Alleviate Financial Solutions Reviews
Overview
Alleviate Financial Solutions has an average rating of 4.2/5.0, based on 74 reviews.
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Staff
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48 recent reviewers mentioned Alleviate Financial Solutions's staff. 95% were happy or satisfied with the staff, ranking Alleviate Financial Solutions 10th among debt settlement companies on our site.
Customer Service
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35 recent reviewers mentioned Alleviate Financial Solutions's customer service. 76% were happy or satisfied with the customer service, ranking Alleviate Financial Solutions 8th among debt settlement companies on our site.
Process
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21 recent reviewers mentioned Alleviate Financial Solutions's process. 84% were happy or satisfied with the process, ranking Alleviate Financial Solutions 8th among debt settlement companies on our site.
Transparency
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15 recent reviewers mentioned Alleviate Financial Solutions's transparency. 94% were happy or satisfied with the transparency, ranking Alleviate Financial Solutions 5th among debt settlement companies on our site.
Price
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14 recent reviewers mentioned Alleviate Financial Solutions's price. 78% were happy or satisfied with the price, ranking Alleviate Financial Solutions 6th among debt settlement companies on our site.
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Staff
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417 recent reviews we have found on the internet mentioned Alleviate Financial Solutions's staff. 94% were happy or satisfied with the staff, ranking Alleviate Financial Solutions 15th among debt settlement companies on our site.
Customer Service
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180 recent reviews we have found on the internet mentioned Alleviate Financial Solutions's customer service. 77% were happy or satisfied with the customer service, ranking Alleviate Financial Solutions 12th among debt settlement companies on our site.
Process
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104 recent reviews we have found on the internet mentioned Alleviate Financial Solutions's process. 92% were happy or satisfied with the process, ranking Alleviate Financial Solutions 14th among debt settlement companies on our site.
Transparency
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99 recent reviews we have found on the internet mentioned Alleviate Financial Solutions's transparency. 96% were happy or satisfied with the transparency, ranking Alleviate Financial Solutions 12th among debt settlement companies on our site.
Price
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25 recent reviews we have found on the internet mentioned Alleviate Financial Solutions's price. 58% were happy or satisfied with the price, ranking Alleviate Financial Solutions 10th among debt settlement companies on our site.
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About Alleviate Financial Solutions
Pros & Cons
- Free consultation
- 24/7 account access
- Not all debts qualify for debt settlement
- Can take up to 48 months
- Not available in all states
Our editor's take
Alleviate Financial Solutions 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 Financial Solutions 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 Financial Solutions will not be able to help you.
Alleviate Financial Solutions services
Alleviate Financial Solutions 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 Financial Solutions 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 Financial Solutions 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 Financial Solutions’ chosen savings account and deposit money monthly. This money will be used for debt negotiations. Alleviate Financial Solutions will not start any debt negotiations until your account has reached a suitable payoff amount.
Alleviate Financial Solutions costs
Alleviate Financial Solutions doesn't charge for a consultation, and you will not be charged a fee until your debt is settled. Alleviate Financial Solutions 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 Financial Solutions FAQ
What is Alleviate Financial Solutions?
Alleviate Financial Solutions 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 Financial Solutions 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 Financial Solutions will talk to creditors on your behalf.
Where is Alleviate Financial Solutions available?
Alleviate Financial Solutions is available in 31 states throughout the United States.
Is Alleviate Financial Solutions legit?
Yes, Alleviate Financial Solutions has been in business since 2018, and according to its website, it has helped clients settle over $300 million of debt.
Alleviate Financial Solutions Reviews
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- 4,564,720 reviews on ConsumerAffairs are verified.
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Reviewed April 27, 2024
Alleviate Financial Solutions was able to bring down my debt. We planned a period of time where I was able to pay it off and get the settlements for me. They did the program exactly what they said they were gonna do. They were very personable. They gave me a representative that I dealt with all the time. Customer service was very good. They were very accessible at any time. They would call and check up to see if we know what was going on, or if we had any problems or questions. Overall, they worked until they were able to get the settlements for the different credit cards and debt that I was involved in. They didn't say, "Oh, no. We're gonna only take six months or it's gonna take two years." It was quicker than I thought.
Thank you so much for your thoughtful review! We're delighted to hear that Alleviate Financial Solutions was able to successfully manage and reduce your debt as planned. It’s great to know that our personalized service and the dedicated representative assigned to you made a significant difference. Our team prides itself on being accessible and proactive in communicating, so we’re glad this was your experience. Hearing that we exceeded your expectations in resolving your credit card and debt settlements more quickly than anticipated is incredibly rewarding. Thank you for trusting us with your financial journey!
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!
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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 April 28, 2024
Enrolling with Alleviate Financial Solutions was very seamless and simple. The gentleman was very helpful in the whole process and it was very quick. Everyone that I've talked to has been nice and welcoming. Having debt is a stigma. I felt ashamed. So talking to everyone, it has been very helpful and they understand that I'm trying to get my life together. If you are someone who's not the most tech-savvy or who was a bit older, you might run into a couple of issues because the app is something that is pushed towards the call. You might have issues integrating yourself into setting up automatic payments. But being a younger person, I loved it.
I had a lot of debt and Alleviate slashed it. It has worked amazingly. It's always great to pay less money. My life is a lot more on track just because, having that cloud of debt and trying to figure out how to pay it off, it's gone. My payments per month are now very manageable with my paycheck. If you're serious about consolidating your debt, you should 100% give Alleviate a call and ask for assistance.
Thank you so much for sharing your positive experience with Alleviate Financial Solutions! We’re delighted to hear that the enrollment process was seamless and that our team was able to provide you with the support and understanding you needed during a challenging time. It’s great to know that our services have significantly helped in reducing your debt and making your financial situation more manageable.
We also appreciate your feedback regarding the usability of our app, particularly for those who may not be as tech-savvy. We strive to make our services accessible to everyone, and your insights are invaluable as we continue to improve our technology. We’re committed to making the experience as user-friendly as possible for all ages.
Thank you for recommending Alleviate to others who are looking to consolidate their debt. It’s our goal to help as many people as possible regain control of their finances. We look forward to continuing to support you and others in achieving financial freedom!
Reviewed April 28, 2024
Alleviate was very transparent, always helpful and quick to get answers to questions. They gave me a lot of good advice and made sure that I was aware of things that I may have needed to do on my end. They were right there with me through the whole process. I finished the program early. I just got my close-out package from Alleviate showing that all my debt had been paid off. That was a nice letter and package to get. It's like a diploma you wanna hang on the wall. I am satisfied. The numbers are going in the right direction and I have seen an increase in my credit score. However, their client portal is wonky. While I could see the status of my debt and see which ones have been settled and which ones were being negotiated, it always seemed whenever I needed to upload documents, I couldn't attach the documents. Alleviate could do well by getting an upgrade on their portal and give the user a better experience.
Thank you for taking the time to leave such a detailed review! We're thrilled to hear that you found our team transparent and helpful throughout your journey with Alleviate, and that our advice was valuable in guiding you through the process. It's wonderful to know that you've successfully completed the program and received your close-out package—it's certainly a milestone worth celebrating!
We appreciate your feedback on our client portal. Ensuring a smooth and user-friendly experience is crucial, and we take your comments seriously. We are continuously working on improving our systems, including upgrading the portal to make document uploading more seamless. Thank you for pointing this out, and rest assured, we are on it!
Congratulations once again on clearing your debt and improving your credit score. We're proud to have been a part of your financial improvement journey!
Reviewed Oct. 31, 2024
I was referred to Alleviate by my sister who's also in the program. I got into the program to consolidate my debt and then they would negotiate on my behalf. The enrollment process was pretty good. I was very satisfied with the service up-to-date that I received from them.
Maria,
Thank you so much for taking the time to share your thoughts with us! We’re so happy you’re satisfied with our program and are always just a call or message away if you or your sister need anything.
Reviewed Oct. 31, 2024
I liked the approach of the person that I worked with. I felt very comfortable and he was listening to me. The enrollment process was pretty easy.
Trina,
We’re thrilled that you felt heard and comfortable with our representative!
We’ll be here to support you every step of the way, so please don’t hesitate to reach out with any questions or concerns as you go along. We’re always here to listen and help!
Reviewed Oct. 31, 2024
The people at Alleviate Financial Solutions are thieves and crooks. They will not honor their agreements and cannot be trusted. They kept fees for settlements that were not settled. We canceled the program and they still kept the fees for deals that never went through. They also tell you upfront about a debt consolidation loan, that they will not actually give the client. Be careful because what they say on the phone and what they actually do are not the same. I would highly suggest you do not do business with Alleviate.
Thank you very much for sharing your thoughts with us, Dave.
We sincerely apologize for any inconvenience and dissatisfaction you've experienced, and we truly appreciate the chance to address your concerns.
To clarify, as a performance-based company, we apply our service fee only after a client authorizes a settlement we've negotiated on their behalf, as outlined in our signed agreement.
Additionally, while we collaborate with partnered lenders who provide loan options, each lender follows its own guidelines and regulations. We apologize for any disappointment you may have experienced in this regard.
Please know that we take your feedback very seriously. A member of our management team will be reviewing your file and reaching out to you.
Thank you again for your patience, and we look forward to connecting soon.
Reviewed Oct. 31, 2024
I got a call from Alleviate, and it was pretty much my last straw. I had to use credit cards to pay forthcoming bills with and with the interest rate that it was, it was shooting my foot. Setting things up with Alleviate was extremely easy. I was listening to them. And by the figures I was given, I would have been 96 years old by the time I got the particular amount of debt paid off. With them, it was only $20,000 something worth total. And with the interest rate, it's set up to where you can never catch up. So, the way Alleviate has got it lined out, it was a whole lot easier for me to go that route than it would be to continue on the path that I was. I was paying roughly anywhere from 850 to 1,000 in credit card debt every month. And now, I'm paying 482.
I'm only two and a half months into the program. They got a portal set up where I can review everything that's going on. And if I have any questions or concerns, I can reach out. They'll answer everything best as possible, and it's extremely convenient for an individual like myself. If somebody is in any type of debt situation with trying to get consolidation going, I would highly recommend Alleviate.
Walter,
Thank you so much for taking the time to leave such a thoughtful review!
We’re truly grateful to support you during this challenging time, and it’s great to hear that the enrollment process felt straightforward. Keeping our clients informed about their options is really important to us, and we’re so glad you chose us to help tackle your debt!
We’re thrilled to have been able to cut your payments nearly in half, making them much more affordable. We’re here to support you every step of the way, and it’s wonderful to know you feel comfortable reaching out to us. We’re always happy to help.
Thank you again for your kind words and recommendation. We look forward to staying connected and helping you achieve the debt-free future you deserve!
Reviewed Oct. 31, 2024
We had a bunch of credit that we needed to pay off and Alleviate was one of those that sent me a deal in the mail. The rep I spoke with on the phone, Charles, was nice. He was pushy though and I didn't know if I wanted to do it or not. But other than that, he was concerned about me doing it to pay off them so that wouldn't take me so long to pay it off. It was a great experience with Alleviate but we cancelled the program. They kept taking their time to do it and they said it would be three to four months before they could get it under control. I was antsy about it. All the bills were coming at me and I would just pay them when I could.
The first time I called Alleviate, they didn't even take out the money that they needed to until the end of the month. They were supposed to take it out on the 4th so that delayed them doing anything. By that time, I owed them another payment. The customer service did not get back to me. We finally got the check back that we had first written them and it took them a while. But if it had not been like that, I would have probably gone ahead with the program.
Thank you for sharing your experience with us, Jana.
We sincerely apologize for any challenges and inconvenience you may have encountered and truly value the chance to address your concerns.
While we’re pleased to hear you had a positive experience in some areas, we regret that your initial experience may have fallen short.
After a thorough review of your file, we understand that the first scheduled payment was returned due to incorrect banking information. We apologize for any confusion or disruption this may have caused and appreciate your cooperation in updating your information and rescheduling the payment.
We understand the anticipation of obtaining settlements as early as possible, and while the first settlement typically occurs within the program’s first four to six months, we feel confident we could have supported you in achieving your debt resolution within the agreed time-frame had your program continued beyond the first month.
Please know we take your concerns seriously, and a member of our management team will be reaching out to discuss this with you in more detail. Thank you for your patience, and please expect our call soon.
Alleviate Financial Solutions Company Information
- Company Name:
- Alleviate Financial Solutions
- Website:
- alleviatefinancial.com