JG Wentworth Debt Relief Reviews

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Edited by: Jon Bortin

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, including debt management. JG Wentworth Debt Relief’s services can help reduce or eliminate your unsecured debt in as little as 24 to 60 months. It negotiates with creditors on your behalf and may be able to settle your debt for significantly less than what you owe.

Pros
  • One monthly payment
  • Good credit not required
  • No upfront fees
Cons
  • Need at least $10,000 in high-interest, unsecured debt

Featured Reviews

Avenue, MD
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I have had a great experience with you guys. Your professionalism and listening goes beyond expertise. All of the people that I have spoke to have been friendly and have resolved ...

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Rosedale, NY
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JG Wentworth has been amazing! My experience with them is really great. The reps are amazing with their timely response and updates on what's going on with my account. They were a...

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What does JG Wentworth Debt Relief do?

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

  • Reside in an 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.

» COMPARE: Best debt relief companies

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 it settles each debt. The actual percentage depends on your specific situation and state regulations. If it cannot settle your debt, you will not pay a fee.

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

Clients also have the option to purchase legal insurance through an unaffiliated law firm for an additional monthly fee. This service may provide legal representation if a creditor pursues legal action on a delinquent account. Participation in the legal insurance plan is entirely optional.

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 60 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.

» LEARN: Debt relief programs: pros and cons

JG Wentworth FAQ

What types of debt are eligible for JG Wentworth's debt relief 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.

Will JG Wentworth debt relief affect my credit rating?

Yes. Enrolling in any debt settlement program will likely harm 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.

» LEARN MORE: How debt settlement affects your taxes

Where is JG Wentworth debt relief available?

JG Wentworth services are available in all 50 states.

Can I cancel my JG Wentworth debt relief program?

You can cancel the program at any time without a penalty. Any unused funds in your dedicated account will be returned, minus earned fees. Canceling may affect your settlements and could result in owing the full balance on unresolved debts.

Are JG Wentworth customers satisfied with its process?

Of 113 recent JG Wentworth reviewers who mentioned the process, about 81% were happy or satisfied. Before signing up for JG Wentworth’s debt settlement program, make sure you understand how the process works, including how long it may take, where your money goes and how your participation will affect your credit.

Positive reviewers appreciated the efficiency of JG Wentworth’s process, from a quick enrollment procedure to the automatic payment system.

“The program worked great for me. It gave me a better understanding of how debt works, using your credit and your credit score. I would definitely recommend the program. It moved very fast and assisted with getting my debt clear,” said Tiffany from Charlotte, North Carolina.

Those reviewers who were dissatisfied with the process told us the process moved much slower than they expected and emphasized the negative impact to their credit score.

Are JG Wentworth customers satisfied with its staff?

JG Wentworth was a finalist for Best Experience with Staff among debt settlement companies in our 2024 Buyer’s Choice Awards. JG Wentworth ranks fifth in staff among debt settlement providers on our site: 93% of recent reviewers were happy or satisfied with the skills and expertise of company personnel.

Positive reviewers often described staff members as good listeners who worked to understand their unique situation. Many said their representatives were exceptionally helpful and informative when explaining program details.

Roughly 7% of JG Wentworth reviewers were dissatisfied and shared mixed experiences interacting with staff. Some reviewers received conflicting information from different representatives, while others reported it was hard to get timely responses from their assigned representative.

» READ MORE: Ways to pay off debt

Are JG Wentworth customers satisfied with its customer service?

Of 216 recent JG Wentworth reviewers who talked about customer service, about 81% were satisfied or happy with how company reps provided guidance and support. That ranks JG Wentworth fifth for customer service among debt settlement providers on our site.

About 19% of reviewers weren’t satisfied and often expressed frustration that they had to contact JG Wentworth to get updates on their progress. A few reported that customer service reps were vague or rude.

“I don't hear anything until I reach out to them,” said Erika from Texas. “I wish they could communicate with me more and provide more customer service instead of me always reaching out.”

Is JG Wentworth debt relief worth it?

JG Wentworth’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 Association for Debt Resolution (AADR) and has been helping individuals overcome financial hardships for more than 30 years. It provides a free savings estimate that can help you decide if its program is a good fit for you.

» READ MORE: Debt settlement pros and cons

JG Wentworth Debt Relief Reviews

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    How do I know I can trust these reviews about JG Wentworth Debt Relief?
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    StaffProcess

    Reviewed Aug. 23, 2025

    JG Wentworth's approach was very supportive, especially in assisting me through their debt relief program. They facilitated negotiations with my creditors to create manageable settlements We started the process just recently, and already, one creditor has agreed to a settlement, which makes me optimistic for the future.

    The program is designed to work over what could potentially be a five-year span, depending on how much debt is tackled and how much remains to be paid. During this time, I contribute to a savings account, which JG Wentworth draws from to meet the agreed settlements. The timeline is flexible, as I have the option to pay more if I manage to pull together extra funds.

    I was especially impressed with the representative who assisted me from day one. His humility and nonjudgmental attitude were a breath of fresh air, which made discussing my situation much easier. This positive initial interaction helped set the tone for a reliable journey out of debt.

    So far, I am completely satisfied with the service. I’ve been particularly pleased by how swiftly agreements with creditors have been reached and the professional assistance offered. I wholeheartedly recommend JG Wentworth Debt Relief to anyone facing serious financial challenges and looking for a supportive service provider.

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    Response from JG Wentworth Debt Relief

    Hi Heather! Thank you for sharing your uplifting experience with us. We're thrilled to hear that our debt relief service has been supportive and effective in swiftly reaching agreements with creditors. Additionally, we're delighted that our representative's approachable demeanor contributed positively to your early interactions and set the promising tone you experienced.

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      Customer ServiceStaffProcess

      Reviewed July 25, 2025

      I came across JG Wentworth online while I was looking up ads. My financial situation was becoming overwhelming, so I decided to give JG Wentworth a shot. From the start, the enrollment process worked very smoothly, which was a significant stress reliever, as it presented a potential solution to my financial worries.

      Every representative I've interacted with has been supportive and accessible. Their availability and assistance have been commendable, making the experience even more positive. I appreciated how handy it was to send any creditors' emails to them; they promptly handled those communications. The program merges my debts into one single, manageable monthly payment, which is quite beneficial considering my previous experiences with multiple payday loans.

      Although I wasn't looking at how long it would take initially. I seem to remember them mentioning it might take around two years to complete, which was better than trying to secure another loan.

      Having discovered this option over getting a loan was really a game-changer for me. I'm thrilled to have gone through with JG Wentworth Debt Relief, and I've already recommended their services to several friends because their help has been simply outstanding.

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      JG Wentworth Debt Relief
      Response from JG Wentworth Debt Relief

      Hi Kerri! We’re absolutely delighted at your wonderful feedback and are thrilled to hear how positively our program impacted your financial journey. It's fantastic to know that the enrollment process relieved your stress and knowing our team has been genuinely supportive.

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      Customer ServicePriceStaff

      Reviewed April 17, 2025

      I turned to JG Wentworth Debt Relief because my creditors were relentless in chasing me down. I initially had some success with another company when I borrowed money to clear my debts, but my financial strains led me back into the cycle. In February, I decided to give JG Wentworth a try after researching online and talking to one of their representatives. The guy I spoke to seemed convincing at first. The program I'm currently in is supposed to last about 30 months, with deductions from my paycheck.

      So far, the service has been satisfactory. Whenever I've called them, they've been helpful, advising me to simply direct any creditor inquiries to them. However, they left out the details on what exactly to say when that happens. Even though the staff reassured me not to worry and have been supportive, I’m cautious about the drop in my credit rating. They did inform me that it would initially dip, but assured me it would recover once payments commence.

      If a friend or family member were to ask, I'd mention the supportive experience. It's important to remember not to panic about the credit score drop. They've been pretty good, especially the customer support team. In terms of service experience and pricing, they’ve met my expectations, rating high on my scale. I feel at ease knowing that my review could help others navigate through similar decisions.

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      JG Wentworth Debt Relief
      Response from JG Wentworth Debt Relief

      Hi Marcia! We’re glad to hear that our team has been helpful and supportive whenever you’ve reached out. Thanks for sharing!

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      PriceStaff

      Reviewed April 4, 2025

      I'm very pleased with JG Wentworth because they allow us to get out from underneath the enslavement of the debt. I've experienced outstanding service from them and must say I'm very pleased. The company has been instrumental in alleviating the financial pressures I faced, particularly from my creditors such as Capital One. Before making my choice, I was already aware of JG Wentworth's reputation as a stable and reliable company, especially since they are known for advancing cash to individuals with pending settlements. This long-standing reputation for reliability influenced my decision significantly.

      Once I spoke with Kevin, their representative, who was patient and thorough, I was convinced I made the right choice. They've been diligent in helping me out of a tight spot and saving me a considerable amount in interest, which can sometimes be as high as 30% from credit card companies like Capital One and Credit Fresh. To be honest, those interest rates feel almost criminal, and I'm grateful for the assistance from JG Wentworth. They have not only helped reduce my debt but also recalibrated my repayment structure, making it more feasible. Even at times when I felt like the debt wasn’t decreasing despite making significant payments, JG Wentworth provided a viable solution and relief. Although I'm still in the process of working with them and receiving their help, I can already see the benefit and progress. I would easily recommend them.

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      JG Wentworth Debt Relief
      Response from JG Wentworth Debt Relief

      Hi Jeffrey! Thank you for sharing your experience! It's wonderful to know that Kevin’s dedicated service reassured you, truly assisting you towards regaining control over unaffordable interest rates.

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      Customer ServicePriceStaff

      Reviewed March 22, 2025

      I sought out JG Wentworth Debt Relief Services due to a distressing experience with identity theft, which severely impacted my credit score. Initially, my credit score was over 700, but it dropped to around 550 due to unauthorized charges. I also run a business, which made the situation even more challenging as I felt compelled to pay off debts that were not mine. However, JG Wentworth seemed to offer me the assistance I needed with their debt consolidation program. The person I interacted with left a very positive impression on me. She took the time to understand my situation and even offered to pray for my resolution, which I found quite comforting and a significant positive gesture.

      The program I enrolled in is set to run for 36 months. While I haven’t yet set up my initial payment, due to delays on my end, the process was straightforward. My previous experiences with scams made me a bit cautious, but the enrollment itself was smooth. The customer service was excellent, and I felt well-supported throughout the initial interactions. Regarding payments, they offer the option to set up auto-pay, which I plan to arrange. Overall, I would highly recommend JG Wentworth based on my experience, rating them 5 out of 5, even though their service might be considered somewhat expensive. I also found their service worth the price due to the peace of mind they provided during such a difficult time.

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      JG Wentworth Debt Relief
      Response from JG Wentworth Debt Relief

      Hi Montral! We are thrilled to hear how much you appreciate working with our team - we are excited to be on this journey towards the financial future you deserve!

      Customer ServiceStaff

      Reviewed Oct. 30, 2025

      I have asked these people to stop calling me for weeks now. They don’t stop it has been anywhere from 2 to 4 times a day. A total nuisance. Non stop all day long!! I have asked them to take me off their call list but they obviously don’t care. They like to be a pain in the **.

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      JG Wentworth Debt Relief
      Response from JG Wentworth Debt Relief

      Hi Carol, we apologize for any inconvenience this may have caused. We opted you out from correspondence as of 10/31/2025. Please allow up to 10 business days for this to take effect.

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      Customer ServiceStaffProcessTransparency

      Reviewed Oct. 28, 2025

      I chose JG Wentworth Debt Relief based on my mother's positive experiences with them. She was actually involved in their program and had spoken highly of the assistance she received, which reassured me and encouraged me to try their services as well. So far, my experience has been smooth, and I've found everyone to be very helpful. Although I'm still fairly new to the program and only a few of my accounts have been settled, I'm pleased with the negotiation outcomes so far.

      Communication with JG Wentworth has been generally easy. However, I've experienced some difficulty reaching my contact, Mike, through the text line. Despite this, their customer service team is accessible via their 800 number and is always ready to assist. Overall, my experience with JG Wentworth has been very positive, and I would gladly recommend their services to others.

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      JG Wentworth Debt Relief
      Response from JG Wentworth Debt Relief

      Hi Tara! Thank you so much for choosing JG Wentworth Debt Relief and for taking the time to share your promising experience. We're so glad to hear that things are off to a smooth start for you and that you’ve found our team to be helpful.

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      Customer ServiceStaffTransparency

      Reviewed Oct. 28, 2025

      Since I started working with JG Wentworth in September, the experience has been smooth. They've communicated clearly about what to expect, which has been really reassuring. Their process involves sending copies of my bills, and they've been in touch through texts, offering help with additional bills if needed.

      Communication has been efficient, with their customer support standing out as particularly helpful and professional. Overall, my experience with JG Wentworth has been wonderful, and I’m very satisfied with their service.

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      JG Wentworth Debt Relief
      Response from JG Wentworth Debt Relief

      Hi Joe! Thank you for sharing your wonderful experience with us. It's heartening to know that our team has kept communication smooth and provided reassurance for the road ahead. We are especially pleased to hear that our efficient and professional customer support has contributed positively. Thanks for sharing!

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      Customer ServiceContract & TermsRefunds & PayoutsStaffBillingLoan ProcessGold Quality

      Reviewed Oct. 16, 2025

      I decided to give JG Wentworth Debt Relief a try upon recommendation from my father, who previously dealt with them. My main goal was to improve my credit situation. So far, the process seems to be going smoothly. They've helped me with consolidating my credit cards and a few loans.

      In terms of customer service, their team has been quite responsive. Whenever I have questions, they provide answers without any issues. I predominantly communicate via email, which works out well for me.

      JG Wentworth is adequately meeting my needs, although the bi-weekly payment of $175 feels a bit steep. Despite that, it's better than nothing.

      Overall, I'd give them high marks for their service quality and customer interactions, rating them a 5 when it comes to those aspects.

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      JG Wentworth Debt Relief
      Response from JG Wentworth Debt Relief

      Hi Katrina! We're thrilled to hear about your positive experience with JG Wentworth Debt Relief during your credit improvement journey with us. It's fantastic to know that our responsive team effectively assisted you in consolidating your credit cards and loans — ensuring clear communication, especially via your preferred email channel. While we understand that bi-weekly payments may feel competitive, we're delighted that we can accommodate your budgeting needs effectively compared to other options. Should you have any questions or further needs, remember that our team is always eager to assist. Thank you so much for endorsing our service quality and commitment!

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      Customer ServiceContract & TermsStaffBillingLoan ProcessProcess

      Reviewed Oct. 16, 2025

      Initially, JG Wentworth's service seemed promising as they helped me with debt consolidation on two of my loans. The process initially went fine. However, one issue I encountered was that the original debt collectors were still reaching out to me, which suggests a lack of communication on their end. I've already started making payments, and JG Wentworth did work with me to find a flexible payment option, which I appreciated.

      In terms of customer service, I felt treated with respect, but this persistent issue with the creditors contacting me has been frustrating. Although there was a positive experience overall, this hiccup made the entire process less smooth. I've expressed my feedback, hoping they will address this issue to better assist others in the future. Overall, I'd say my satisfaction is high with the program, aside from the communication mishap with the creditors.

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      JG Wentworth Debt Relief
      Response from JG Wentworth Debt Relief

      Hi Michael! It's wonderful to hear that our team was able to assist you effectively with loan consolidation and that you found our flexible payment options helpful. We understand the frustration that can come from being contacted by debt collectors and apologize for any inconvenience this miscommunication may have caused. Rest assured, your feedback is essential to us as we work continuously to enhance our services. We're committed to ensuring that your journey remains positive and appreciate your patience and understanding as we address such matters. Please let us know if there's anything more we can do to support you going forward.

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      JG Wentworth Debt Relief Company Information

      Company Name:
      JG Wentworth Debt Relief
      Website:
      www.jgwentworth.com