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 48 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
  • Not available in all states

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 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

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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    Page 1 Reviews 0 - 5
    Verified purchase
    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!

      Verified purchase
      Staff

      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.

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      JG Wentworth Debt Relief
      Response from JG Wentworth Debt Relief

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

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      StaffProcess

      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.

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      JG Wentworth Debt Relief
      Response from JG Wentworth Debt Relief

      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!

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      Customer ServiceOnline & AppProcess

      Reviewed June 4, 2025

      I needed help with debt consolidation and setting up the service with JG Wentworth was quite easy, much to my relief. I had the pleasure of working with Joe, who was exceptional at explaining everything clearly and was genuinely nice throughout the process.

      I'm still currently working with JG Wentworth, as the process isn't complete yet. While they don't follow up with me frequently, I did email them recently but haven't heard back. I don't use their website extensively, but when I do, I find it quite user-friendly. Overall, the experience has been positive.

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      JG Wentworth Debt Relief
      Response from JG Wentworth Debt Relief

      Hi Patricia! It’s fantastic to hear that the process of setting up debt consolidation was easy and that you had such a positive interaction with Joe, who helped make the process clear and enjoyable. We’re glad you find the website user-friendly and appreciate knowing overall your experience has been hopeful.

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      Customer ServiceTransparency

      Reviewed June 4, 2025

      JG Wentworth Debt Relief called me or I responded to an advertisement. The sign-up process was straightforward, which I appreciated. I've only recently started the program, and so far, my experience has been mixed. One significant concern is the lack of communication from JG Wentworth when payments are made. I discovered a paid-off debt by checking my credit report, rather than being informed by them. At this point, I'm considering leaving their program due to communication issues.

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      JG Wentworth Debt Relief
      Response from JG Wentworth Debt Relief

      Hi David! We greatly appreciate you taking the time to share your feedback with us. We are glad to hear that you found our sign-up process straightforward, but we are deeply sorry to learn about your frustrations with our communication practices. Understanding your concerns is crucial, and we are committed to improving your experience.

      Verified purchase
      StaffProcess

      Reviewed June 4, 2025

      I saw JG Wentworth online. My initial apprehensions were eased greatly after speaking with Miss Christie, their representative. She played a pivotal role in my decision, helping tremendously. Her approach was warm, making what could've been a convoluted process feel seamless and understandable. The way she relayed the steps and benefits gave me a lot of confidence in moving forward. Miss Christie's professionalism, married with genuine kindness, left a lasting impression on me. If a friend were ever in need of similar services, I wouldn't hesitate to mention JG Wentworth. So far, they seem genuinely invested in helping their clients, setting themselves apart from other options out there.

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      JG Wentworth Debt Relief
      Response from JG Wentworth Debt Relief

      Hi Terri! Thank you for sharing such positive feedback about your experience with Christie. We are thrilled to hear that her professionalism and warm demeanor significantly impacted your journey with us.

      Customer ServicePriceStaffProcess

      Reviewed May 22, 2025

      I really screwed myself over working with this company, only to get a settlement less than I was promised on the initial call with the sales lady because that is all she was. After contracts were signed all communication to her after was not answered. I should have known better when she tried to add my sister's debt on top of mine's to get her enrolled in the program.

      I initially just wanted a loan to consolidate all my debt when I was contacted by this program. My credit score was good but with interest on some of my accounts, I knew I would never be able to pay them off. I was told to stop paying my creditors, pay into their account, and was given an amounts that they could settle them down to. Some I knew were too good to be true but I decided to proceed anyway. It has been about 3 to 4 months, and I am so done with the program. My credit score has tanked almost 80 points according to some sites.

      I was expecting to have a person that I can talk to directly about negotiations or other questions I may have but the only contact is the call center where you get a different person every time whose knowledge is limited outside of the scripts they are given to read off. Imagine having to go through a "negotiation strategy call” with someone who is getting secondhand information. Tell them your concerns, they can only repeat what they are told or make notes in your account for a “negotiator’ to answer via them. Hours for this call center is limited to basically 9 to 5 so catch them while you can. You would think for a program like this they would want people to feel at ease or at least have a call center with longer hours.

      In the end I wish I could have just gone with a loan to consolidate all my debt like I originally planned. My credit score has tanked so badly. I am scared of coming into an issue where I must finance something and I won't get approved or must pay a high payment with high interest. I never had that problem before this program. I removed two accounts off the program and the one settlement I did receive and ended up accepting due to the threat of legal action by a third party. That was only about 1500 off my original balance. I could have negotiated that myself without the fee and the hit to my credit score. I am waiting on them to settle my second account so I can be done with them I just want to be done with this. This was a big mistake. I would not recommend it, especially if you have a good credit score among other things.

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      Customer ServiceStaffProcess

      Reviewed May 21, 2025

      My experience with JG Wentworth's customer service was excellent; they were very helpful and supportive throughout the process. Overall, I had a good experience with them, and everything went smoothly.

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      JG Wentworth Debt Relief
      Response from JG Wentworth Debt Relief

      Hi Maryalice! We're delighted to hear you had such a positive experience with our customer service team. Delivering a smooth and supportive process for you means the world to us. Thank you for sharing your feedback.

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      JG Wentworth Debt Relief Company Information

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