Alleviate Reviews
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About Alleviate
- Easy enrollment process
- Transparent service explanations
- Debt management services
- Doesn't help with secured debt
- A few reports of password reset issues
Our editor's take
Alleviate is a good option for individuals drowning in debt. This can mean that the individual has over $10,000 in debt, multiple credit cards at or near the credit limit or is on the brink of declaring bankruptcy. Additionally, if someone has suffered unexpected financial hardship, such as a job loss or medical emergency, using Alleviate can help you get your finances back on track and avoid piling on more debt.
However, if your debt-related issues are related to secured debts, such as car loans or mortgages, or are mandatory debts, like alimony or student loan debt, Alleviate will not be able to help you.
Alleviate services
Alleviate services works with individuals to reduce the debt they owe. After a consultation, you will be given an estimate of how long your process will take.
You will need to stop paying your creditors and instead deposit an agreed-upon amount to a Federal Deposit Insurance Corporation-insured account administered by Debt Pay Gateway. Once you have enough money to settle your first debt, then Alleviate will contact your creditor to negotiate the debt payoff. The whole debt repayment process will vary per individual but typically takes 24 to 48 months.
Alleviate requirements
To qualify, you must have at least $10,000 in unsecured debt or $500 in unsecured debt per creditor. Additionally, you must prove significant financial hardship, which is done by ceasing payments to your debts. Your credit score may be impacted, and enrolled accounts may become delinquent or go to collections.
You’ll open a dedicated account with a third-party administrator and make monthly deposits. These funds are used to pay negotiated settlements, and negotiations typically begin once enough funds have accumulated.
Alleviate costs
Alleviate doesn't charge for a consultation, and you will not be charged a fee until your debt is settled. Alleviate does not list the percentage fee it charges, stating that fees vary from state to state. Compared to similar debt settlement companies, you can expect to pay a 15% to 25% fee on the amount of debt settled.
Alleviate FAQ
What is Alleviate?
Alleviate is a debt relief company that helps people in economic hardship manage their debts. It works with creditors and negotiates a reduced rate of the amount of money owed.
How does Alleviate Financial Solutions work?
When you hire Alleviate for debt relief, you'll stop paying your debt as a way of showing financial hardship. Instead, you'll open a savings account and make monthly payments, and when sufficient money has accrued, Alleviate will talk to creditors on your behalf.
Where is Alleviate Financial Solutions available?
Alleviate is available in 31 states throughout the United States.
Still have questions?
Is Alleviate legit?
Yes, Alleviate has been in business since 2018 and reports helping clients settle over $300 million in debt. While a couple of reviewers reported issues with password resets and voiced some concerns about program effectiveness, customer feedback is overwhelmingly positive, with the majority of reviewers highlighting knowledgeable representatives, responsive support and clear, consistent communication throughout the debt settlement process.
Alleviate Reviews
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Popular Mentions
- 4,901,083 reviews on ConsumerAffairs are verified.
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- 4,901,083 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Reviewed April 30, 2026
Very Good Customer Service and Appreciation that leads to quality assurance to each customer!! Appreciation, Appreciation, Appreciation that goes beyond the call of service!
Thanks for sharing your experience, Jeffery! We appreciate your feedback and are thrilled to hear your agent delivered the level of service we strive for. We’re grateful to be part of your debt‑free journey and look forward to all the progress ahead. We’re here for you every step of the way.
Reviewed Jan. 28, 2026
The most important thing to me was when Nancy got on the phone she wanted to help me! She was kind and professional. She was not judgmental and if I needed clarification she gave it to me. Alleviate also follows up with a welcome package and thoroughly goes over that with you also. You do feel very comfortable with their process once you go through the introduction process. You are left with a dashboard on your phone or computer with all your information in front of you.
Thank you for sharing your experience, Marlene! We’re so happy to hear that Nancy’s genuine compassion and judgment‑free support helped provide clarity. We’re glad reviewing the welcome packet with our team left you feeling comfortable with both the process and dashboard access. We’re honored to support you on your debt‑free journey and can’t wait to see your progress unfold! 💙
Reviewed June 11, 2026
Everything was explained very well and it went very smoothly. The gentleman was very pleasant, answered my questions, really felt comfortable. And I made the right decision for them to help me get out of debt. I feel a great weight lifted off of me. Thank you
Carolyn, knowing you feel a sense of relief is incredibly meaningful to us. We're thrilled your representative provided the clarity and support you needed to feel confident in your next steps. If any questions come up along the way, we're always here to help. Thank you for taking the time to share your experience!
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Reviewed April 1, 2026
Krista was helpful and polite and understanding when I would ask questions. She would take time to listen and answer me. She would not rush me and she was patiently waiting for me when I needed to look for information regarding the store's account.
Sylvia, service is at the heart of everything we do, and we couldn’t be happier to hear that Krista took the time to truly listen and support you every step of the way. Thank you for sharing your experience, we look forward to continuing to support you as you work toward your goals!
Reviewed March 26, 2026
These people are the best. I talked to a lady yesterday. I believe her name was Shannon. Got a lot going on so my mind is well you know life. They have ease my mind. Made me understand everything and I'm looking forward to the future with you. Thank you so much Miguel **.
Priscilla, hearing that we’ve helped ease your mind truly means everything to us. We’re so glad Shannon was able to provide clarity on the path ahead, and we look forward to supporting you as you reach your goals!
Reviewed March 23, 2026
Tetras did an excellent job giving me a detailed summary of the policies and procedures I will expect. He also made sure I knew what to do at each step of the way, including with creditor calls, etc. His very helpful call was another step in Alleviate’s thorough and responsible handling of my current situation. Many thanks!!
Ewin, we’re so glad you’re here and even happier that Taras was able to guide you through the process step by step! We’re excited to support you on this journey and can’t wait to see all the progress ahead. Thank you for sharing!
Reviewed March 20, 2026
It was very frustrating for me because no matter how many times I tried I never could get my password changed. I typed in what I wanted and it would not let me login with it. I just bypassed it and put in what data I could.
We appreciate your feedback and are honored to support you on your debt‑free journey.
Reviewed May 19, 2026
Great support company and excellent customer service team to help us to improve our knowledge of the program to ensure that we know how its work and the benefits and requirements to finish the program faster.
Thank you for taking a moment to share your experience, Eddy! We truly appreciate your feedback and are honored to be part of your debt-free journey. We’re so glad you received the support you deserve and look forward to being with you every step of the way to the finish line. If any questions come up, we’re always here to help!
Reviewed April 23, 2026
The person I spoke with was knowledgeable and answered all my questions concisely and was very professional. I left the call feeling satisfied that Alleviate is a professional service and am satisfied with the program thus far.
Christopher, hearing that you left the call feeling satisfied means a lot! We're delighted Liliana was able to help answer all your questions and we're always happy to help if more come up!
Reviewed April 21, 2026
Michelle assisted me by walking me through with my consolidated debt. She had a perfect & outstanding experience. I was fully enlightened, a great customer service personnel and very awesome over the phone. I will therefore rate her a 100%
Thanks for sharing how it went, Frederick! Service is at the heart of everything we do, and we’re delighted Michelle was able to walk you through the process. Just to clarify, our program focuses on negotiating debt for a lower amount owed—not consolidation. If you have any questions or need support, our Client Success team is always happy to help at 888‑879‑9777, Monday–Friday, 6am–6pm PT.
Reviewed April 11, 2026
The overall experience has been long and drawn out. I’ve had to speak to a dozen people or more on updates to my account that keep going in circles. I hope the process goes smoother throughout the term.
Dear Amy,
Thank you for sharing your feedback. We’re sorry to hear that your experience may not have been as smooth as expected and we appreciate your patience throughout the process. We understand that you were able to connect with a member of our leadership team to further address your concerns, and we value the opportunity to continuing to support you as you move forward in the program.
Reviewed March 26, 2026
Sam was very helpful but Rafael just wanted to rush me through the onboarding. He kept referring to pages in the welcome packet that he knew I couldn't login and see to follow along. Rafael seemed just want to get off the phone. I felt uncomfortable talking to him.
Thank you for reaching out, Ellen.
We’re glad Sam was able to assist and are sorry to hear about your experience. We appreciate you bringing this to our attention. A member of our management team has been assigned to contact you directly to learn more.
Reviewed March 19, 2026
As a result, I experienced a significant negative impact on my credit, which declined by over 200 points. Due to these circumstances. It is literally getting to the point that I need a lawyer.
Based on my experience RUN, RUN, RUN!!!! I encourage others to thoroughly research and carefully evaluate before engaging with them. They are dishonest. They have no knowledge, and if you want to be financially ruined for the rest of your life... then I would say to go ahead and consider them. I have ran businesses and been in real estate for quite some time, and I've never seen as unethical practices as I have within this company.
Dear Jamie,
Thank you for taking the time to share your feedback.
While credit impact is disclosed and is a standard part of any debt‑resolution process, our goal has always been to help individuals facing financial hardship reduce their overall debt burden through negotiated settlements. Consistent with that goal, our records indicate that we were able to successfully negotiate and settle multiple accounts on your behalf during your enrollment. That said, we recognize you still have concerns, and we appreciate the opportunity to address them. We understand you're working with management to address your concerns. and we look forward to reconnecting with you soon.
Reviewed March 10, 2026
I thought the gentleman was friendly and most helpful. Very thorough. I have a little hearing problem but he was very patient and understanding. I thought the background noise made it very hard to hear him at times. But overall, a very pleasant phone call.
Camille, we regret any difficulties you encountered, and we’re pleased to know your representative offered a thorough and reassuring experience. We’re always happy to help and look forward to supporting you on your path to becoming debt free.
Reviewed March 10, 2026
Tamaryn spent over 1 hour with me today making me feel very comfortable with the process. She gets 10-Stars!! I was extremely skeptical to begin with. Now, an hour or more later, I’m completely comfortable and prepared for what is coming next.
Thank you for taking the time to share your experience, Richard! We’re so glad Tamalyn was able to walk through the details with you and help you feel confident about the path ahead. We’re excited for your progress, and we’re always just a call away if you need anything.
Reviewed March 6, 2026
So far so good. Explained program. They called me along the way to follow up and keep me informed about what I would be doing/ and what they are doing. Very pleasant individuals to work with. It’s a better way to get rid of all the debt hanging over my head.
Jacqueline, we truly appreciate your feedback and are so glad to hear you’ve felt well‑informed throughout your experience! We look forward to helping you achieve your goals and are honored to support you on your road to financial freedom.
Reviewed Feb. 27, 2026
My experience with Leo was awesome. I commend his exceptional customer service. He was very detailed on explaining the process of this program. I am really thankful to have dealt with such great customer service.
Thank you for taking a moment to share your experience, Laura! We’re delighted to hear that Leo exemplified the level of service we pride ourselves on and made your experience exceptional. We’re excited to support you throughout your debt‑free journey and look forward to all the progress ahead.
Reviewed Feb. 20, 2026
Well this is something I have never done and I figured it's better than doing a bankruptcy because I've been through that years ago. Was hoping to get all of debts taken care of but there were a few that were under the $500 limit so I'm keeping those and the extra $900 a month that I'll be saving will pay those off. And hopefully within the next year per year and a half I should be clear of about $14,000 in debt. It might be a little rough the first few 6 months, but I will hang in there and get rid of it this debt once and for all and stay out of debt.
Thank you for taking the time to share your experience, Raymond.
We’re grateful you gave our program a chance and excited to support you on your debt‑free journey! While your estimated program term is 40 months, most clients see their first settlement within the program’s first six months. We’re dedicated to helping you reach your goals, and we’re always here if questions arise—just give us a call.
Reviewed Feb. 1, 2026
This is the worst company ever that destroyed my credit and then wanted more money and took over $5,000 for me that they would not return. Also their employees are very unprofessional. Stay away from this company. Very bad.
Dear Leo,
Thank you for sharing your feedback. We’re sorry to hear you were disappointed with your experience and appreciate the opportunity to respond. A member of our management team has been assigned to reach out to you directly to address your concerns.
While credit impact is disclosed and can be a part of the debt resolution process, we want to note that our team successfully negotiated and settled more than half of your enrolled debt within ten months of your estimated 36‑month program.
While we do assess fees for our services as outlined in our agreement, we understand that you have concerns and value the chance to discuss them further.
Reviewed Jan. 28, 2026
My experience with Alleviate Financial has been extremely disappointing. I enrolled only one credit card in their program, yet they provided no meaningful assistance. The law firm assigned to my case also failed to take appropriate action. Despite their assurances, they did not prevent legal proceedings, and I was ultimately sued. As a result of their inaction, a judgment was entered against me, and my wages are now being garnished—leaving me owing more than the original debt. Based on my experience, I strongly encourage others to exercise caution when considering this company.
Dear Glenn,
Thank you for taking the time to share your feedback. We’re sorry to hear about your disappointment, and we understand your concerns regarding your legal service provider. We’d like to review everything in detail for you; however, we’re unable to locate an account based on the username and information provided. If you could email your contact details to reviews@alleviatefinancial.com, our management team will be able to locate your file and connect with you directly. We appreciate the opportunity to assist and look forward to connecting with you soon.
Reviewed Jan. 22, 2026
The Welcome call was very helpful and informative. The explanations and answers were thorough and helpful. Working through all of process was easy to follow and easy to understand. All of my concerns were resolved and addressed during the call.
Clem, we’re so glad everything went well and that we were able to resolve your concerns! Thank you for sharing your feedback, we’re always here to help.
Reviewed Jan. 15, 2026
This process was explained really well and was easy to understand. The same person spoke to me the entire time. I wasn't put on hold for a lengthy time. I was always told that this process would take "x-x minutes" and that time frame was accurate. Excellent experience.
Chris, we’re so glad everything was clearly explained and easy to understand within the time provided! We’re thrilled your representative made it such a great experience. We look forward to seeing your progress and are always just a call away if you need anything.
Alleviate Company Information
- Company Name:
- Alleviate Financial Solutions
- Website:
- alleviatefinancial.com
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