JG Wentworth Debt Relief Reviews
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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.
- One monthly payment
- Good credit not required
- No upfront fees
- Not available in all states
Featured Reviews
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 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 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.
» LEARN MORE: How debt settlement affects your taxes
Where is JG Wentworth debt relief available?
JG Wentworth 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
Are JG Wentworth customers satisfied with its process?
81% of 113 recent JG Wentworth reviewers who mentioned the process were happy or satisfied, while 19% were not. 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 impacts 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.
The 7% of JG Wentworth reviewers who were dissatisfied often had 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 rep.
» 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.
The 19% of reviewers who weren’t satisfied were often frustrated that they had to contact the company 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. The company 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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- 4,661,227 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
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- 4,661,227 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Reviewed May 4, 2025
They've been absolutely marvelous in helping me manage my finances. I didn't have to deal with another company, and they delivered on everything they promised efficiently and timely.
The sign-up process was a breeze. They managed everything for me. What's more, their service was excellent, though there was one minor issue. I had an automatic payment scheduled that they overlooked, so the payment was taken out twice. It would have been helpful if they reminded me to cancel those autopays, but otherwise, everything was smooth.
JG Wentworth provided me the terms I needed, which I found marvelous. Overall, their assistance in consolidating my bills has been a relief.
Hi Nita! We are absolutely thrilled to hear that our team has been able to provide you with efficient and timely service in managing your finances. It’s fantastic that the sign-up process was a smooth experience for you, and we appreciate your patience regarding the minor hiccup with your automatic payment.
Reviewed May 3, 2025
I decided to explore JG Wentworth for their debt relief services after finding them through a Google search. My experience with their customer service has been very positive. Whenever I've needed to reach out, Erica, the representative assigned to my case, responds within a day.
JG Wentworth worked with me to establish a payment plan that fits my financial situation comfortably, and their ongoing communication has been excellent. Any questions or concerns I have are addressed promptly. Overall, the service has been top-notch, and I'm happy with the support I've received so far.
Thank you so much for your wonderful feedback. We're thrilled to know you had a positive experience with Erica and our debt relief services. It's great that we've been able to provide excellent service, prompt communication, and a payment plan that fits your financial needs comfortably. We look forward to continuing our support and thank you for choosing us!
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.
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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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.
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.
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.
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!
Reviewed Oct. 1, 2024
The representative that I initially worked with at JGW who set the account up went through the accounts really quickly and he failed to tell me that accounts with lower balances would not be included in the debt consolidation. It would have been nice if they had initially sent a print off which accounts are going into the debt collection, consolidation, aren't going in because of lower balance. I failed to pay those lower balance ones, thinking that they were included. It was very overwhelming going through it with him and I have a lot of accounts.
Once I got my online account set up, I was able to go in there and see which accounts they took and didn't take, but I was still a little confused, so I ended up missing my first payment because I forgot and my account was all screwed up with NSFs and stuff from people trying to get their automated payments. The rep did tell me to take them off of automated, but then I had some loans that I could not take off automated. I had to get nasty with the loan people for them to take it off of automated. I took a huge hit the first month with NSFs. But I spoke with a young lady because she wanted to know when I would make that other payment and I told her to just double up on the payment for this past Friday and that happened. Then, she took the time to go through with me the accounts that were not included in the debt consolidation and why and whatnot. Now I need to pay those folks and get them taken care of. Also, I realized that my credit took a huge hit.
Thank you for your feedback - we asked a representative to reach out and address your concerns.
Reviewed Sept. 12, 2024
Trying to handle my own debt consolidation was unsuccessful. I did a bunch of research five months ago and, sure enough, hesitated. But I read reviews, and I decided to go ahead and make the decision to choose JG Wentworth. The enrollment process was flawless. It was a great experience. The customer support was good. Any questions that I had available, they answered them to my satisfaction. It gave me a sense of relief, knowing that I was finally taking care of a goal that I wanted to accomplish as far as being debt-free.
My biggest learning experience was don't try to handle something like this on your own. If you have the amount of debt that I did, it is a good opportunity or good advice to choose someone or an organization that is groomed or built to handle these situations. JG Wentworth, as far as I'm concerned, is a pretty much a household name. It's been around, based on the reviews that I've seen and read. This is what they do. If this is what they do, then they are really good at handling these types of situations.
They are really good at communicating through the methods that I choose to communicate. I chose email as a method of communication. Plus, they have a customer portal that I log into. I can see my progress as it's going through. Signatures are also easy because it's all done on a secured electronic method. This has been such a seamless process so far.
Hi Serena! We are pleased to hear you are having such a positive experience with our team to find the best financial path for you - we are excited to be on this journey towards the financial future you deserve!
Reviewed May 10, 2025
They canned my credit score more than I did. They tell you don't pay your cards or loan so they can get the other company to lower amount owed. I listened, my score went from 698 to a 515. They called after seeing I can make my payments to them on time, offering me a loan program, then denied me for the loan. It was supposed to help fix my credit score, but their underwriter only offers that to certain demographics. BE CAREFUL when dealing with them.
Reviewed May 7, 2025
I found JG Wentworth through an ad on social media and when I reached out for their services, I found their customer service representative to be fast and knowledgeable. The representative I spoke with made things easy for me to understand, which I really appreciated. It's been roughly three weeks since I signed up for their program, so it's still early, and I'm waiting to see how things develop before fully evaluating the service. Right now, it's too soon to say if JG Wentworth has completely met my expectations, though I'm hopeful. Based on my experience so far, if I had to rate it, I'd probably go with a three. I'm planning to see how it goes over the next few weeks.
Hi Patrice! We're delighted to know that you've had a positive experience with our customer service representative. It's great to hear they were able to provide clarity and simplicity in the initial steps of our program. We understand it's still early in the process, and we hope to meet your expectations as things progress. Should you have any questions or need further assistance, please don't hesitate to reach out—we're here to help.
Reviewed May 6, 2025
JG Wentworth was the best fit for my needs. The process of signing up was straightforward and hassle-free. As I've just started using their services, I haven't needed much ongoing customer support, but so far, my experience has been smooth. The rates and terms they've provided are excellent. While this is only my first month with them, I'm pleased with how things are going.
Hi Catherine! Thank you for sharing your phenomenal experience with us. We're thrilled you found our process straightforward and hassle-free. It's fantastic to know that the rates and terms we've offered are meeting your expectations and helping ease your financial journey. Please don't hesitate to reach out if you have any questions or need support moving forward. We look forward to continuing to provide you with excellent service!
Reviewed May 6, 2025
I've been with JG Wentworth for just a month, but they've already helped me secure two settlements on my long list of bills. What impressed me the most was their flexibility. When I couldn't make my first payment due to unexpected medical bills, they allowed me to postpone it to the next month without any hassle. Their communication is excellent; I have specific contacts to reach out to if I have questions or concerns about my account. They've truly been excellent to work with.
Hi Paula! Thank you so much for taking the time to provide your feedback. It's very gratifying to hear about the positive impact we've made in your first month with us at JG Wentworth. We strive to be flexible to fit our clients' needs and are delighted that we could assist you when those unexpected medical expenses came up.
Reviewed May 2, 2025
I saw JG Wentworth on Facebook, and I needed some additional debt consolidation that I could hopefully be able to get because my credit score is racked. I went from a 760 all the way to a 540 just because I've got a new baby and trying to keep up with family. I have creditors that are already hitting me up, but I have high hopes with JG Wentworth's services.
So far, I haven't interacted enough with their services to provide a solid rating; however, I'm eager to see how the company will support me going forward. I've also been meaning to get ahold of them to let them know that I recently took a layoff and times are really hard right now.
Hi Jordan! Thank you for reaching out and sharing your experience. It's encouraging to hear that you have high hopes for our services and that you're eager to see how the company can support your financial journey.
JG Wentworth Debt Relief Company Information
- Company Name:
- JG Wentworth Debt Relief
- Website:
- www.jgwentworth.com
