SteadyWise Reviews
Staff
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- SteadyWise
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16 recent reviewers mentioned SteadyWise's staff. 100% were happy or satisfied with the staff, ranking SteadyWise 2nd among debt settlement companies on our site.
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Staff
- Lowest Brand
- Industry Average
- SteadyWise
- Highest Brand
- Aug
- Sep
- Oct
- Nov
- Dec
24 recent reviews we have found on the internet mentioned SteadyWise's staff. 100% were happy or satisfied with the staff, ranking SteadyWise 2nd among debt settlement companies on our site.
Process
- Lowest Brand
- Industry Average
- SteadyWise
- Highest Brand
- Aug
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- Nov
- Dec
11 recent reviews we have found on the internet mentioned SteadyWise's process. 100% were happy or satisfied with the process, ranking SteadyWise 3rd among debt settlement companies on our site.
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About SteadyWise
SteadyWise is a debt settlement firm that assists those with $15,000 or more in credit card debt and other unsecured debts. After a free debt consultation, the company contacts creditors to negotiate on your behalf. Customers may end up with lower monthly payments and the ability to pay off all debt within 24 to 48 months. Debt settlement is not guaranteed, but you pay no service fees until settlement is complete.
- IAPDA-certified debt consultants
- Free consultation
- Fees can be high
- Not available in all states
Our editor’s take
SteadyWise is a debt settlement company. Those with unsecured debts such as credit card debt and personal loan debt may benefit from signing up with SteadyWise to settle their debts.
If someone is struggling to make debt payments, SteadyWise can help by communicating with creditors such as credit card issuers to negotiate a lower amount owed. The company says it can offer savings of about 50% on the total debt settled, or 21% to 35% after factoring in settlement fees.
How does SteadyWise work?
If you have a minimum of $15,000 in unsecured debt, you may be eligible to work with SteadyWise to resolve the debt. After an initial free debt evaluation by phone or online, you will begin making deposits into an account for debt repayment. A certified debt negotiator from the company contacts creditors to try to decrease the amount you owe on each debt.
SteadyWise sends payments from your designated account to creditors in the agreed amounts. You can check your debt payoff progress online and see your anticipated debt-free date. SteadyWise says most members get their first settlement within three to six months.
SteadyWise costs
Fees for debt relief are typically between 15% and 29% of the total debt settled. A representative from SteadyWise informed us that fees are determined by the debt amount as well as your state of residency.
According to the representative, the company doesn’t take payment for its services until your debt is successfully settled. You’ll also receive a refund for any accounts that the company is unable to settle, although some banking fees or legal fees may be nonrefundable.
SteadyWise FAQ
Does debt relief hurt your credit?
The Consumer Financial Protection Bureau warns that debt settlement can harm your credit. While this negative effect on your credit score will not last forever, it is an important factor to consider before signing up with a debt settlement company.
Is SteadyWise available in all states?
SteadyWise serves most states, with the following exceptions: Oregon, Rhode Island, Colorado, Maine, Maryland, Utah, West Virginia, and Wyoming.
Does SteadyWise guarantee debt settlement?
SteadyWise does not and cannot guarantee debt settlement. However, it promises not to charge fees until and unless it succeeds in settling your debt.
Is SteadyWise legit?
Although SteadyWise is a new company, a representative told us by email that it works with partners who have settled over $250 million in debt for 25,000 clients since 2007. Its debt relief consultants are certified by the International Association of Professional Debt Arbitrators (IAPDA).
For someone with high totals of unsecured debt, SteadyWise assists in negotiating debt amounts and payments down and doesn’t charge any fees until your debt is settled.
With any form of debt settlement or debt relief, be sure to consider the potential impacts to your credit score and future borrowing ability. Also, keep in mind that calling creditors yourself to negotiate debts is an option that bypasses the fees of a debt relief company.
SteadyWise Reviews
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- 4,590,668 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 Sept. 7, 2024
I was so nervous and almost ashamed when I first inquired online since I found myself in significant credit card debt that was mainly my fault due to being young. Daniel at Luna Debt Relief did not one time assume or judge my situation and worked with me to get my life back on track financially. Daniel and the other lady I spoke with answered all my questions and just put my mind at ease. I am saving over $1,000 per month and can focus on other aspects of my life now. Thank you Daniel and to the Luna Debt team!
Dear Alex,
Thank you so much for your heartfelt review! We know that taking the first step toward financial freedom can be overwhelming, and we’re incredibly glad that Daniel and our team could provide you with the support and reassurance you needed. We pride ourselves on offering a judgment-free environment where our clients feel heard and understood. Congratulations on your enrollment and please do not hesitate to reach out if you need anything!
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Reviewed July 23, 2024
Justin made me very comfortable with this whole process. He was also extremely patient with me as there were times I said/thought I was available for a phone call but something would come up and I'd miss our time. He would always try to make it as easy as possible for me to continue the process by sending questions via email which I could answer at my leisure and was very responsive to any questions or concerns I might have had. I enjoyed working with him.
Dear Ryan,
Thank you so much for your kind words! Justin is indeed a valuable member of our team and we are thrilled to hear he made you feel comfortable and supported throughout your journey to becoming debt free. We are all committed to providing a patient and responsive experience that fits within your busy schedule, so we are glad to hear that you found working with him enjoyable. If you have any more questions or need further assistance, please don't hesitate to reach out, our team is always here to help.
Reviewed July 10, 2024
Luna Debt Relief advisor Cody ** provided detailed information on how the program works as I got behind on credit card payments due to illness and retirement, which resulted in less income. Cody was very patient with me and went over the program to reduce total debt and establish a monthly budget, saving me about $700 a month.
Dear Elaine,
Thank you so much for taking the time to share your experience with us and our advisor, Cody. We understand how challenging it can be when unexpected circumstances like illness and retirement affect income and financial stability.
Saving approximately $700 a month is a significant achievement, and we're delighted that Cody's patience and expertise made a positive difference for you.
If you have any further questions or need additional assistance, please don't hesitate to reach out. Thank you once again for allowing us to help you on your journey to financial freedom.
Reviewed March 21, 2024
I'm so happy. I took the time to answer my phone calls and spoken to Cody at Luna who help me with my financial advice to resolve. My debt consolidation so helpful and understanding, knowledge, fast, resolves my credit advice. I going to have my sister to call in to get help also. THÀNK VERY MUCH!
Thank you for sharing your positive experience with us!
We're please to hear that Cody was able to provide you with helpful financial advice and support in resolving your debt consolidation needs, he is a true asset to the team.
It’s great to hear that your experience was pleasant enough to be shared with a family member. We’d be happy to assist and provide the same level of care and help as you received. Feel free to provide her our toll free number, 888-861-5862 and we’ll get her over to Cody.
If you or your sister ever have any further questions, please don't hesitate to reach out.
Reviewed March 13, 2024
Professional treatment by the agent! The agent was thorough and answered all of my questions! The agent always asked if I understood the questions. I was with another Company and switched as a result of the customer service I received by the agent. I am comfortable either company and the agent and look forward to working with him.
Thank you for sharing your positive experience with us!
We're thrilled to hear that our agent provided you with professional treatment and addressed all your questions thoroughly.
It's fantastic to know that our agent's dedication to ensuring your understanding of the process resonated with you. Switching debt relief providers is a significant decision, and we're honored that you chose us based on the exceptional customer service you received.
Should you have any further questions or need assistance along the way, our team is always here to help.
Thank you for entrusting us with your debt relief journey. We're excited to continue working with you and helping you achieve financial freedom.
Reviewed Jan. 11, 2025
Ben was an absolute pleasure to work with and really listened to my situation and worked hard to help me get my life back on track financially. They offer the most affordable plans out there and have been so nice to work with.
Reviewed Jan. 10, 2025
Daniel was very professional and helped me to understand all the program would offer. He explained everything in a manner that I was able to understand. A true asset to your company. I would recommend him to anyone that needed help with debt reduction!!!
Reviewed Dec. 27, 2024
Tony was very helpful in explaining program and very polite. Great customer service! He helped me realize the program is best for me and helped me realize my debt will be less and paid off faster. Very nice to talk to.
Reviewed Dec. 17, 2024
Tony was very helpful and professional. I appreciate his attitude and willingness to help! I have worked with other organizations on my credit, but this program is much more affordable and viable for me to complete.
Reviewed Dec. 11, 2024
Daniel was very knowledgeable about his work, he was very helpful, polite, professional, patient and eager to answer questions. I really felt like I had made a wise decision after speaking with him. I can’t wait to start seeing the results on paying these creditors off. It will truly take a weight off my shoulders.
SteadyWise Company Information
- Company Name:
- SteadyWise
- Formerly Named:
- Luna Debt Relief
- Website:
- www.steadywise.com