Our Debt Relief Program
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 Relief 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 Relief 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. Because we have experience working with the top consumer lenders and credit card companies, 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.

24/7 Support
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.


Does Your Debt Qualify?
If you have unsecured debt totaling over $10,000, you may qualify for JG Wentworth’s Debt Relief Program.
Unsecured debt is debt that is not backed by collateral, meaning that your lender or other creditor cannot seize a physical asset to recoup their losses if you default on your payments. These types of debts tend to have higher interest rates and shorter repayment terms. Common types of unsecured debt that JG Wentworth can help settle include credit card debt, store card debt, and more.
Secured debts, on the other hand, are not qualified for debt settlement with JG Wentworth. These are debts that are tied to physical assets. Interest rates on these types of debts tend to be lower, with longer repayment periods. Examples of secured debts include mortgages and car loans.
This is not an exhaustive list of the types of secured and unsecured debt, nor is it a complete list of all the types of debt we can or can't settle.
We’re here to help!
If you aren’t sure whether your debt qualifies, give us a call to check.
Run the Numbers on Our Program*
Number of payments each month toward repaying your enrolled debt
1Number of months on average it takes our clients to pay off their debts
24-48Average number of accounts our clients enroll
6Average amount our clients save on their total debt balance
51%*Monthly 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.

A Win-Win Situation
When you read about all the benefits of debt resolution with JG Wentworth, it might seem like it’s too good to be true. You might be wondering what the catch is—how does JG Wentworth make its money?
When you enroll your debt in the JG Wentworth Debt Relief Program, we take a fee based on a percentage of the debt that you enroll. We only receive payment if we settle your debt. If we aren’t successful in settling a debt, we don’t make any money—which serves as motivation for our team of negotiators to help you settle as quickly as possible.
The bottom line? We win when you win!
Debt Relief FAQs
“Debt settlement,” “debt relief,” and “debt resolution” are terms frequently used interchangeably to describe the process where you or a company acting on your behalf will negotiate with your creditors to reduce the amount of debt that you owe, with the goal of paying off your enrolled debt entirely.
Most customers who complete our program pay off their enrolled debts in just 24-48 months. Compared to spending years and 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.
Want to see how much time and money you could save by enrolling in our Debt Relief Program? Check out our Debt Repayment Calculator.
The fee we take for settling your debt is calculated into your quoted monthly payment that we work out from the get-go. If you complete the program faster or slower, our fee remains the same; JG Wentworth will never charge you hidden fees.
This fee is a percentage of each debt that you enroll in the program and settle, and that percentage varies from client to client based on their individual situation. If we can’t settle a specific debt for you, we won’t take a fee on that debt.
The dedicated program account provider will take a fee; you can review the specifics of potential provider fees in your enrollment contract with us or in a separate agreement with an outside account provider of your choosing.
We also offer optional “legal insurance” to our clients through an outside law firm for a small monthly fee. That is, if one of your accounts goes delinquent and your creditor takes legal action, a law firm whose plan we offer will represent you. This helpful service is optional; whether or not you choose to sign up for this service is your decision.
Despite having similar names, debt relief and debt consolidation are not the same thing. Debt consolidation is the process wherein you pay off all your monthly debts with a single loan, resulting in just one monthly payment. Both debt consolidation and debt relief share the ultimate goal of getting you out of debt, but debt consolidation loan options will typically require you to have good credit to qualify or may have interest rates that are not much better than your current rates. They do make it easier to remember to pay one bill each month instead of juggling many pre-consolidation debts.
Debt relief is often seen as a less drastic alternative to bankruptcy. While both bankruptcy and debt relief can get rid of your debt, they use very different methods to achieve that goal.
For one, 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 longer than for debt settlement.
Like any solution to overwhelming debt, the debt relief process has its pros and cons—but you’re the only person who can decide if it’s worth it.
Because debt relief is a major commitment, you’ll want to do some digging about what your financial goals are by asking yourself a few key questions.
What am I using my credit for? Do my goals require me to have a decent credit score in the short term, or do I want to have an excellent score in the long term? Can I afford to make a monthly payment toward my debts?
Again, you’re the one who knows your situation and your money goals best. You might conclude that debt relief isn’t right for you—or you might realize that it’s the best thing to happen to your finances! If you’re unsure, our team of certified debt specialists is available to help you make an informed decision.
Why JG Wentworth?
We at JG Wentworth have relationships with many major creditors, and our clients reap the benefits. Because our name is known across the financial services industry, we can confidently negotiate for you with authority. We’re highly respected in our industry, and our name carries weight.
But more importantly, developing a trusting relationship with our clients is essential to the debt relief process at JG Wentworth. When we enroll a new client, we’re entering a partnership with them to help them achieve their goal of attaining a clean slate with their debt and moving toward financial freedom.




If you’re committed to starting fresh, we’re committed to helping you.
Sources Cited
- Fernando, J. (2021, February 24). What does unsecured debt mean? Investopedia. Retrieved from https://www.investopedia.com/terms/u/unsecureddebt.asp
- Chen, J. (2021, June 30). Secured debt. Investopedia. Retrieved from https://www.investopedia.com/terms/s/secureddebt.asp
- What's the difference between debt consolidation and debt settlement? Investopedia. (2022, February 8). Retrieved from https://www.investopedia.com/ask/answers/110614/whats-difference-between-debt-consolidation-and-debt-settlement.asp
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.