, or review your accounts. If you decide to enroll an account, we'll show you the full cost up front before anything is signed.
You do, in writing, with Felix doing the legwork. Felix drafts each letter in compliant language; you review and sign it; then it's mailed to your creditor in your own name. We prepare every letter and handle the back-and-forth, but nothing is sent without your signature.
Most creditors respond within 30–45 days of our first letter. From there, a typical account takes about 6–12 months to settle end-to-end, depending on the creditor, the age of the balance, and what you can put toward it. Some accounts move faster; older charge-offs can take a little longer.
Unsecured consumer debt: credit cards, medical bills, collections, personal loans, private student loans, Buy Now Pay Later balances, and charge-offs. We don't handle mortgages, auto loans, federal student loans, government debts, or utility bills.
No. Felix doesn't lend you money or consolidate your debt into a new loan. We help you negotiate down what you already owe, through letters you sign and send, so you pay less to settle each account.
Two minutes · No hard pull · No commitment
Hand itoff.
No spam. No pressure. Just a clear look at what your debts could drop to.
