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Greenwise Debt Relief: Fast Settlement With Low Debt Amounts

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Greenwise Debt Relief: Fast Settlement With Low Debt Amounts
Greenwise Debt Relief Review.

Updated On: July 3, 2024

Navigating financial responsibilities is an inevitable aspect of adulthood, with debt often being a major hurdle. Many people in the US look into debt relief options to regain control of their finances and find a safer path to financial wellness.

In this review, we will examine Greenwise Debt Relief, a company that addresses the average American consumer’s debt and pledges to provide relief for lower debt amounts than many others in the industry. Founded in 2017 and headquartered in Boca Raton, Florida, the company specializes in consultation services, debt negotiation, and debt settlement.

We will further delve into their services in detail, their fee structure, what kind of debt they settle, their strengths, and any potential drawbacks. Additionally, we will explore reviews left by the customers to provide you with a well-rounded understanding of what to expect from them.


No upfront fees
A+ rating from BBB
Free consultation


Lack of transparency on fees & services
High-end program fees
No mobile app


Quick Stats

Credit Score Impact
Program may lower score temporarily
Average Net Savings
50% before fees
BBB Rating
18%-25% of the enrolled debt
Minimum Debt Required
Money-Back Guarantee
24-48 months
Trustpilot Score
4.3 out of 5
Customer Experience

Overview of Greenwise Debt Relief

Greenwise Debt Relief is a debt relief company dedicated to helping the average person manage and resolve their debt issues. They operate with the mentality of guiding people through financial wisdom to take control of their lives. They focus on consultation services, debt negotiation, and debt settlement and claim to provide clients with personalized debt solutions that fit their unique financial situations.

What helps them stand out from the crowd is their lower-than-industry-average minimum debt requirement of $5,000, which makes debt relief accessible to many people for whom the industry standard of $10,000 in required debt is too high. They also boast that their program can be completed in as little as 12 months, although this is significantly shorter than their average timeframe.

The company is accredited by the American Fair Credit Council (AFCC) and the American Association for Debt Resolution (AADR). However, they are not accredited by the Better Business Bureau (BBB), despite holding an A+ rating from them. It's worth mentioning that while they list all US states in their savings estimate calculator on their website, they do not explicitly specify which states they operate in. Our research indicates that they may not cover all states, and it’s recommended to contact them directly to confirm their availability in your state.

Types of Debt Covered by Greenwise Debt Relief

The company focuses on helping people with unsecured debt, which is debt not backed by collateral. While they do not actively advertise the specific types of debt they help settle, debt settlement services generally cater to a variety of unsecured debts, which usually include credit card debt, medical bills, personal loans, private student loans, and payday loans.

To qualify for assistance from them, you must have at least $5,000 in unsecured debt. Their program aims to help you become debt-free in an average of 24-48 months, though according to their website, it can be completed in as little as 12 months in some cases. This makes their program a suitable option if you’re struggling with significant unsecured debt and looking for a structured way to resolve it.

Services Offered by Greenwise Debt Relief

They offer two primary services for managing and resolving unsecured debt. Here are the key features of these services:

  • Debt consultation: The company offers a free, no-obligation evaluation for any potential client. During this initial consultation, you can learn about the debt settlement process they provide, how much they might save you, and how long the program could take
  • Debt settlement: Their specialty is debt settlement, a process that involves negotiating with your creditors to reduce the total amount of debt you owe. To participate in this program, you will have to stop making payments to creditors and instead deposit money into a dedicated savings account with the company. This savings account will then be used to accumulate funds while you continue to make monthly contributions to it. Once sufficient funds are accumulated, they will help you settle the debts for less than the original amount

Fees at Greenwise Debt Relief

The company follows a performance-based fee structure, meaning they only charge fees once your debt is successfully settled. It is important to note that they charge no upfront fees. However, they do not disclose whether they deduct other types of fees, such as management fees, late fees, or monthly fees.

While they do not explicitly state their fees on their website, they mention that clients typically save approximately 50% of their enrolled balance before fees, or 25% to 32% after fees. Based on this information, it can be inferred that their fees range from around 18% to 25% of the enrolled debt. This range is standard for the debt relief industry, although it may be on the higher end of the spectrum.

Advantages & Disadvantages of Greenwise Debt Relief

This section will examine the advantages and disadvantages that might impact your decision regarding this company. This can assist you in making an informed choice about whether they are suitable for your financial requirements.


  • No upfront fees and performance-based charges: One significant benefit of joining their debt settlement program is that they only charge fees after your debt has been successfully settled. This means you do not need to worry about paying anything upfront
  • Free consultation and savings evaluation: Another one of their offerings is their free, no-obligation consultation and free savings estimate calculator. This initial consultation will help you understand the potential benefits of the program. While the calculator can provide you with an estimate of how much you could save within no more than a minute or two
  • Program qualification with debt as low as $5,000: Unlike many competitors that require a minimum debt of $10,000, you can qualify for their debt relief program with as little as $5,000


  • Lack of transparency about fees and services: The company does not directly disclose their fees on their website. You must speak with one of their representatives to get detailed information about the costs and services, which can be inconvenient and may lead to unexpected expenses
  • Undisclosed geographical presence: Another piece of missing information is the list of states where their services are available. This lack of detail can make it challenging for potential clients to determine if they can access the firm’s debt relief services in their area
  • High-end program fees: The implied fees under their program can be as high as 25% of the settled debt, which is higher than many competitors. These higher fees can significantly reduce the overall savings for clients and impact the affordability of the service

Client Experience at Greenwise Debt Relief

Their customer rating is generally positive across review platforms. They hold 4.9 out of 5 stars on the Better Business Bureau (BBB), although they are not BBB accredited. On Trustpilot, they have a rating of 4.3 out of 5 stars, and on Google reviews, they boast a 4.8 out of 5-star rating. These high scores indicate a substantial level of customer satisfaction and reliability.

Positive feedback

Many customers have praised their representatives for their personalized care and attention to detail. Others mentioned the team members' kindness and intuition, highlighting their ability to understand and address individual financial situations. Several reviews also noted that they saw a significant reduction in debt and described great financial relief after enrolling in the program.

Critical feedback

Despite the overwhelmingly positive feedback, some customers have expressed dissatisfaction with certain aspects of the company’s services. Common complaints include issues with fund handling, such as difficulty moving payment dates and unexpected fees. A few reviewers reported dissatisfaction with the outcomes, feeling that the process took longer than expected or did not result in the anticipated savings. Additionally, some customers noted a lack of transparency and communication, particularly when it came to understanding the fee structure and the overall process.

Customer Support at Greenwise Debt Relief

To make inquiries or to reach their customer care team, you can contact them during their office hours of 9 AM to 11 PM EST, Mondays through Fridays, and 9 AM to 6 PM EST on Saturdays and Sundays. You can call them directly via phone at 855-974-1979 to speak with a customer service representative, or you can send an email to if you have any questions or support requests.

For correspondence or in-person visits, they can be reached at:
Greenwise Debt Relief
1200 N Federal Highway
Suite 200
Boca Raton, FL 33432

Note that their website does not provide blogs, FAQs, or other educational materials. You may need to rely on direct communication with their representatives to obtain any additional information or educational resources from the company.

Final Thoughts 

Greenwise Debt Relief specializes in helping people manage and resolve their unsecured debt through personalized debt solutions, including debt negotiation and settlement. They feature a minimum debt requirement of $5,000, which is lower than the industry standard, and a program completion timeframe of as short as 12 months. They boast an average savings rate of 25% to 32%.

The company's unique advantages include charging no upfront fees, following a performance-based fee structure, and providing free consultations. Positive reviews highlight their high level of personalized care, staff expertise, and significant debt reduction, setting them apart from competitors. However, some of their drawbacks include a lack of transparency about fees and services, high-end program fees, and an undisclosed geographical presence.

Remember that there is no greater determiner of their program's suitability for your individual needs than comparing and contrasting their services and specifics with those of others in the industry. To do so, you should explore our reviews page, where you can access the many debt relief companies. You can also check out our comparison tool, which makes comparing one company to another much easier. Finally, we recommend you read our vast collection of blogs and have an arsenal of financial knowledge at your disposal. 

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