JG Wentworth Debt Relief

JG Wentworth Debt Relief

 3.9/5 (432 reviews)
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JG Wentworth Debt Relief

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Overall Rating3.9 out of 5
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About JG Wentworth Debt Relief

JG Wentworth has been helping individuals overcome financial hardships for more than 30 years with a variety of financial solutions. JG Wentworth Debt Relief’s services can help reduce or eliminate your unsecured debt in as little as 24 to 48 months. The company negotiates with creditors on your behalf and may be able to settle your debt for significantly less than what you owe.

Pros & Cons


  • One monthly payment
  • Good credit not required
  • No upfront fees


  • Not available in all states

Bottom Line

JG Wentworth Debt Relief can be helpful to those with $10,000 or more in debt. Although there are fees associated with their services, these fees are only charged as your debt is settled.

Top JG Wentworth Debt Relief Reviews


Customer service was very prompt. Within a couple of months, I saw my debts getting settled. I get a text and I can accept the offer right there so it makes the process easier. .....

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It was a great opportunity for JG to handle my situation. They kept me informed of all business. And was concerned about my well being. They kept me financially stable being to ca...

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What does JG Wentworth Debt Relief do?

The JG Wentworth Debt Relief's program assists individuals with unsecured debts, primarily credit card debt, medical debt, personal loan debt and private student loan debt. To qualify for the company's program, you must:

  • Reside in a eligible state
  • Have more than $10,000 in unsecured debt
  • Be able to afford the monthly program payment

A certified debt specialist will review your debt to determine if you qualify for the JG Wentworth debt relief program. If you choose to enroll in the program, JG Wentworth Debt Relief will begin working with creditors on your behalf to lower your debt.

How much does JG Wentworth Debt Relief cost?

JG Wentworth Debt Relief does not have any upfront fees. Fee percentages, typically between 18% to 25% of your enrolled debt amount, are only paid once the company settles each debt. The actual percentage depends on your specific situation and state regulations.

Fees are calculated into your monthly program payment and will never increase. You are free to cancel the program with no penalty at any time during the debt settlement process.

How long does JG Wentworth Debt Relief's program take?

Although the program length varies, JG Wentworth Debt Relief states that the average individual can pay off their debt within 24 to 48 months of starting the debt relief program.

We recommend asking a certified debt specialist how long the program took for people in similar situations to yours.

JG Wentworth Debt Relief FAQ

Where is JG Wentworth Debt Relief available?
JG Wentworth Debt Relief services are currently available in 30 states and Washington, D.C. The company operates in:
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Florida
  • Idaho
  • Indiana
  • Iowa
  • Kentucky
  • Louisiana
  • Maryland
  • Massachusetts
  • Michigan
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • Pennsylvania
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington, D.C.
  • Wisconsin
Will JG Wentworth Debt Relief affect my credit rating?
Enrolling in any debt settlement program will likely have a negative impact on your credit rating because you choose to stop paying your creditors. As your debts start to settle and you maintain good credit behavior, your credit rating will likely begin to improve.
What types of debt are eligible for JG Wentworth Debt Relief’s program?
JG Wentworth helps individuals with more than $10,000 in unsecured debt, which includes credit card debt, medical debt, personal loan debt and private student loan debt.

Is JG Wentworth Debt Relief really worth it?

JG Wentworth Debt Relief’s program is completely online, so the service might be ideal if you have at least $10,000 in high interest unsecured debt, are unable to get approved for a debt consolidation loan or are looking for an alternative to bankruptcy.

JG Wentworth is a member of the American Fair Credit Council and has been helping individuals overcome financial hardships for more than 30 years. The company provides a free savings estimate that can help you decide if its program is a good fit for you.

JG Wentworth Debt Relief Reviews

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Page 1 Reviews 0 - 5
Verified Reviewer Verified Buyer
Original review: June 2, 2023

I spoke with a rep when I called JG Wentworth the first time. I just came back to the agent that I had spoken to initially. I was scared to take the program at first. When I first talked to the agent, I wasn't behind on any bills but I was only making minimum payments. Other things happened during that time period where I knew I wasn't going to be able to keep up with the payments alone. I was no longer working and having the income that I previously had. That was gonna make me fall behind so I went ahead and tried JG Wentworth. It worked out for my benefit once I saw what the agent was saying initially.

I had to send in all the statements that I had from previous charge cards accounts. JG Wentworth has your income and what your monthly income would be. From there, they work with you to say, "This will be the amount that we calculate," as well as how you can pay them off. They said it was a set amount and they asked if I was comfortable with paying that amount. They try to work with you and they send a statement out saying each month, if somethings comes up and if you can't make that payment in time, you should let them know. But you have to do it in a timely manner so they may have to set the payment back.

Customer support was pretty good. I mainly dealt with them a lot by the email. I wasn't that tech-savvy but I was able to take pictures of some of the statements and send them in that way. The agent will call you back, if need be. They were friendly staff and they ask you if you had any questions and try to assist you. JG Wentworth has been really good to me. My program is not complete yet but it's been working and it's really helping me. They encourage you to put more money in. I've only done it once or twice.

Another company reached out to me about getting a loan. But I was scared to take that. I've gotten used to doing this program. I don't want it to come back to haunt me. They may come up and say that I have to pay more than what I am normally paying for the program. I have been doing well so far with the program. I would definitely suggest to friends to give JG Wentworth a call to see if they could help them in their situation.

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    Verified Reviewer Verified Buyer
    Original review: Feb. 23, 2023

    JG Wentworth laid everything out - how they were gonna do stuff. Every time they would contact one of the debtors that I had, they always kept me informed, which was the biggest thing. Whether it was through email or text, I always knew the whole process. Also, if I had any questions, they were always there to answer me.

    They explained to me, in some instances, that the process could take a little bit longer than others because they have to wait for the creditor to consider the account delinquent. Some creditors were easier to deal with as far as wanting to settle the account and others were a little bit harder. Every once in a while, they would have to reach out to me and get both of us on the phone at the same time to give them permission to access the account or settle the account. But they were always there.

    Most of the time, the person that was handling my account was always available. If not, he called me back as soon as he got off the next line. The way the program worked was I could continue to make the monthly payments that I was making and it would go to the creditors from that point. But they had a program where they had another company that worked with them that offered me a loan. It was a higher interest rate loan than you would normally get but considering my credit status, it gave me an opportunity to pay everything off.

    I was approved for the loan which was right about the same amount as the monthly payments that I was paying before. But it takes 40% if you add everything up completely. I accepted the loan terms and that money was sent to JG Wentworth who pay the creditors. Instead of it being strung out for three years and always showing delinquent, it's gonna show as being paid. It'll still show as delinquent but paid and it's gonna have a better status. Once all these accounts are paid, my credit score should go back up.

    JG Wentworth Debt Relief response

    Hi Ronald! We are pleased your program has been such a positive experience - we are excited to be on this journey toward the financial future you deserve!

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    Verified Reviewer Verified Buyer
    Original review: Feb. 14, 2023

    When I called JG Wentworth and told them what I was looking for, they told me they didn't do it but they could offer me something where I could consolidate all of my credit cards by only paying one payment a month to them. I told them that was not what I was looking to do. The guy explained that service to me and that the consolidated payment would be less than all of the payments put together that I was already paying. It'd be easier instead of remembering all the different days of the month.

    We did it and I like it. The process was easy. The guy who was assigned to talk to me was so friendly, informative and easy to contact. They never at one point stopped having me talk to that guy and gave me to some stranger that I had to then explain everything. I even communicated with him through text messages. It was super convenient. I was impressed by it. They ultimately sold my debt to another company so now, I'm paying the same amount that I was paying to JG Wentworth on the same date, but to a different company. They kept all the terms the same. I also got letters in the mail, like JG Wentworth said I would, from the original creditors saying the letter signified that I have satisfied the debt and it's been paid.

    JG Wentworth Debt Relief response

    Hi Brent! We're so happy your program is going so well - thanks for sharing!

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    Verified Reviewer Verified Buyer
    Original review: Nov. 20, 2022

    Coming from step one, when I put the application process in, JG Wentworth contacted me. They helped me through step-by-step to where I needed to get stuff going and what I needed to get done as far as paperwork and contacting the other creditors. Once I got the paperwork in, they handled it. The program was able to get me on a schedule and to help me talk to the creditors that I had. Setting up a budget for me has taken a lot of stress off. "Okay, this is how much you can do, or this is what you kind of need to do. If you can make it happen, great." The program got me hooked online to get my debts taken care of.

    JG Wentworth made it very easy for me to go through the program and to continue on with my life. I've gotten online about once a month to check on the program, as well as been informed by JG Wentworth of where things stood. Two of the creditors have been taken care of, and we're still working with one of them right now. We're almost a year and a half in to the program, and we're about halfway through. So far, it's been really good. Working with JG Wentworth has helped me out a lot, and I'm very fortunate that this came along at the time that it did. I would highly recommend it if someone was in a tight pinch or needed some financial assistance.

    JG Wentworth Debt Relief response

    Hi Brian! It is so nice to hear you are having such a positive experience with our team - thanks for sharing!

    2 people found this review helpful
    Verified Reviewer Verified Buyer
    Original review: Nov. 5, 2022

    The JG rep called me and I really enjoyed working with him. He made the process pretty streamlined and I was able to understand the process by just speaking with him. He was good. With the whole process and with me staying on top of my payments and everything on time, I was able to get a consolidated loan. It wasn't the best as far as the percentage rate and everything wasn't that great, but I'm doing a lot better now. There was one thing that I’m upset about. I got something via email the other day saying that one of the creditors that I had come to an agreement or settlement with is now making the rest of my loan taxable income and I was not told that. I'm a little concerned.

    That aside, I would recommend JG. My experience was good. But for anyone that does it, the person would have to have a lot of patience and understand that the process is going to continue even after one graduates from the program. It is a process and it is something that's not going to happen overnight. But if you stick to it, eventually, it will start showing itself. At this point, I'm seeing a slight rise in my credit score. My credit score got down to the low 500s as I went through the program. Now, it's back up to 600. It's not a great credit score, but it's getting there.

    JG Wentworth Debt Relief response

    Hi Rashida! It is great to hear you are having such a positive experience working with our team to find the best path for you - we are excited to be on this journey toward the financial future you deserve!

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    Verified Reviewer Verified Buyer
    Original review: May 27, 2023

    My experience with JG Wentworth has not been what I thought it was gonna be in the beginning. It ruined my credit score really badly. They only settled two cases. A credit score in the United States is such a huge thing. I can't get any credit cards and the thing is I'm gonna pay them. It's not like I want bankruptcy, but it ruined my credit cards. My husband and I did it. Right now, I have a baby. I need to get another car. I can't even do that because my credit score is so screwed up because it's taking so long for them to settle this. Wentworth told me it was gonna take maybe six months at the most for me not to pay the payments, and then they were gonna settle. They didn’t really start doing anything until the fourth month when I called and asked why it is taking this long. They told me that I had to not pay those so they can be able to do something. I'm already going on 11 months with this.

    The service is not good. I'm being sued by Macy's and I'm sure they know at this point because I send them a letter the first time I got something. I have to get served at my house, and I have to email it to them when I already had put a paper scan. They don't call me and let me know, “Hey, this might happen.” I don't hear anything until I reach out to them. I have to be the one to scan stuff. I wish they could communicate with me more and provide more customer service instead of me always reaching out.

    JG Wentworth Debt Relief response

    Thank you for your feedback - we asked a representative to reach out and discuss your concerns.

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    Verified Reviewer Verified Buyer
    Original review: May 26, 2023

    They have been so kind and helpful to me. When I first entered the program I was nervous about the whole process but they are so supportive and helpful. Would highly recommend. I’m so happy that I decided to go with them.

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    Verified Reviewer Verified Buyer
    Original review: May 22, 2023

    The only complaint I have is not knowing if the call is from you or a creditor. I wish I could see your name across the phone. I never know if the call is from a creditor or not and I am so tired of not knowing what to say.

    JG Wentworth Debt Relief response

    Hi Teresa! We are pleased you enjoy working with us - feel free to reach out with any questions or concerns!

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    Verified Reviewer Verified Buyer
    Original review: May 22, 2023

    Everyone at J.G Wentworth has treated me with respect. I'm so glad I got in touch with them, to help me get debt free. I give them thumbs-up!!! I tell all my friends about them. Every time I call them they fix my problem. I have never experienced any problems with them. All their employees are so nice to me. Thanks for being there for me.

    JG Wentworth Debt Relief response

    Hi Effie! It is so nice to hear that everything has gone well so far - thanks for sharing!

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    Verified Reviewer Verified Buyer
    Original review: May 22, 2023

    It’s taking forever to come to a conclusion with all of our clients and then you want to make a loan to finance the rest of our business, and we just can’t afford it. We want to get this resolved and get our finances back together so that we can get back to normal.

    JG Wentworth Debt Relief response

    Thank you for your feedback - we asked a representative to reach out and discuss your concerns.

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    JG Wentworth Debt Relief Company Information

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    JG Wentworth Debt Relief