Thank you for sharing your story and referring us to your friend. I'm glad you decided to work with us to take care of bad debts and found it "nice and easy to interact with [our] reps." Congratulations on completing your debt consolidation program for less than the estimated settlement amount by 18% and sooner than expected. Enjoy living a #DebtFreeStressFree life.
Original review: Oct. 21, 2016
I've worked with CountryWide Debt Relief for two years. At that time, there were three companies that I was looking at but the lady at CountryWide was the most helpful. Since it was my first time, I was so scared on what to do but she tried to explain everything to me very well that I decided to go with them. It was nice and easy interacting with their reps, I had no problem. I’m glad I’m out of debt and I was happy with their service. I have a friend who’s having a problem with her debt, so I told her about CountryWide.
Thank you for sharing your story. I'm glad your sister referred you to us and you had an opportunity to work with our "knowledgeable, friendly, outgoing and excellent" team of experts. Congratulations on completing your debt consolidation program earlier than expected and for less than the estimated settlement amount by 23%. Enjoy your retirement #DebtFreeStressFree.
Original review: Oct. 14, 2016
I'm 65, and my husband 64 had some credit card debt that got a bit more than what we were comfortable with, in terms of how long we would be able to pay that before we retire. I had called a different company before who said that they can help me but before I had gotten off the phone, my credit card was already charged $1,000 for their services. I called them up and told them that I only spoke with them and didn't agree unto anything. It was awful.
Then my sister recommended CountryWide Debt Relief. She had them do something for her and she was very happy with them. So I talked to CountryWide, told them everything. We set up a payment plan and got everything settled. I paid them $400 a month and then bumped it up to $500 a month. It took us a little over a year and everything was well taken care of. It was two credit cards and one lowered the debt and the other one got rid of it completely. It worked out greatly.
During the free consultation, their reps were knowledgeable, friendly, outgoing and excellent. What the rep said was exactly what they did, so I didn’t have to go through asking "this is what you said and now it’s this.” I was extremely happy with them. They said that improving my credit score will take a little bit of time but right now, it seems to be fine and getting better. CountryWide has affected my life in a very positive way.
Thank you for your review and recommendation. I’m glad you reached out to our team, “had a good experience” and are “debt-free now.” Congratulations on completing your debt consolidation program for less than the estimated settlement amount and saving more money than originally estimated. #DebtFreeStressFree is the way to be!
Original review: Sept. 27, 2016
I wanted to consolidate all my credit cards debts and make them into just one monthly payment. I had a good experience with CountryWide and I was happy with the end result. They helped me a lot because I'm debt-free now. I was able to get out of debt within a year. I was very satisfied and I would recommend CountryWide to a friend if they're in the same situation I was in.
Thank you for sharing your story; it’s wonderful to hear clients take time to make a sound decision when selecting a debt consolidation company. I’m glad you reached out to us for your “auto deficiency” lawsuit. Congratulations on completing your debt consolidation program. #DebtFreeStressFree is the way to be!
Original review: Sept. 26, 2016
I was looking up some ways to clear up a few things and stumbled across CountryWide Debt Relief on the internet and gave them a call. Once they had all the information, they told me what would be required of me for the next few years and they allowed me to have some time to think about it, which was really cool and probably what made me choose them out of all the other ones I had to call. They let me know what I was getting myself into for the next year. That was okay with me instead of jumping head first into it. The rep was always available and for every question I had, she called me right back. She was very helpful and encouraging to keep me going when it got hard. Overall, it's a very good company and they're very helpful and always able to help me with any questions I have. It has been a wonderful experience.
Thank you for sharing your story. I’m glad to hear you came to us for assistance with your debt settlement needs. It’s too bad other companies “took your money and ran” without providing guidance. Congratulations on completing your debt consolidation program with CountryWide Debt Relief, getting “everything paid off” and now your “credit is in tiptop shape.” #DebtFreeStressFree is the way to be!
Original review: Sept. 19, 2016
I wish I had a deal with CountryWide the first time because the first couple of companies I dealt with just took my money and ran. But CountryWide took the time to make sure everything was going the right way and they kept me on top of things. Their staff was right on and whenever I needed to talk to them about something, they didn’t hesitate to call or send me a message very quick. I got A1 credit right now and I got everything paid off and my credit is in tiptop shape. A little bit too late, but that’s all right.
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Thank you for sharing your story. I’m happy to hear our team “got you back on track.” We love to hear our team called "the best." Congratulations on completing your debt consolidation program for less than the estimated settlement amount by 23% and putting more money in your pocket. #DebtFreeStressFree is the way to be!
Original review: Sept. 18, 2016
I needed some help and I heard that CountryWide Debt Relief was out there to help consumers. So, I decided to check them out and call them to see what they can do and offer. The team members at CountryWide were pretty good. They were very informative and took all the questions out of my mouth before I even said them. They helped me out and got me back on track, and I could continue forward afterwards. They're the best. They do what it takes to take care of their customers. They do an excellent job.
Thank you for your feedback. I’m glad you reached out to us to eliminate your credit card debts. It’s unfortunate you lost money working with other companies. But now, you are “done with all your debts.” Congratulations on completing your debt consolidation program for 21% less than the estimated settlement amount. Enjoy living a #DebtFreeStressFree life.
Original review: Sept. 10, 2016
I had a bunch of credit card debts, and I was paying the minimum on them and I wasn’t getting anywhere. I called CountryWide Debt Relief since I wanted to hear what they had to say. The people at CountryWide talked to me a little bit about how the program worked and how it would help, and it worked out fine. It was great working with them, and I’m done with all my debt.
Thank you for your review and recommendation. We appreciate your feedback. I’m happy to hear you say “they portrayed their company honestly” and “helped me get in control of the debts I had” and “helped me pay off some bills.” Congratulations on completing your debt consolidation program for less than the estimated settlement amount. Enjoy living a #DebtFreeStressFree life.
Original review: Sept. 1, 2016
I was having a little bit of trouble financially and CountryWide Debt Relief came through. They helped me get in control of the debts I had. They helped me pay off some bills and my credit score went up at that time. I would have different people if I called in but that was okay because they would answer my questions and take care of my concerns. It was a good experience all around. They portrayed their company honestly. If I have friends that are having financial problems, I would have no problem recommending them with CountryWide.
Thank you for your review, we appreciate your feedback. I'm happy to hear you found our representative to be "very thorough with her job." Congratulations on completing our debt settlement program for less than the estimated settlement amount. #DebtFreeStressFree is the way to be!
Original review: Aug. 2, 2016
I enjoyed everything that CountryWide did. I highly recommend them to anyone that has problems with debt and maybe get debt relief. The representatives that I worked with at CountryWide Debt Relief was very thorough with her job. She explained everything and how it worked, took my application and went on from there. I thank God that they came in at the right time. It allowed my husband and me to have a chance to get free of debt. It was the best thing to happen to us at the time that it happened.
Thank you for your feedback, it's wonderful to hear our team described as "courteous and helpful." I'm glad you reached out to us to assist in eliminate your debt so you can buy your first home. Congratulations on completing our debt settlement program for less than the estimated settlement amount. Enjoy living in your new home #DebtFreeStressFree.
Original review: May 3, 2016
Countrywide helped me get out of debt and improve my credit when I was in some trouble and needed some help out. Their team was very courteous, helpful and walked me through the entire scene. The main guy that I dealt with was always available to take my call if I ever had questions. I had roughly a year left on my timeframe to have everything paid off, but I was in the process of trying to buy my first house, and once I got toward the end of it, he helped me close out my few remaining accounts at a very timely manner and wrapped everything up. So, I was able to get approved for my house. They worked for me, got all my settlements down to a reasonable number, and I didn't have to do a whole lot. So, I would highly recommend them if anybody was in need.
Thank you for sharing your story. Congratulations on becoming “debt-free” by completing your debt consolidation program for less than the estimated settlement amount by 25% and saving an additional $23,000. Enjoy living a #DebtFreeStressFree life.
Original review: Oct. 20, 2016
I had a lot of debt and I wanted to see if I could get a company to handle the settlement for me. I got a free consultation with CountryWide and they described the program, and recommend everything and what they would do. I’ve paid off the loans so it worked out good. CountryWide has been very positive and I appreciated the help. I was made debt-free.
Thank you for sharing your story. I’m glad you reached out to us to take care of your bad debts before creditors “garnished your wages.” To recap your “positive experience” with us - CountryWide Debt Relief does not charge upfront fees. This was confirmed after reviewing your account. The initial payments you made to your debt consolidation program were kept in a special purpose account and those funds were used to settle your accounts. We only collect fees once the debts are settled as they were in your case. We hope you saw the value of our bad debt consolidation program as you completed the program for less than the estimated settlement amount, by 28%, and saved an additional $10,000. We’re extremely delighted that you gave us the opportunity to take “the burden off your shoulders.”
Original review: Oct. 18, 2016
I had a bunch of credit card debts. I was able to settle one of them, but I didn't have enough money to settle the rest of my debt, and I didn't want people garnishing my account. I was starting a new consulting service and I just couldn't afford to have my bank account dinged. At any rate, I called up CountryWide. I could've settled my debts cheaper myself if I had the money, but I didn't have the money to do that. Using CountryWide's services cost me a little more than I would've liked to settle all of my debts, but they got it all done and I'm very happy that it happened that way.
The CountryWide reps were all very good. At the free consultation that we had, they proposed a deal to me, which I didn't take initially. It was six or seven months later before I took the deal. I paid an upfront fee. They negotiated the debt for me. They set up the payment, took it out of my account, and paid off my creditors. CountryWide took the burden off in the end and got my debt taken care of, so it was very positive working with them.
Thank you for choosing us for your debt consolidation needs. Congratulations on completing the program. Enjoy living a #DebtFreeStressFree life.
Original review: Oct. 13, 2016
I was doing research online when I came across CountryWide. I had some credit cards I wanted to get rid of. I called CountryWide and the reps were straightforward. I've worked with them for two years. They fixed my credit and I was also able to pay it off easy.
Thank you for reaching out to us to take care of your bad debts and judgment. I'm glad you had the opportunity to work with our team "without being judged." Congratulations on being "Debt-Free," you completed your debt consolidation program for less than the estimated settlement amount by 10% and saved additional money. #DebtFreeStressFree is the way to be!
Original review: Oct. 12, 2016
I was in an 18-month program with CountryWide years ago. I was on the verge of getting sued. So I called them. Then I got an appointment the same afternoon and they stepped in and took over everything. Everybody was friendly and helpful. I felt very comfortable talking to the person who helped me about my situation. There’s no judgment or anything from her. She had a lot of solutions for me. She gave me some plans and I decided to go aggressively with paying some of the debt off and it worked out well because I didn’t want to stay long in it. They contacted all my creditors and told them what was going on and that I'm working with them and my creditors will talk to CountryWide about everything. Now, I am debt-free - I was done paying since 2013.
Thank you for sharing your story. I'm glad you reached out to us to take care of your bad debts and stopped "disturbing phone calls" from creditors. Congratulations on completing your debt consolidation program for less than the estimated settlement amount, saving an additional $1800 and finishing sooner than expected. #DebtFreeStressFree is the way to be!
Original review: Oct. 11, 2016
I was being sued for one of my debts. Then one day, I ended up getting something in the mail from CountryWide Debt Relief. So I started talking to them and took care of all the debt I had. I did all the consultation over the phone because I live in Texas and they're in California. They did my drafts and moved pretty fast. In fact, three of my debts were taken care of within the first month. The rest of them took a little longer because they were bigger. A year later, in 2014, everything was finished which was sooner than I thought. So far, I no longer have disturbing phone calls and that’s the good thing. I’d recommend CountryWide Debt Relief to friends.
I’m glad you reached out to us when your creditors “came after [you] threatening to sue.” Congratulations on completing your debt consolidation program as planned. Enjoy living a #DebtFreeStressFree life.
Original review: Oct. 7, 2016
I had a credit card and they came after me threatening to sue me so I contacted CountryWide to resolve it. They were very professional and helped me get rid of that issue so I can try and clean up my credit report. It just closed out and it happened really fast. The gentleman that I first spoke to was very friendly and helpful.
I’m glad you reached out to us for your “problems with debt” and found the help you needed. Congratulations on completing your debt consolidation program for less than the estimated settlement amount and saving an additional $5000. #DebtFreeStressFree is the way to be!
Original review: Sept. 30, 2016
CountryWide has affected me in a good way. I had problems with my debt and I didn’t know what to do, so I got with them. They were okay.
Thank you for sharing your story. I’m glad you reached out to us for your “major credit card debt(s)” and found “relief help” with our team. Congratulations on completing your debt consolidation program for less than the estimated settlement amount. #DebtFreeStressFree is the way to be!
Original review: Sept. 29, 2016
I had some major credit card debt, so I had to look into getting some relief help. I have worked with other people in the past and one, in particular, could not take care of car loans, and that was a really bad experience. But the people at CountryWide were very professional. They always have my interest in mind, along with the other people that they wanted to get paid. Now, I only have one credit card and I don’t even have any balance on it. All my accounts have been closed and they handled it in a very professional, timely manner and it has helped me immensely.
Thank you for sharing your story. I’m happy to hear our team “did a good job and [you are] satisfied.” Congratulations on completing your debt consolidation program for less than the estimated settlement amount and saving an additional 31% - you have now “found your way out.” #DebtFreeStressFree and “high interest” free.
Original review: Sept. 28, 2016
The amount of interest that I was paying was too high to find my way out and CountryWide was really helpful. They found me things even above and beyond what they promised to deliver. They did a good job and I was satisfied.
Thank you for reaching out to us for “help with [your] credit cards.” Congratulations on completing your debt consolidation program for less than the estimated settlement amount and saving an additional 21%. #DebtFreeStressFree is the way to be!
Original review: Sept. 25, 2016
I wanted help with my credit card and I got my bills paid off since working with CountryWide. We talked to one person and had great interactions with him. They were fine.
Thank you for sharing your story; it’s great to hear our team described as “proficient and competent.” I’m happy we “[gave you] the ability to move forward with [your] life,” by eliminating your debt and lawsuit. Congratulations on completing your debt consolidation program for less than the estimated settlement amount and saving an additional 15%. #DebtFreeStressFree is the way to be!
Original review: Sept. 24, 2016
I was being sued, and I knew I was either going to go bankrupt or I'd take care of the problem. I heard others that were able to get assistance with their credit cards while they were underwater, so I decided to get help with mine. CountryWide was proficient. I got to call them back because I had a problem, and when I talked to them, they were very competent. They knew their job, and they got it done. Because of them, I have relief from debt and from people calling me all the time. That's huge. They've also given me the ability to move forward with my life.
Thank you for responding to our letter and taking the first step to find “some relief” with your bills. Congratulations on completing your debt consolidation program. #DebtFreeStressFree is the way to be!
Original review: Sept. 23, 2016
I needed some relief help and Countrywide's letter was the first I opened. I contacted them and didn’t have to worry at that time about any other bills, so it was a good experience. The people at CountryWide were very helpful and readily available whenever I had any questions or concerns.
We were trying to get out of debts fast and the people from CountryWide are the best, especially the agents that were helping us.
Factual basis uncertain
The client came to us for Debt Relief Services to avoid legal issues with his creditors. Our agreement was was for Debt Relief Services to resolve his debts that he was obligated to pay. We performed according to our agreement. In fact, our results exceeded what was originally estimated to the consumer. We help consumers by consolidating their debts and help them become debt free. CountryWide Debt Relief has helped thousands of consumers become debt free.
Original review: Sept. 21, 2016
I was looking to try to clean up my credit, and that’s what I told Countrywide. I had a bunch of stuff I needed to get taken care of to help my credit a little bit. There were about four companies and Countrywide took care of some of them which was fine. However there were a couple of them where Countrywide said they wouldn't do it because it's been too long and I couldn't get sued for it. But that’s not helping my credit ‘cause it’s still on my credit score. They were polite about it and they answered my questions but it didn't matter whether I liked it or not. They wouldn’t have dealt with it. I had to go through and mess with the other companies myself and it seemed pointless why I even dealt with Countrywide because they didn't take care of even half of them. I wouldn’t recommend them to a friend.
Thank you for reaching out to us when you “felt like [you were] drowning in debt”. I’m glad you found us in time and congratulations on completing your debt consolidation program for less than the estimated settlement amount and saving an additional 20%. You are now #DebtFreeStressFree and #WorryFree, enjoy answering your phone.
Original review: Sept. 20, 2016
I had heard about CountryWide Debt Relief through my daughter. Because I felt like I was drowning in debts, I decided to contact them. Everything was positive in my interactions with them and now I'm willing to answer my phone. I'd recommend them.
Thank you for your review. Congratulations on completing your debt consolidation program for less than the estimated settlement amount and saving an additional 17%. #DebtFreeStressFree is the way to be!
Original review: Sept. 17, 2016
Overall, I had a good experience with CountryWide. I called them up and described what my issue was. And then they told me what they did. They’re very upfront about everything, and handled my issue.
Thank you for reaching out to us to “clean up [your] credit.” I’m glad you had the opportunity to work with our team of, as you put it, “professional, helpful, sympathetic and compassionate” people. Congratulations on completing your debt consolidation program and finding “relief emotionally and relief from callers and collectors.” Enjoying living a #DebtFreeStressFree life!
Original review: Sept. 16, 2016
I wanted to clean up my credit and it was difficult based on what I was making. I was already working with a very aggressive collection company, and they had filed a case against me. I thought that I do need help with this one. Then I found CountryWide Debt Relief. The lady I worked with was very professional, helpful, sympathetic and compassionate with the way she dealt with me. Then Richard, the negotiator, was a very good negotiator. We had a 30-month deal. It was an aggressive one, but I am debt-free now. They negotiated to bring my debts 60% down, it made me liquidate all my debts in just 30 months. It was a quick relief of my debts of a high debt. It was not only debt relief but also relief emotionally and the stress associated with having a big debt, and also relief from callers and collectors.
Thank you for calling us with your credit card debt when others could not help. I’m glad you found relief and were able to “help out [your] two kids.” Congratulations on completing your debt consolidation program earlier than expected and for less than the estimated settlement amount by13%. #DebtFreeStressFree is the way to be!
Original review: Sept. 15, 2016
I was with another debt relief company but they weren't helping me very well. I then called CountryWide and told them my situation, and they helped me out right away. They were straightforward and gave me all the information. There were no hidden fees with the cost. They told me as long as I make my payments on time, then everything will be cleared. They said I could probably finish paying my debts if I put in more than what they're asking for. They also said it will take about five years, but it took a lot less than that.
Working with CountryWide was a great relief. I was able to not struggle anymore, and I'm just stretching out whatever funds that we have. We have a little extra to do other things and be able to help out with my two kids who are in college now. When everything was then settled, I received a few letters from CountryWide and they told me that even though I'm done with their program, and I finished paying and everything is settled with the companies, if I'm still receiving letters saying that there is a balance that's still due, just send it to them because everything is already settled. They said they negotiated with the companies and that's how much it was. When I received a few letters, I told CountryWide who it was from and the account number. They said not to worry about it and not to contact these companies. They said they'll talk to them about it. After that, those letters stopped. And with that, I will really recommend them.
I’m glad to hear you found our team “very professional” and your “experience has been very rewarding.” Congratulations on completing your debt consolidation program at 16% less than the estimated settlement amount. Enjoy living a #DebtFreeStressFree life.
Original review: Sept. 14, 2016
The people at CountryWide were very professional. They explained what was gonna happen and what the cost were gonna be. They did a very fine job of taking care of the situation. My experience has been very rewarding.
Thank you for sharing your story and recommendation. I’m glad to hear you found working with our team “pretty awesome.” Congratulations on completing your debt consolidation program – “everything’s been paid off” and you’re “ready to retire and [you’re] free.” #DebtFreeStressFree is the way to be!
Original review: Sept. 13, 2016
I didn’t want to file bankruptcy because it didn’t feel right to me. I got help from CountryWide Debt Relief and they were pretty awesome. They explained everything to me and worked with me all the way through. I’ve already got my credit built back up and everything’s been paid off. I’m ready to retire and I’m free. I’d recommend them.
Barbara FriedbergPersonal Finance Contributing Editor
Barbara Friedberg, MBA, MS is a former investment portfolio manager with decades of financial experience. Friedberg taught Finance and Investments at several universities. Her work has been featured in U.S. News & World Report, Investopedia, Yahoo!Finance and many more publications.
More about Barbara→
CountryWide Debt Relief is a 30-year-old debt settlement company that educates its clients about options to avoid bankruptcy. The firm is a proactive company that negotiates with debtors, coordinates repayment and teaches clients about improving their credit scores.
- Services: Debt settlement, debt consolidation, consumer credit counseling and bankruptcy guidance.
- Debt settlement: CountryWide Debt Relief negotiates with debtors to help lower the total repayment of clients' credit card(s) and unsecured debts.
- Debt consolidation: By consolidating debt into a single, low-interest loan, CountryWide Debt Relief helps clients lower their monthly debt payments.
- Bankruptcy advice: CountryWide Debt Relief helps clients explore debt repayment strategies so they may avoid bankruptcy, which can have long-lasting effects on credit.
- Debtor communication: Since many people find it stressful to negotiate with their debtors, CountryWide Debt Relief handles all communications with banks, credit card companies and other institutions seeking repayment.
- Fees: CountryWide Debt Relief charges a flat, 18 percent fee. The fee is not charged if a debt is not settled. Additionally, CountryWide doesn’t charge a fee unless the consumer can save at least 20 percent of the total debts that are enrolled in their Debt Relief program. All fees are transparent.
- Best for Consumers facing financial hardship, individuals who are late paying debts, those who lack the possibility of paying their debts in the future and those facing a bankruptcy.
Question and Answers - CountryWide Debt Relief
What problem is CountryWide Debt Relief trying to solve?
- Provide debt consolidation help for consumers looking to get out of debt.
What sets your company apart from the competition?
- CountryWide is different than the rest because we focus on solving consumers’ debt issues by recommending the best possible debt consolidation option. For consumers with good credit and good income, we recommend a Debt Consolidation loan with the primary focus on reducing the interest rate. For Consumers that have credit challenges, we can offer debt negotiation with the focus on reducing the amount of debt and time required to pay off that debt.
What needs do your product or service fulfill, and how do you fulfill those needs better than your competition?
- Our company helps consumers that are overburdened by debt. We provide a plan to help consumers get out of debt within 60 months or less.
How does CountryWide Debt Relief measure success?
- We measure success based on the completion rate of consumers that enroll in our Debt Consolidation program. While the industry completion rate is 55%, our company completion rate is at 75%. We do this because we are focused on helping the consumers get out of debt from the beginning of the process to the end. We don’t over promise and under deliver. Our underwriting guidelines are focused on helping consumers get out of debt, not on our company revenue.
How has your industry changed in the last 5 years? 10 years?
- The biggest change in our industry has been the implementation of the Federal Trade Commission’s TSR rule which prevents companies from deceptive marketing practices and unfair fees. We take pride in providing the Best Debt Consolidation program while being compliant with the Federal Trade Commission’s TSR rule.
What is something you wish every consumer knew about CountryWide Debt Relief?
- We wish every consumer knew that our Debt Consolidation Program has the highest graduation rate at 75% compared to our competitors' average graduation rate of 55%.
CountryWide Debt Relief Company Profile
- Company Name:
- CountryWide Debt Relief
- 1504 Brookhollow Drive, Suite 117
- Santa Ana
- Postal Code:
- United States
- (855) 586-5144