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A debt-free life is possible! JG Wentworth can help you lower your total debt and pay off your unsecured debt faster. Contact us today to find out how.
What is JG Wentworth’s Debt Relief Program?
Our Debt Resolution Program can help you lower your debt and pay it off faster—and we make it easy.
One monthly program payment
We start by working with you to assess your overall debt to determine if you qualify for our program. You then make just one monthly program payment into an account that you control, with an insured financial institution.
We Create Your Debt Resolution Program
After you enroll and set aside funds, our team of skilled negotiators works with your creditors on your behalf to lower each enrolled debt.We could potentially knock thousands of dollars off your total debt. Yes, really!
We Negotiate on Your Behalf
As you accumulate money in your program account, we continue to negotiate with your creditors to settle your debts. The money in your program account goes toward paying off the settled debt amount, plus your program fees.
We keep in touch every step of the way. Whenever there’s an update, we make sure to fill you in so you’re in the loop about your own finances. Our 24/7 online portal allows you to check your progress at your convenience.
Run the Numbers on Our Debt Resolution Program1
Number of payments each month toward repaying your enrolled debt1
Number of months on average it takes our clients to pay off their debts24-48
Average number of accounts our clients enroll6
Average amount our clients save on their total debt balance51%
Compare Debt Payoff Options**
JG Wentworth negotiates with creditors on your behalf to lower your debt amounts. See how our Debt Relief Program compares to other common payoff methods.
Debt Relief with JGW
You pay no interest with JGW Debt Relief.
Payoff at the current average interest rate you provided.
Payoff at the current average interest rate you provided.
Compare Monthly Payments
Compare Total Costs
How to Use the Debt Repayment Calculator
- Enter the amount of debt you owe in the "Your Total Debt" field. An estimate is fine if you don't know the exact amount.
- Enter the average interest rate you are paying on your total debt in the "Average Interest Rate" field.
- Click "Calculate" to view your estimated payoff options.
Debt Resolution FAQs
- Fernando, J. (2021, February 24). What does unsecured debt mean? Investopedia.
- Chen, J. (2021, June 30). Secured debt. Investopedia. Retrieved from
- What's the difference between debt consolidation and debt settlement? Investopedia. (2022, February 8).
- Brown, J. (2021, July 23). How Long Does A Bankruptcy Stay On Your Credit Report?.
- DeMatteo, M. (2023, November 14). Do You Owe Tax on A Forgiven Debt?
1Monthly payment and total savings are dependent on many factors, including, but not limited to, program fee, enrolled debt amount, monthly program payment and willingness of creditors to negotiate. The JG Wentworth Debt Relief Program fee is a percentage of each enrolled debt amount and may vary by state or debt load. The debt savings goal does not take into account the 18-25% program fee. The average amount saved on the debt balance does not take into account the program fee. Any decision to cease making payments to your creditors is yours. JG Wentworth does not provide direction on this matter.
*Disclaimer: The calculator on this web site is for estimation and educational purposes only. JG Wentworth makes no guarantees regarding its accuracy and specifically disclaims any and all liability arising from the use of this or any other calculator on this web site. Use at your own risk and verify all results with an appropriate financial professional before taking action. We are not registered investment advisers, attorneys, CPA’s or other financial service professionals and do not render legal, tax, accounting, investment advice or other professional services.
**The results, based on the information provided by you, represent an estimate for each payoff option.
Debt resolution program provided by JGW Debt Settlement, LLC (“JGW” of “Us”)). JGW offers this program in the following states: AL, AK, AZ, AR, CA, CO, FL, ID, IN, IA, KY, LA, MD, MA, MI, MS, MO, MT, NE, NM, NY, NC, OK, PA, SD, TN, TX, UT, VA, DC, and WI. If a consumer residing in CT, GA, HI, IL, KS, ME, NH, NJ, OH, RI, SC and VT contacts Us we may connect them with a law firm that provides debt resolution services in their state. JGW is licensed/registered to provide debt resolution services in states where licensing/registration is required.
Debt resolution program results will vary by individual situation. As such, debt resolution services are not appropriate for everyone. Not all debts are eligible for enrollment. Not all individuals who enroll complete our program for various reasons, including their ability to save sufficient funds. Savings resulting from successful negotiations may result in tax consequences, please consult with a tax professional regarding these consequences. The use of the debt settlement services and the failure to make payments to creditors: (1) Will likely adversely affect your creditworthiness (credit rating/credit score) and make it harder to obtain credit; (2) May result in your being subject to collections or being sued by creditors or debt collectors; and (3) May increase the amount of money you owe due to the accrual of fees and interest by creditors or debt collectors. Failure to pay your monthly bills in a timely manner will result in increased balances and will harm your credit rating. Not all creditors will agree to reduce principal balance, and they may pursue collection, including lawsuits. JGW’s fees are calculated based on a percentage of the debt enrolled in the program. Read and understand the program agreement prior to enrollment.
JG Wentworth does not pay or assume any debts or provide legal, financial, tax advice, or credit repair services. You should consult with independent professionals for such advice or services. Please consult with a bankruptcy attorney for information on bankruptcy.
Client Grievance Procedure: If you are unable to resolve an issue with your Debt Specialist or Client Services Representative, please request to speak with a manager. If you cannot reach a resolution with a manager, please escalate communication via email at [email protected] or direct mail to the business address listed on our contact page.
Affiliated Business Arrangement Disclosure
JGW Lending, LLC (NMLS ID #2365173) is a wholly owned subsidiary of The J.G. Wentworth Company, LLC (“JGWC”). JGWC also owns 100% of JGW Debt Settlement, LLC. Because of this relationship, your referral to JGW Lending, LLC may provide JGWC with a financial or other benefit. JGW Debt Settlement, LLC may receive Debt Resolution Program fees, earned due to the settlement of your debts made with the proceeds of your loans from JGW Lending, LLC. Any program fees paid to JGW Debt Settlement, LLC will be made in compliance with the Telephone Consumer Protection Act 47 U.S.C. § 227 and applicable state laws. You are NOT required to use JGW Lending, LLC for a personal loan. Please click here for the full Affiliated Business Arrangement disclosure form (link to the form attached to this email – a version of this is signed off on during the app process as well).