1. Savings claim. The 50% figure is the average reduction from the balance owed when an account settles, as reported for debt settlement generally — not a Felix result, an estimate of your result, or a guarantee. Independent sources put the average reduction at roughly 40%–53% of the balance owed, before program fees: Dobbie, Harvard Kennedy School (2020); CNBC Select; CBS News. Not every account settles: creditors are not required to negotiate or accept any offer, balances can keep accruing interest while a case is open, and forgiven debt may be taxable. “No hidden fees or commissions” means Felix charges a flat subscription only — never a percentage of your debt, a commission on your savings, or a fee taken out of a settlement. Your results will vary.
2. Felix is a technology company. Felix is not a law firm and does not provide legal, tax, or financial advice. Felix is not a bank, a lender, or a credit counselor. Felix is not a credit repair organization as defined under the Credit Repair Organizations Act, and is not a debt collector. Felix does not hold, transmit, or disburse your funds. Available in the U.S. only.
3. Checking eligibility is free and uses a soft credit inquiry authorized by you. A soft inquiry does not affect your credit score. Enrolling accounts and the negotiation process itself can affect your credit; we explain what to expect for each account before you enroll it.
4. Every creditor letter is drafted for your review and electronically signed by you before it is mailed in your own name, from your own return address. No letter is ever sent without your signature. Felix does not take power of attorney. All settlement decisions require your explicit approval.
5. Except where a source is cited above, savings figures, settlement ranges, timelines, and example outcomes shown on this page reflect completed cases or composites of completed cases and are shown for illustration. They are not a promise of your result. Individual results vary and are not guaranteed. Creditors are not required to negotiate or accept any offer.
6. Felix is a flat subscription. Felix never charges a percentage of your enrolled debt. Your exact price is shown in full at checkout, before you enroll a single account, and you can cancel anytime.
7. Debt negotiation involves trade-offs. Accounts may continue to age, accrue interest, or be sent to collections during negotiation, and settled debt may have tax consequences. See our Terms for important considerations before enrolling.
8. Capital One, Discover, Chase, American Express, Bank of America, Wells Fargo, Citi, Synchrony, Klarna, Affirm, PayPal, and other creditor names and logos referenced on this page are trademarks of their respective owners. Felix is not affiliated with, endorsed by, or sponsored by any of them; they are shown to describe the kinds of accounts Felix negotiates.
9. The Felix platform is operated by Aurora Technologies Group, Inc. Partner co-branding does not change who provides your account — your account remains a Felix account. Felix and the Felix logo are trademarks of Aurora Technologies Group, Inc.
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