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Progressive Debt Relief: Regaining Financial Control

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Progressive Debt Relief: Regaining Financial Control
What does Progressive Debt Relief offer?

Updated: May 8, 2024

With Progressive Debt Relief (PDR), you can finally say goodbye, making it easier to eliminate your debt and start living the life you've always wanted. They offer free debt relief consultations to help you find the best services for your needs. This provider has been in this business for almost 20 years and is sure to have already created communication channels with most of the principal payday loan lenders and other creditors.

This review provides a breakdown of their services, prices, benefits, disadvantages, and customer reactions, which will help you compare them against other providers.


Addresses different types of debt comprehensively
Live chat
Personalized customer service
Offers financial education and budgeting resources


Lack of transparency


Quick Stats

Average Net Savings
BBB Rating
Minimum Debt Required
Money-Back Guarantee
Not Available
Trustpilot Score
Customer Experience

About PDR

Progressive Debt Relief LLC. is a debt relief company established in 2005 and based in Maitland, Florida, United States. They cover unsecured debts, including credit cards, payday loans, medical bills, and much more. Until recently, they have assisted customers in clearing over $3.5 million lines of credit.

As a debt relief agency, PDR helps people manage and reduce their debt via various debt resolution options. Strategies like debt consolidation, settlement, or negotiation could be considered based on the client's financial condition.

They are accredited by the International Association of Professional Debt Arbitrators (IAPDA) and the American Fair Credit Council (AFCC). However, the Better Business Bureau (BBB) does not accredit them.

Types of Debts Accepted

PDR supports unsecured debt but mentions helping with debt collection, like lease agreements and phone bills. They don't support secured debts backed with collateral, such as home mortgages. Student debts are a gray area; most debt relief companies accept them on a case-by-case basis, but PDR doesn't mention them, so you'll have to take their counseling session to discuss your situation.

Credit card debt: They cover everything related to credit cards, from traditional issues like Visa or Mastercard to store and private label credit cards. Paying each of them with interest could be challenging, so a debt relief company could lower your interest rates. 

Medical debt: If you don't have insurance and manage to raise your bill to a couple of thousand dollars, you could talk to a debt relief specialist to bundle up all the debts into one, which will lower your monthly payments. 

Payday loans: PDR was one of the first companies in the industry to help their customers avoid payday loans. People rely on them to stay afloat, but the high-interest rates could swarm you if you're not careful. 

Business debts: A business with an unsecured debt could qualify for a debt settlement with this provider. Companies can successfully handle financial difficulties and concentrate on development and sustainability in the long run when they use this proactive strategy.

Signature loans: Banks and other lenders provide "good faith" or "character" signature loans for borrowers with excellent repayment capabilities. PDR provides signature loan holders with customized debt reduction alternatives by negotiating lower interest rates, extended payback periods, and debt consolidation 

Collection accounts: Whether it's a past-due cellular bill, a lease payment, or any other kind of outstanding debt, PDF may help. A person's mental and physical health might suffer if they are the target of persistent and aggressive collection efforts. Clients may rely on the firm to step in and negotiate advantageous settlements with creditors or to temporarily cease collection operations.

PDR Fees & Costs

This debt relief company does not disclose any pricing structure or fee range on their official website; they just say that in all aspects of their business, you will be given the lowest fees in the debt relief organization industry. Most credit counseling companies do it this way: 15% to 30% of the total debt owed; that is, they will likely charge you about 15%. PDR differs from other service providers because they do not require paying upfront. You won't be charged a single penny until they negotiate a deal with your creditors.

They don't state the amount of your savings or the success stories of previous clients, which is why it’s hard to estimate your savings. Competitors will compare the average amount a person will save and show how much money they have saved.

Information about how long it will take to eliminate your debt balance is not mentioned either. Depending on your financial status, you might be able to choose a loan term of either 48 months or 12 months.

Advantages & Disadvantages 


  • Customer Portal: This company's most significant advantage is their client portal, a feature many debt relief companies do not offer. Customers can access this portal anytime to monitor their debt settlement plan without having to call or email their office. The portal  also gives you access over the weekends when their office is closed
  • Free consultation: Customers may talk to a licensed counselor about their money problems at this appointment, and the counselor will make an evaluation of their debt and recommendations based on that evaluation
  • No upfront fees: With this method, clients won't have to worry about the potentially crippling financial impact of prepayments
  • Addresses different types of debt comprehensively: Customers can use this suite of services to combine their debts into one more manageable payment plan, giving them some financial independence
  • Live chat: An easy option for clients to have their issues answered quickly is by using the company's live chat assistance. People who have issues with their debt reduction plan or who want quick assistance will find this option very helpful. At every stage of the debt relief procedure, clients can rely on prompt and efficient assistance thanks to the live chat feature
  • Personalized customer service: Since every client's financial situation is different, PDR emphasizes providing individualized customer care. Customer debt reduction solutions are tailor-made after counselors at the organization take the time to learn about each client's unique financial situation and objectives
  • Offers financial education and budgeting resources: This provider offers budgeting tools and financial education for better money management. This category includes tools that help clients recognize their budgets and understand money so that they may make smart financial choices and stay out of financial trouble. To assist clients in developing sound financial habits and achieving financial security in the long run, the organization is deeply committed to financial education


While they have a wide range of benefits, PDR isn't completely forthright in several areas, which might be a big con for some customers. For example, they don't reveal how much money their clients typically save or how long it takes to pay off their debt (generally between 12 and 48 months). Moreover, which states they serve is not apparent, which is a significant negative since debt relief regulations differ from one state to another.

This is a significant drawback, as each state has its own set of debt laws, and they don't give a clear answer to whether or not they operate in their area. They also do not mention how they can help if you live outside their jurisdiction; most debt relief companies refer to other companies. 

Customer Reviews

While they don't have many pages on trusted customer review platforms like Trustpilot and G2, they have a profile on the BBB with a 5 out of 5 customer rating. 

They have received positive customer reviews highlighting the company's excellent customer service, stress-free debt relief processes, and successful debt settlements. Clients express gratitude for the company's professionalism, transparency, and compassionate approach towards helping individuals manage and settle their debts. Testimonials mention the company's dedication to helping people in difficult financial situations, successful debt settlements, and individualized service. 

On the other hand, some of the concerns that clients have brought up are the lack of openness and honesty regarding some issues, such as the prices and the accreditation status. It has also been reported that debt levels have been misrepresented, with some consumers finding differences between the initially supplied sums and the revealed ones. For those trying to get out of debt, this has created unforeseen financial difficulties. 

Some customers feel even worse about their financial situation since the firm didn't do enough to settle their obligations or notify their creditors when they enrolled, which led to the sale of their debts to collection agencies. Refunds and account closures have also proven problematic for customers attempting to leave the program. As a final point, customers have expressed frustration and confusion over the lack of consistent communication and individualized attention they have experienced throughout their debt relief journey.

In response to consumer complaints posted on the BBB, PDR worked to address the problems raised and fix them as soon as possible. They stated that a refund would sometimes be made and that the customer's account would be closed in other cases. 

The company offered settlements and ensured the customer was happy with the program and the results to address the client's issues satisfactorily. Following the satisfactory settlement, the consumer consented to drop their BBB complaint, signifying an enhanced customer experience.

PDR Customer Support

If you want to talk to a representative, you'll need to contact them during their business hours, Monday through Friday, between 9 AM and 5:30 PM EST. They provide a toll-free phone number for their clients at +1-866-404-9120 and for potential clients at +1-877-590-1847.
If you want a free consultation, go to their website and fill out the online application to qualify for a free evaluation.


To sum up, Progressive Debt Relief (PDR) is an established debt relief provider, providing extensive services to those struggling under the weight of different types of unsecured debt. With over 20 years in the industry, the firm has become a trusted choice for those needing help managing and lowering their financial responsibilities. To meet each client's financial situation, PDR tries to deliver personalized solutions via tactics including debt consolidation, settlement, and negotiation.

A client portal for simple monitoring, free consultations, and individualized customer care are just a few benefits the organization promotes. However, some significant areas need improvement. Concerns about transparency, such as hidden costs and a lack of clarity regarding accreditation status, call into question the company's commitment to open communication. 

Prospective consumers should thoroughly explore their alternatives and consider how they correspond with their financial objectives and expectations before committing to Progressive Debt Relief. 

To make better decisions about your debt relief provider, it's essential to conduct thorough research, read our reviews, and obtain clear information about costs from each provider. You can also compare companies and explore our blog posts for more details.

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