Debt Eraser

Track & Settle Debt

Free · In‑App Purchases · Designed for iPad. Not verified for macOS.

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.

  • 5.0
    out of 5
    5 Ratings

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verdict: why the move works, what to expect, and step-by-step instructions Smarter questions that catch re-aged and outdated debts many people never spot New letter strategies: pay-for-delete offers, settlement negotiations, and goodwill requests for paid accounts Follow-up letters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.

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

The developer has not yet indicated which accessibility features this app supports. Learn More

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.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
  • English
Age Rating
16+
In-App Purchases
Yes
  • Debt Eraser Plus Monthly $19.99
  • Debt Eraser Freedom Monthly $39.99
  • Debt Eraser Freedom Yearly $299.99
  • Debt Eraser Plus Yearly $149.99
Copyright
  • © 2026 Debt Eraser Solutions