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, including debt management. JG Wentworth Debt Relief’s services can help reduce or eliminate your unsecured debt in as little as 24 to 48 months. It 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 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 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.
» 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 currently available in 30 states and Washington, D.C. It 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
If you live in a state where JG Wentworth does not operate, it states it may refer you to a partner law firm that offers debt resolution services in your area.
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
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- 4,675,583 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.
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- 4,675,583 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.
JG Wentworth Debt Relief Company Information
- Company Name:
- JG Wentworth Debt Relief
- Website:
- www.jgwentworth.com
