Alleviate Reviews
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About Alleviate
- Easy enrollment process
- Transparent service explanations
- Debt management services
- Doesn't help with secured debt
- Required to open an Alleviate savings account
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. Note that this can have negative implications and your credit score will be affected and creditors will change your status to delinquent and then to collections.
You will also be required to open a savings account with Alleviate’s chosen savings account and deposit money monthly. This money will be used for debt negotiations. Alleviate will not start any debt negotiations until your account has reached a suitable payoff amount.
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 Financial Solutions legit?
Yes, Alleviate has been in business since 2018, and according to its website, it has helped clients settle over $300 million of debt.
Alleviate Reviews
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- 4,680,612 reviews on ConsumerAffairs are verified.
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- 4,680,612 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Reviewed May 30, 2025
We are so grateful to have found this program. Everyone has been so kind. We never expected to be in this financial situation. We were looking at losing our home. We couldn’t make our bills and every month it got worse. The Alleviate program has given us hope. We’re so grateful that we didn’t have to file bankruptcy. Thank you so much for all your help.
We’re beyond grateful you found us, Debbie.
Life can be unpredictable and we’re so glad we could be here for you. Knowing that our program has brought you hope means everything to us and is truly why we do what we do.
We’re honored to be a part of your journey to becoming debt-free and can’t wait to see you reach the other side, stronger than ever.
Thank you for taking a moment to share.
Reviewed April 3, 2025
Everything Alleviate has promised has come to pass. I found myself in a hole I was never going to get out of on my own. I had to put my pride aside and ask for help. Not only did they make the process easy, but they maintained my pride so I could pick myself up and keep this journey going. I cannot stress enough that it is never "over". One just needs to make changes and Alleviate will always be there to aid you with the adjustments needed.
Thank you so much for sharing this, Jesus.
It’s not easy to admit when you’re struggling, let alone reach out for help, and the fact that you did speaks volumes. We know how hard it can be to feel stuck, and we're truly grateful you trusted us to help you through it.
Your words are a powerful reminder that it’s never too late to turn things around. There’s always a path forward, and sometimes it just takes that one brave step to find it.
We're proud to be part of your journey and want you to know we will be here for you every step of the way. You've already done something incredibly strong by choosing change, and that deserves real credit.
Reviewed March 5, 2025
I received a call from Alleviate Financial Solutions' representative, Adam. Initially, I was skeptical about services like these due to the amount of personal information involved, as I often feared they could be scams. However, Adam was quite convincing and professional, which made me consider their program.
Currently, I'm in the early stages of the program, so I can't fully judge its effectiveness yet. They promised to negotiate my debt on my behalf and provided me with an online account to track my progress, which I can control directly. This setup gives me some reassurance, although I remain cautiously optimistic.
Adam stood out for his professionalism and expertise, setting him apart from others. Thanks to his approach, I decided to proceed, knowing I could cancel if I felt uncomfortable at any point. Overall, I would rate my experience with Adam highly, around a five. However, I'm still waiting to see how the program will ultimately impact my financial situation. If it successfully reduces my payments over the next few years and stabilizes my credit, it will be a tremendous help. I'm hopeful, but only time will tell.
Lulzim,
We completely understand that joining a new financial program can come with some skepticism, and we truly appreciate you choosing us to help resolve your debt.
Your security and peace of mind are our top priorities, and we want to assure you that your personal information is handled with the utmost care and confidentiality.
While it may take time to see the full impact of our program, we’re glad to hear that Adam’s professionalism and our online tools have provided you with some reassurance. We’re committed to delivering the best possible results and will be with you every step of the way.
If you ever have any questions or just need a little extra reassurance, please don’t hesitate to reach out. We’re always here to support you.
Thank you for your trust and patience, Lulzim.
We look forward to helping you achieve the debt-free future you deserve.
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Reviewed Sept. 23, 2024
I heard about Alleviate Financial through my boyfriend who has used them before to get out of a sticky situation. And I chose to use them because the initial call that I got was pleasant. It didn't seem like there was any runaround like a couple of other companies that I had spoken to. So, it seemed much more transparent and straightforward with how the fees are applied from what I pay. My total debt is $8,200 and Alleviate took what I'm paying now. So, all my bills together are 345 a month to pay all three cards. And they got it down to 299 a month. That's not a huge difference, but for me, it is. It helps me immensely monthly. It also helps me because before I called, I was paying the minimum payment, which was paying the interest fees that came every month. So, the card debt was never going down. From my notes, it sounds like there is no more interest building. We're just paying down what's owed.
I have the client portal and I can easily get on it. There are two different ones that I've now signed up for, one with Alleviate and then one with an affiliate to their company. I can look at what's going on with the account, make the payments and upload documents. It's simple. Alleviate is incredibly easy to work with and they work with us very well. I was listing, down to the paper products, toilet paper, and paper towels that I buy for my house, and they take into consideration every financial burden to come up with plans for people. The people that you talk to treat you like a human instead of just another account. But once I'm paid off, I'm never getting back into debt again. It's too hard to manage with the interest rates.
Jenicka,
Thank you so much for taking the time to share your thoughts with us!
We’re honored that you chose Alleviate to help you through a challenging time, and it means the world to us that you’ve found our support helpful. Our goal has always been to ensure that our clients feel cared for and supported as they work toward a debt-free future, so it’s wonderful to hear that you’ve had such a positive experience with our team from the very beginning.
We also pride ourselves in transparency, so it’s great to know you’ve found our program more straightforward and clearer compared to others. We understand how stressful financial hardships can be, and we’re so happy we could help you find a monthly payment that better fits your needs.
While creditors control their interest rates, we’re committed to negotiating the best possible settlement on your behalf.
Lastly, we’re thrilled that you find our portal easy to use and that working with us has been a positive experience overall. We’re here to support you every step of the way, so please don’t hesitate to reach out if you ever need anything!
Reviewed Sept. 22, 2024
I lost part of my job and I wasn't making enough money. I called Alleviate and going through their program, it doesn't make me feel as bad and as guilty not paying what I owe people. But at least, it's helping me out and it's still paying them in the long run. And that makes me feel better. I believe that you are your own responsibility and you need to take responsibility for your actions. Alleviate's reps were very nice. Alicia was amazing and she walked me through what the program was. When I was still very nervous about it, I talked to her manager and she walked me through the process as well, letting me know the way they do certain things. They explained that the creditors were still getting paid, but they weren't getting the interest on top of everything else. I was very scared about it but Alleviate's reps calmed my nerves.
My biggest thing was my credit score going down because that is one of the hardest things, to be able to know that you're good for a minute then all of a sudden, your credit score drops. And if an emergency happens and you need to have credit but you don't have it, Alleviate also assured me that it wouldn't take long for me to build my credit back up to where it's currently at. What impressed me the most was that they actually just wanted to help. But this is just the beginning of my debt settlement. So, we will see how it goes in the future here. If you're struggling and you need the help, go with Alleviate. And even if it's something that you decide not to go with, they will listen.
Amanda,
Thank you so much for sharing your thoughts with us!
We’re truly grateful to support you during this challenging time and to be part of your journey. It’s fantastic that our program has helped you feel more positive about the situation. We know life can be unpredictable, and we’re glad we could offer some relief and a plan for achieving the debt-free future you deserve.
We want you to know that we’re here for you every step of the way. If you have any questions, concerns, or simply need someone to talk to, please don’t hesitate to reach out.
It warms our hearts to know you felt our genuine desire to help because that’s exactly what we aim to do. We’re thrilled that you’ve had a positive experience with our team, and we look forward to connecting with you again!
Reviewed July 21, 2024
The offer that I found through Alleviate to consolidate all of my stuff together was fairly cheaper than what I was paying monthly for all of my bills and fees. Also, they said that if I had legal actions that collectors were trying to come up with, they would be there to help me through that process. I spoke with them on the phone for a good half an hour and they answered every question that I had.
I told them straight up that I was trying to make sure that this wasn't a scam and they were very understanding of that. They were patient with me, gave me the option to give it a couple of days and think about it, and gave me direct numbers to call them back. I wasn't going through another person and going through the whole process over again. I was able to call and speak directly to the person that I’d started the process with to finish it. Also, they were real good at making me feel comfortable with going ahead and doing that. The whole application process took an hour.
Everything's been great and I'm 100% happy with the autopay. The only thing is they came to a settlement with one of my debt collectors and I wish that I could get a little bit more communication on where we're going with the other few that I have, have they been contacted and that kind of stuff. I still am getting phone calls from those other debt collectors, trying to get me to pay them, even after I told them that I'm working with Alleviate. I'm curious as to where Alleviate is at with contacting them. But when they did get one debt collector to come up with a settlement with them, they were real good at calling me and going over it with me.
Justin,
Thank you for taking the time to leave such a detailed review. We are honored that you chose our debt relief program and are pleased to have provided you with a lower monthly payment amount. We strive to offer a great experience from the initial consultation to graduation, and we are overjoyed to learn that our intake agent handled your case with great care and patience.
We are delighted that you are satisfied with the payment method and have had a positive experience with us. Regarding your concern about updates, we recently attempted to contact you for your periodic review but we could not reach you. We understand that life can get hectic and assure you that we are here and ready to help whenever you need us.
We appreciate you sharing your experience with us and look forward to our next interaction!
Reviewed July 19, 2024
Alleviate Financial Solutions trashed what we had left on our credit reports. It put my husband below 500. And I'm barely above 500. We were over 600. Alleviate made us wait for three months before they started doing anything. They said we had to get severely delinquent. We have been paying on time or close to on time. It wasn't hurting our credit. But we just had a lot of it and we needed to get some of it down because we were moving and my husband wouldn't have a job paying as well. So, it was imperative we get our payments down. And it trashed our credit report. But Alleviate handles it. They get some of the debt taken down. And we pay them off. They give us a monthly payment. It's a set amount that was less than what I was paying. I was happy about that. They have negotiated with two of the credit cards to lower the amount due. And they have stopped the credit cards from calling us.
Thank you for taking the time to share your thoughts, Linda.
We genuinely understand your concern regarding the impact on credit scores and appreciate your valuable feedback and patience. Enrolling in a debt resolution program can adversely affect your credit; however, our primary goal is to help you achieve financial freedom through more manageable payments. While there may be a decrease in your credit in the early stages, the creditor will report to the credit bureau once the account is paid off. Demonstrating financial hardship allows us to negotiate favorable settlements on your behalf.
We're pleased to hear that you are satisfied with the reduced monthly payments and the progress made thus far. Should you have any questions or need further assistance throughout your journey, please do not hesitate to reach out to us. We're always here to help!
Reviewed June 16, 2025
So far the process has been made easy. Hopefully this remains true and ends successfully with our debt more under control or alleviated. Everyone we have spoken with has been kind and generous. So willing to be as helpful as possible. I still don’t fully comprehend how the process works, but I am willing to trust it.
Susan,
We really appreciate you taking the time to share this! It’s great to hear things are off to a smooth start and our team has been so supportive. 😄
It’s completely normal for the process to feel a bit confusing at first, and we’re here to help everything make sense as you go.
If anything ever feels unclear or you’d like to revisit something, don’t hesitate to reach out. We’ve got your back and are always just a call away.
We’re excited to be on this journey with you and truly appreciate the trust you’ve placed in us!
Reviewed June 16, 2025
Soloman was great and made me feel comfortable through the process. I’m confident that I can now get my financial situation under control. It is important that there is a team that fit that helps me from start to finish. They have assured me that this will happen. I can always reach out if I need help.
Thank you for stopping by and sharing your experience, Miguel!
We’re so glad to hear you’re feeling confident and in control after your conversation with Soloman. You have a full team behind you, and we’re looking forward to supporting you throughout your journey. 🫱🏼🫲🏼
Reviewed June 14, 2025
I consider my experience to be acceptable and fairly good. Although I was busy at work, Oscar took the time which was necessary to run over the main points, it took 22 minutes to finish the welcome boarding and he already promised me before that it will take 20 minutes.
Thanks so much for your feedback, Hayan.
We really appreciate you squeezing us into your busy day to go over everything. Even though the call ran a couple of minutes over, we're glad to hear it still went smoothly.
If we ever reach you at a busy time, you can always give us a call back whenever it works best for you!
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
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! 🤗
Reviewed June 11, 2025
Am very pleased with the help and instruction shared and explained the contract making sure all my questions were answered before moving on, when needing more clarification on each of my question, thank you for being very professional and willing to help, I feel that I have been giving all of their undivided attention. Thank you.
We’re over the moon to hear this, Michael! 😄
So glad you had the space to ask all your questions, yes, even the tricky ones, and explore everything at your own pace.
We’re always here to help (and yep, still giving full attention 👀).
Thank you for sharing your experience!
Alleviate Company Information
- Company Name:
- Alleviate Financial Solutions
- Website:
- alleviatefinancial.com
