Credit cards
The bulk of what we settle.
Every major issuer, store card, and co-brand. Card debt settles every day — and the savings compound fast across multiple balances.
40 – 60%Settles at
We negotiateyour debt.You get your
life back.
Felix takes on the calls, letters, and back-and-forth with your creditors — and brings back settlement offers you can accept or pass on. You stay in control. We do the heavy lifting.
Soft pull onlyNo hard inquiry2 minutes to start
Sample case · settled
$6,800 → $2,890
Closed in 7 months
How Felix works
Three steps.
No surprises.
From eligibility check to final settlement, you’re in control of every decision. We do the work. You say yes or no.
Typical case timeline · 6–12 months
01
Check your eligibility
Two minutes. No documents, no hard pull, no phone call. We find the tradelines worth negotiating and show you what a realistic settlement looks like.
- Light KYC
- Soft credit pull
- Plain-English consent
02
We negotiate for you
Felix Ops reaches out to each creditor on your behalf through compliant written correspondence and brings any offers back to you. Nothing moves without your sign-off.
- Compliant outreach
- Written offers
- You approve each
03
Settle and move on
Soft-accept the offer, sign the settlement letter, and watch the balance drop. We handle the payment plan and track the whole thing to closure.
- E-sign settlement
- Payment plan handled
- Tracked to $0
What we negotiate
Six categories.
One unsecured playbook.
Run an eligibility check to see what applies to your file — we only enroll the accounts where settlement makes financial sense.
Personal loans
Often the largest single balance.
Unsecured installment loans — banks, credit unions, online lenders.
50 – 70%Settles at
Medical
Bills you didn’t plan for.
Hospital, clinic, lab, ambulance — including accounts already in collections.
20 – 40%Settles at
CollectionsEasiest to settle
Already with a collector.
Anything sold to a third party. By the time it lands at a collection agency, the creditor has already accepted a loss. That’s leverage.
- Original creditor has written it off
- Agencies bought the debt for pennies
- Settlements close fastest here
30 – 50%Settles at
BNPL
Buy-now, pay-later.
Affirm, Klarna, Afterpay — case by case depending on age and balance.
VariesReviewed individually
Charge-offs
Old balances still on file.
Charged-off accounts still sitting on your credit file and accruing.
30 – 50%Settles at
What relief looks like
Real numbers,
anonymized.
Based on typical settlement ranges. Every case is different — but this is the scale of what’s possible when a creditor would rather settle than send to collections.
What changes first
Fewer incoming calls. Smaller balances. One plan you can actually follow.
Credit card debt11 mo
Before$14,200
→Settled$5,680
Three cards rolled into a single settlement plan after 4 months of back-and-forth.
Medical + collections6 mo
Before$8,400
→Settled$2,100
Two hospital balances and a collection account, settled before the file aged out.
Mixed unsecured14 mo
Before$22,000
→Settled$10,560
Personal loan plus two charge-offs. Longer fight, landed under 50%.
FAQ
Questions people actually ask.
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 — 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.
We do. Felix's team contacts each creditor on your behalf through compliant written correspondence and handles the back-and-forth so you don't have to.
Most creditors respond within 30–45 days of our first letter. From there, negotiation usually wraps up in two to four months. End-to-end, expect 4–18 months per account depending on the creditor, the age of the balance, and what you can put toward it. Some accounts settle in weeks; older charge-offs can take 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 negotiate down what you already owe so you pay less to settle each account.
Hand it off.
Two minutes to check eligibility. No hard pull. No commitment. No spam.
ChaseCapital OneAmexDiscover
Check your eligibility
FCRA · GLBA · FDCPA · TCPA