Debt Relief
Top Companies in 2024
CreditAssociates vs JG Wentworth
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- No upfront fees and free consultation
- Performance-based fees
- Money-back guarantee
- Certified by AFCC, AFCC, and IAPDA
- 24/7 online access
- No upfront fees
- Accessible customer service
- A+ BBB rating
- Quick debt repayment
- Services not available in all states
- Lack of clarity about requirements
- Must prove financial hardship to qualify for the program
- Limited debt relief options
- Only available in 30 states
- High program fees
- Additional fees
- No mobile app
Since its foundation in 2007 in Dallas, Texas, CreditAssociates has been serving debt-ridden Americans across 44 states to settle their balances by half. Their specialty is personalizing debt-relief solutions, starting with a free consultation followed by creditors' negotiations and debt settlement, all while charging no upfront fees and utilizing a performance-based fee structure. Their efficient debt settlement process typically spans 24 to 36 months, faster than industry norms, underscored by accreditation from the American Fair Credit Council (AFCC), certification from the International Association of Professional Debt Arbitrators (IAPDA), and an A+ rating from the Better Business Bureau (BBB). Explore this CreditAssociates’ review and discover whether they can help you navigate your financial hardship!
Within the last 30+ years, JG Wentworth has imprinted their name among the industry’s most recognizable brands. Their offerings spread across many sectors; among them are their debt relief programs, debt settlement services, and personal loans designed specifically for individuals grappling with debt. They also tailor solutions to individuals wanting to access their structured settlements, annuity payments, and lottery or casino winnings in one lump sum. They have helped over 150,000 clients and facilitated $4 billion in transactions, which pushed them to the forefront of the industry. Operating across 30 states and Washington, DC, they have a policy that prohibits upfront fees and offers a best-price guarantee of $1,000. These affordability measures are reinforced by their A+ rating with the Better Business Bureau (BBB) and memberships in organizations such as the American Association for Debt Resolution (AADR) and the American Fair Credit Council (AFCC), and a certification from the International Association of Professional Debt Arbitrators (IAPDA).
- Credit Score Impact : Program may lower score temporarily
- Average Net Savings : Up to 50%
- BBB Rating : A+
- Fees : 22-25% of total enrolled debt
- Timeframe : 24 to 36 months
- Money-Back Guarantee : "True"
- Trustpilot Score : 4.9 out of 5
- Customer Experience : Good
- Credit Score Impact : Program may lower score temporarily
- Average Net Savings : Up to 51% of debt
- BBB Rating : A+
- Fees : 18% - 25% of total enrolled debt
- Timeframe : 24-48 months
- Trustpilot Score : 4.8 out of 5
- Customer Experience : Good
- Apple and Android mobile app
- Lower-than-average debt settlement time
- Relatively low minimum debt requirement
- High promised discount rate
- No upfront fees and free consultation
- High debt-settlement rate
- Wide range of services and third-party partnerships
- Perfect complaint-resolution rate
- Bankruptcy Counseling
- Consolidation Loans
- Credit Card Debt Relief
- Credit Counseling
- Debt Consolidation—Undisclosed
- Debt Counseling
- Debt Management Plans—Undisclosed
- Debt Settlement
- Loan Refinancing
- Bankruptcy Counseling—Undisclosed
- Consolidation Loans—Undisclosed
- Credit Card Debt Relief
- Credit Counseling
- Debt Consolidation
- Debt Counseling—Undisclosed
- Debt Management Plans—Undisclosed
- Debt Settlement
- Loan Refinancing—Undisclosed
- Collection Accounts
- Credit Card Debt
- Medical Bills
- Personal Loans
- Private Student Loans
- Professional Bills—Undisclosed
- Secured Debts
- Collection Accounts
- Credit Card Debt
- Medical Bills
- Personal Loans
- Private Student Loans
- Professional Bills
- Secured Debts—Undisclosed
- Cash
- Escrow/Savings Bank Account
- Major Credit Cards
- Cash—Undisclosed
- Escrow/Savings Bank Account
- Major Credit Cards—Undisclosed
- In Office
- Live Chat—Undisclosed
- Mobile Application—Undisclosed
- Phone
- Ticket
- In Office
- Live Chat
- Mobile Application—Undisclosed
- Phone
- Ticket
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