JG Wentworth Debt Relief Review 2025: Long Reputation but Mixed Customer Reviews

Well-Established Company

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Debt Relief

• Long-standing company 
• Clearly-defined complaint process
• Impressive availability
• Comprehensive financial services

• Not much pricing information
• Hit-or-miss customer reviews
• Not available in every state

Min. required debt	$7,500
Standout feature	30-year track record
Settlement fee	18% – 25% of enrolled debt
Membership fees	None
How much can you save?	Reduce monthly payments up to 43%

With over 30 years of experience, JG Wentworth is one of the longest-standing debt relief companies in the industry. The services stick to industry standards and help tackle debt within two to four years with a fee of up to 25%. What sets the company apart is its solid availability and a clear way to handle complaints.

The biggest potential downside is that customer reviews aren’t as positive as expected. It’s also hard to get specific information about pricing unless you go through a consultation first.

Table of Contents

1. How does JG Wentworth debt relief work?
2. Is it right for me?
3. JG Wentworth debt relief reviews
4. Pros and cons
5. Alternatives
6. How to get started

How does JG Wentworth debt relief work?

Like most of the best debt relief companies, JG Wentworth starts with a consultation. A debt specialist goes over your debt, income, and expenses to suggest the best way to move forward.

It’s also a one-stop shop for financial products like personal loans, credit cards, insurance. It’s a convenient feature if you want to continue working with the company after wrapping up your debt settlement. 

Let’s take a look at what you can expect when you work with the company.

How it works	JG Wentworth
Programs	Debt settlement
Other products	Personal loans, credit cards, structured settlements, and insurance
Timeframe	2 – 4 years
Cost	18-25% program fee

Is JG Wentworth right for me?

JG Wentworth is available in 31 states, so whether you can use the services depends on where you live. The company can connect with other debt-relief options but can’t provide the services directly. 

To work with JG Wentworth, you need to have at least $10,000 of unsecured debt. It’s not the right fit if your debt is lower than that. You also can’t get help with secured debt, like mortgages. If you’re looking for more general financial advice, a nonprofit credit counseling agency might be a better option.

JG Wentworth personal loans are another popular option that some people use for debt consolidation. This is a different approach than debt settlement, and might not work for everyone. During the intake process, JG Wentworth can give you personalized advice to figure out what makes the most sense for your situation.

Here’s a closer look at the requirements for debt relief with JG Wentworth.

Requirement	Details
Min. debt	$10,000
Eligible debt	Unsecured debt like credit card debt or medical debt
Ineligible debt	Secured debt, including auto loans or mortgages
Locations	Available in 31 states

JG Wentworth debt relief reviews

JG Wentworth has an average rating of 4.14 out of 5 on the three biggest review sites. While the ratings are pretty good, they aren’t as high as some other debt relief companies, like Pacific Debt Relief and National Debt Relief.

But the amount of reviews—over 17,000 just on Trustpilot—is a testament to the company’s history and reputation. The number of reviews can also give you confidence that the company is legit and trustworthy.

Source	Customer rating	Number of reviews
Better Business Bureau	3.13/5	188
Trustpilot	4.8/5	17,026
JG Wentworth	4.5/5	534

JG Wentworth pros and cons

Let’s take a look at the biggest pros and cons of working with JG Wentworth for debt relief.

Pros

• Long-standing company 

  JG Wentworth has been providing financial services for over 30 years. It’s one of the longest-standing debt relief companies and is a reputable choice. 

• Clearly-defined complaint process

  The company has a Client Grievance Procedure that lays out exactly what to do if something goes wrong. If your debt specialist can’t help you resolve it, you can ask to talk with a manager. If your issue still isn’t resolved, you can escalate it by emailing [email protected].

• Impressive availability

  You can reach debt relief representatives from 9 am to 11 pm ET on weekdays. The hours are a bit shorter on the weekends, but you can still get help seven days a week. 

• Comprehensive financial services

  JG Wentworth offers a wide range of financial products, including personal loans, credit cards, insurance, and structured settlements. It’s helpful to have different options available, especially when you feel comfortable with the company.

Cons

• Not much pricing information

  It’s challenging to get exact information about pricing without completing a free consultation. While fees range from 18% to 25%, knowing the exact cost uofront would be helpful for comparing options. 

• Hit-or-miss customer reviews

  JG Wentworth has thousands of online reviews that highlight its long history. But the reviews are hit-or-miss. Some customers are thrilled with the service, but others claim it was ineffective or too pricey. 

• Not available in every state

  JG Wentworth doesn’t offer debt relief services in every state. You need to live in one of the 31 states where the company operates, so it’s not an option for everyone. 

Alternatives to JG Wentworth

JG Wentworth is a reputable company with a 30-year history of helping clients, but it’s not the best option for everyone. Here are some other personal finance companies you can consider.  

Company	Best for
National Debt Relief	Best overall
Pacific Debt Relief	Best for customer satisfaction
Money Management International	Best nonprofit

• National Debt Relief: If you need a thorough review of your budget, life circumstances, and debt before moving forward with debt settlement, this company is the top pick. National Debt Relief uses a Whole Human Finance approach that considers the big picture of your life and money. Plus, the minimum debt requirement is $7,500, which is on the lower end, making it an accessible option if you have less debt. 
• Pacific Debt Relief: This company specializes in one-on-one support from certified debt specialists, making it the best option if you want a personalized experience. You’ll get a detailed budget review during your first meeting and work with the same debt specialist throughout your debt repayment. The only potential downside? The average fee is 25%. It’s on the higher end but still typical within the industry.
• Money Management International: If you’re interested in a debt management plan (DMP) instead of debt settlement, MMI is a great pick since it’s a nonprofit credit counseling agency. DMPs lower interest rates and create more manageable monthly payments. The fees tend to be lower, and the timeframe is similar to other options.

How to get started with JG Wentworth

Here’s what you can expect once you’re ready to move forward with JG Wentworth.

1. Complete the intake form: You can give the company a call at 855-688-9669 or complete a 2-minute form on the website. A debt specialist will get in touch after you submit it.
2. Consultation: The next step is a consultation to figure out if debt settlement makes sense for your situation. You’ll go over your options, including your new payment amount and fees. 
3. Begin making one payment: After you agree to the plan, you’ll start making one monthly payment that’s lower than it was before.