Collectors count on you not knowing your rights. Debt Eraser tells you the exact next move for every debt — the letter to send, why it works, and what happens next.
The Debt Eraser App is a personal finance tool designed to help users understand, manage, and address their outstanding debts.
Users can input and track multiple debts, including credit cards, medical bills, and collection accounts, within a centralized dashboard.
The app provides educational resources related to consumer debt laws and financial rights. Based on user input, the app generates pre-filled letter templates such as debt validation letters, settlement offer letters, hardship letters, and goodwill requests. These letters are intended to assist users in communicating with creditors and collection agencies.
Users can review, edit, and export these letters for personal use. The app also includes optional mailing functionality through a third-party service, allowing users to send letters directly from the platform.
The app offers a guided experience to help users follow a structured process for addressing their debts. Progress tracking features allow users to monitor actions taken, such as letters sent or responses received.
Subscriptions unlock premium features including unlimited letter generation, advanced tracking, and additional educational content.
The app does not provide legal advice, credit repair services, or direct negotiation with creditors. It is intended as a self-help tool for informational and organizational purposes only.
Honestly one of the better debt tracking apps I’ve used. Clean layout, easy to understand, and it actually helps keep everything organized without overcomplicating it. Definitely useful if you’re serious about paying things down and staying on top of your finances.
Excellent App
Hunter.rob1
Very clean and easy to use.Makes organizing and tracking debt way less stressful, and the layout is simple without feeling overwhelming. Looking forward to future updates!
Excellent App
Raider will
This app is easy to use and lets you track your progress. I’ve used other apps like this but non gave me the results debt eraser got me.. I’m truly happy I used this app
Amazing
Mannna455
I used debt eraser and I’ve learned a lot… I was about to spend thousands of dollars to have my credit cleaned up and have spent a fraction of that .
Your verdicts just got a serious upgrade.
Debt Eraser now thinks like a debt-relief expert. For every debt, the app picks your single best next move from a proven playbook — demand proof, dispute what's inaccurate, flag debts too old to report, or negotiate from strength.
New in this version:
Expert game plan with every verdict: why the move works, what to expect, and step-by-step instructions
Smarter questions that catch re-aged and outdated debts many people never spot
New letter strategies: pay-for-delete offers, settlement negotiations, and goodwill requests for paid accounts
Follow-up letters now escalate — if a collector ignores you or pushes back, the app hands you the next, stronger move
You don't need to know the law. You just need to know your next move — and now the app always does.
Version 1.09
The developer, Christopher Kuczynski, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Financial Info
Contact Info
Identifiers
Diagnostics
Other Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Christopher Kuczynski
Size
57.3 MB
Category
Finance
Compatibility
Requires iOS 15.1 or later.
iPhone Requires iOS 15.1 or later.
iPad Requires iPadOS 15.1 or later.
iPod touch Requires iOS 15.1 or later.
Mac Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.