Alleviate Reviews

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Edited by: Ashley Eneriz

About Alleviate

Pros
  • Easy enrollment process
  • Transparent service explanations
  • Debt management services
Cons
  • 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.

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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    How do I know I can trust these reviews about Alleviate Financial Solutions?
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    Page 1 Reviews 0 - 5
    Verified purchase
    Customer ServiceStaff

    Reviewed Dec. 15, 2025

    My experience with Alleviate has been extremely positive. From the very beginning, the team was professional, knowledgeable, and genuinely supportive. Daniel Valencia made this process stress free by taking the time to explain my debt consolidation options clearly and ensuring I understood each step. What I appreciated most was how manageable they made a situation that can often feel overwhelming. Communication was consistent, and I never felt judged or pressured. I finally feel like I have a clear plan in place and peace of mind knowing I’m moving in the right direction financially. I would highly recommend Alleviate to anyone looking for guidance and support with debt consolidation. They truly made a difference for me.

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    Alleviate
    Response from Alleviate

    Thank you for sharing your experience, Tiara! Knowing the process has been supportive from the start and that Daniel helped you explore your options without judgment means so much to us. We’re honored to provide peace of mind and a clear path forward—and we’ll be here to guide you every step toward a debt-free future!

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      Staff

      Reviewed Nov. 26, 2025

      My dad was drowning me and I needed help, that’s where Alleviate came in. They gave me hope and a clear path to canceling my debt and see the light at the end of the tunnel. Both advisors that I talk to were so kind and it just felt like they truly love their job and they wanted to help. Mathew O. was my first point of contact and he truly made me feel like I wasn’t judged for my debt and made me feel like I could start fresh and being in a better place. He was so encouraging and asked me how I felt and was so happy when I said I felt like a weight was lifted off my shoulders. He seemed like he generally cared, and I felt like I can trust him and Alleviate to help me. My second point of contact Josefina V. was very kind and sweet as well. I never felt like there was “I gotcha” moment and no hidden agenda like some agencies. I’m looking forward to erasing my debt and working towards a more financially stable future.

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      Alleviate
      Response from Alleviate

      Breana, hearing that you feel a weight lifted off your shoulders means the world to us. 💙 We’re so grateful you’re beginning to see the light at the end of the tunnel and thrilled that Matthew and Josefina could provide the support and compassion you deserve. Everyone deserves help without judgment, and we’re proud to be that team for you. Here’s to financial peace, one step at a time.

      Verified purchase
      Punctuality & SpeedStaffRates

      Reviewed June 12, 2025

      Very nice man I spoke to, he answered my questions and was very patient. I had a short wait time which was good and he spoke slowly so that I could understand him. I will give him a five star rating. I can’t think of any more to say thank you very much! I appreciate all your help and support from your team there. I was very nervous about doing this without knowing who you are and if I was doing the right thing, I feel good about it and that I will have a great outcome. Thank God for this blessing

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      Alleviate
      Response from Alleviate

      Thanks for letting us in on your experience, Shirley!

      We love hearing how everything came together and that your time with our team was truly 5-Stars. 🤩

      It’s not always easy stepping into something new, so it’s amazing to hear you’re feeling more confident about what’s ahead.

      Just keep following the path we’ve laid out, and if anything comes up, we’re always here to help.

      We’re cheering you on and couldn’t be happier to be in this with you! 🤗

      Verified purchase
      TechStaff

      Reviewed May 1, 2025

      Aaron ** is absolutely amazing! I was dead set on not doing debt consolidation, but he was so real about my situation and explaining it to me that it all made sense. He also informed me that I was paying another company that was not accredited with the BBB. At the end of the day I knew what needed to be done and he was there to help guide me in making the decision and it was so simple with working with him. I am absolutely ecstatic that I will be out of debt in less than five years. If anyone is ever looking to relieve the stress and the hardship that Debt brings on this is the company and Aaron ** is your guy! Let me not forget to mention that he saved me $1100 a month!

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      Alleviate
      Response from Alleviate

      Thank you for sharing this with us, Toni!

      We’re so glad Aaron helped you feel confident and guided you toward a decision that truly felt right. We work hard to earn trust, and it means a lot to know that came through from the very start.

      That monthly savings is a huge win, and we’re proud to be part of your journey toward a debt-free future!

      Verified purchase
      Staff

      Reviewed April 30, 2025

      I'm sorry I didn't have my order number. No one's ever give me one. I thank y'all for helping me with my debt relief. I'm looking forward to being debt-free and I may be able to buy a home. I thank you for being courteous and helpful. I want to say thank you for y'all's help. From the very beginning I was a little apprehensive, but I'm glad I did it now and I look forward to being debt-free. Thank you so much.

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      Alleviate
      Response from Alleviate

      We’re so glad you’re feeling confident in your decision, Primo!

      Taking this first step is no small thing and we’re proud to be alongside you as you work toward becoming debt free. Every bit of progress brings you closer to your goals, and we’re excited to see all that we’ll accomplish together.

      If you ever need your account details or just want to check in, we’re only a call away.

      Thank you so much for taking a moment to share your experience with us!

      Verified purchase
      Transparency

      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.

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      Alleviate
      Response from Alleviate

      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.

      Verified purchase
      Punctuality & SpeedStaff

      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.

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      Alleviate
      Response from Alleviate

      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!

      Verified purchase
      Staff

      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 **.

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      Alleviate
      Response from Alleviate

      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!

      Verified purchase
      Customer ServiceStaff

      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.

      Thanks for your vote!
      Alleviate
      Response from Alleviate

      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.

      Verified purchase
      Customer ServiceStaff

      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!!

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      Alleviate
      Response from Alleviate

      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!

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      Alleviate Company Information

      Company Name:
      Alleviate Financial Solutions
      Website:
      alleviatefinancial.com