JG Wentworth's Credit Card Debt Relief Program

For more than three decades, JG Wentworth has built a reputation that is built on trust, hard work and our genuine desire to help consumers achieve their financial goals. Now, we’re ready to help you free yourself from credit card debt.****

Reduce your monthly payment by an
average of 31%

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Step 1 of 4 - Debt Amount

Choose your debt amount

$5,000 $25,000+
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What is JG
Wentworth’s Debt
Relief Program?


One monthly program payment


We Create Your Debt Resolution Program


We Negotiate on Your Behalf

Partner with a company people trust

Because of our famous 877-CASH-NOW commercials, we’re one of the most well-known names in financial services. People trust us because they know us—and when you work with us, you’re also letting our five-star reputation work for you.

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How often do you pay per month?


Payment pet month

How long does it take to pay off your debt?


Months on average

How many accounts do our clients enroll?


Accounts on average

How many accounts do our clients enroll?


Accounts on average

JG Wentworth Credit Card Debt Relief Program FAQs

How long does credit card debt relief take with JG Wentworth?

Customers who complete our program pay off their enrolled debts in 24-60 months, and many are able to complete the program in as little as 24-48 months. Compared to spending years making the minimum monthly payments and accumulating interest at a high rate, debt relief can be a quicker, cheaper, and easier way to reach your goal of becoming debt free.****

Can i use JG Wentworth for non-credit card debt relief?

Our Debt Relief Program is designed to help resolve unsecured debt, which includes (but is not limited to) credit card debt. Give us a call at (phone number) so we can discuss your debt and determine if this program is right for you.

What is the average savings of a JGW debt relief customer?

Clients who complete our Debt Relief program end up saving a whopping average of 51% on their total debt balances.*

How will JGWs debt relief program impact my credit score?

Enrolling in a Debt Relief program will result in a drop in your credit score. For many customers, this factor is less important compared to their long-term goals of resolving their debt and improving their long-term financial health. Call us at (phone number) for a free consultation to help determine if our program aligns with your short-term and long-term goals.***

How will JGWs debt relief program differ from bankruptcy?

While both options have unique benefits, JGW’s Debt Relief Program may be more desirable than bankruptcy for numerous reasons. Debt Relief Programs typically operate on a shorter timeline than bankruptcy would. Additionally, while both negatively impact your credit score, bankruptcy can stay on a credit report for up to 10 years, which is likely longer than for debt relief.***

Financial Education

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Debt Resolution

Mar 20, 2024

9 min

Can I Still Use My Credit Card after Debt Consolidation?

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Debt Resolution

Mar 15, 2024

11 min

A Guide to Debt Re-Aging

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Debt Resolution

Nov 6, 2023

8 min

How to Get a Debt Lawsuit Dismissed

is debt relief right for you
Debt Resolution

Mar 7, 2022

4 min

Is Debt Relief Right for You?

Are you ready?

If you’re committed to starting fresh, we’re committed to helping you.

Sources Cited

  1. Fernando, J. (2021, February 24). What does unsecured debt mean? Investopedia. 
  2. Chen, J. (2021, June 30). Secured debt. Investopedia. Retrieved from 
  3. What’s the difference between debt consolidation and debt settlement? Investopedia. (2022, February 8).
  4. Brown, J. (2021, July 23). How Long Does A Bankruptcy Stay On Your Credit Report?.
  5. 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.