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Progressive Debt Relief Review: Can They Help You Regain Control over Your Finances?

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Progressive Debt Relief Review: Can They Help You Regain Control over Your Finances?

Progressive debt relief gives you a way out of your debt through debt settlements. They have been in the business since 2003 and have claimed to have established relationships with most major payday loan companies, and other creditors. 


Accepts most types of unsecured debt
No upfront fees
Client portal available 24/7


Fees are not disclosed
No customer supports on weekends
Timeframe is not disclosed

Quick Stats

Affects credit score
Not Available
Average net savings
BBB Rating
Minimum debt required
Money-back guarantee
Not Available

About Progressive

Progressive is a debt relief company founded in 2005 and is headquartered in Maitland, Florida. They cover a variety of unsecured debts such as credit cards, payday loans, and medical bills. So far, they have helped customers settle over $3.5 million in debt. 

They are based in Florida, but they do not mention which states they operate in. This is a major drawback as each state has its own set of debt laws, and it doesn't give a clear answer to consumers whether or not they operate in their area. They also do not mention how they can help in case you live out of their jurisdiction; most debt relief companies provide referrals to other companies. 

The company has no accreditation with the American Fair Credit Council nor the International Association of Professional Debt Arbitrators. Most debt relief companies hold at least one of those accreditations.

Progressive Debt Relief Options

Progressive is known to provide support for unsecured debt, but they also mention helping with debts in collection like lease agreements and phone bills. Secured debts that are backed with collateral are not supported, such as home mortgages. Student debts are a gray area; most debt relief companies accept them on a case-by-case basis, but Progressive debt relief doesn't mention it, so you'll have to take their counseling session to discuss your situation.

Types of debts accepted

Credit Card debt: They cover everything related to credit cards; traditional credit card issues from Visa or Mastercard to store and private labels credit cards. Paying each one of them with their interest could be a hard task, so a debt relief company could lower your interest rates. 

Medical debt: If you don't have insurance and managed 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: Progressive debt relief was one of the first companies in the industry to help their customers break away from payday loans. People rely on them to stay afloat, but if you are not careful, you can be swarmed with how high the interest rates are. 

Business debts: If a business has an unsecured debt, it could qualify for a debt settlement. 

What happens next? 
1. Get a free consultation and check if your type of debt qualifies.
2. Discuss your situation with the debt counselor and determine if a settlement is your best option. 
3. Go over the plan they tailored for you for the upcoming months. 
4. If both sides agree, you should be able to pay off your debts within the timeframe discussed. 

Progressive Fees

This debt relief company does not disclose its range of fees on its website; they only mention their commitment to charging you the lowest fees in the industry. The standard price range in the debt settlement industry is 15% to 25% of the total debt, which means they should be charging you about 15%. Additionally, progressive does not charge upfront fees; your first payment is made once they have successfully negotiated the terms with your creditors; it is illegal for debt relief companies to charge you upfront. 

Relief amount

They also do not advertise the amount of money you save, nor are there study cases of previous clients to give you an idea of how much you'll save. Their competitors usually mention the average amount you'll save and show you how much their customers have saved throughout the years. 

Relief time

There is no mention of how long it will take to pay off your debt completely. Typically it takes anywhere from 12 to 48 months, depending on your financial situation.

Progressive Customer Support

If you want to talk to a progressive representative, you'll need to contact them during their business hours; Monday through Friday between 9 a.m. and 5:30 p.m. EST. They do not offer support on weekends, so you'll have to wait till they are back in the office on Monday. 

Their toll-free phone number is:

  • Existing clients: +1-866-404-9120
  • Potential clients: +1-877-590-1847

If you are reaching out for a free consultation, you can go to their website and fill out the online form to get a free evaluation.

Additional Features

The biggest advantage this company has is its client portal, a feature not offered by many other debt relief companies. Customers can access this portal at any time to monitor their debt settlement plan without having to call or email their office. It also gives you access over the weekends when their office is closed.


Progressive debt relief lacks transparency regarding their prices, savings, and timeframe. Those are the major concerns regarding their company because the biggest names in the industry clearly advertise everything you need to know on their website.

On the other hand, they do offer a free consultation if you want to see for yourself what they have to offer and if their company is the best debt solution for you. 

Should I pay upfront?
Does a debt settlement affect my credit score?
How long does it take to get out of debt?
Can a creditor sue me?
Does progressive charge a fee?
Does Progressive offer a free consultation?
What kind of debts does progressive deal with?

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