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Alleviate Financial Solutions

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7.7

Overall Score

Author: Kaitlyn Short

LAST UPDATED: March 25th, 2025

Alleviate Financial Solutions is an established debt relief company based in Irvine, California with a minimum debt requirement of $10,000. The company offers unique services like 24/7 account management and a debt graduation upon completion of its program.

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The Good

  • Simple Process
  • Wide Variety of Services
  • Timely Results
  • Positive Reviews and Testimonials

Simple Process

Alleviate Financial Solutions offers a three-step debt relief process to help you resolve your debt in a timely manner.

The first step is free, and involves you speaking with a debt expert from Alleviate Financial Solutions to determine if you are a good candidate for the program. Good candidates will have the right type of debt (unsecured debt such as credit card debt) and will meet a minimum debt requirement of $10,000, according to company policy. Alleviate Financial Solutions also requires you to have at least $500 in unsecured debt with each individual creditor.

The second step is to officially enroll in the debt relief program. In this phase, you will start setting aside a certain amount of money on a schedule. This money will go to a dedicated savings account and help you rack up some funds that Alleviate Financial Solutions will then use as leverage when it negotiates with companies to settle your debt amount.

The third and final step is debt settlement. Once Alleviate Financial Solutions is able to reach a settlement agreement with your creditor, you pay the agreed upon amount to the creditor, using the money you have been setting aside in your dedicated savings account, and your debt with that creditor is resolved. This process can be repeated for additional creditors, if applicable.

Wide Variety of Services

Alleviate Financial Solutions offers debt relief services that are common in the industry, with a few additional perks that customers might appreciate. On top of offering a free consultation and debt relief assessment, the company also offers account management services, negotiation and settlement services, and the opportunity to participate in a “Dropped the Debt” graduation ceremony upon completion of the company’s debt relief program.

Some of these services, particularly account management and a graduation ceremony, go above and beyond what we typically see offered by debt relief companies. 

Timely Results

Alleviate Financial Solutions’ debt relief program typically takes 24 to 48 months to complete. This may seem like a long time but is actually standard for the debt relief industry. This time frame allows you to have time to add funds to your dedicated savings account and allows the company time to negotiate with your creditors once you have sufficient funds saved up.

You should note, however, that this time frame is not guaranteed, and individual circumstances may lead to your program taking longer.

Positive Reviews and Testimonials

Alleviate Financial Solutions has mostly positive reviews and a number of video testimonials that affirm the quality of the company’s service and the friendliness of its staff. These reviews are found across multiple platforms which adds credibility to the company’s positive reputation.

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The Bad

  • Can’t Stop Lawsuits
  • Negative Credit Impact

Can’t Stop Lawsuits

While Alleviate Financial Solutions can work to settle your debts with your creditors, the company cannot protect you from being sued by your creditors. However, you can take comfort in the fact that Alleviate Financial Solutions has a relationship with a nationwide law firm who can help handle your case, should you be sued by your creditors.

Negative Credit Impact

Enrolling in a debt relief program with any company may negatively impact your credit score. However, this is not the debt relief company’s fault; rather it is a byproduct of not paying your debts on time and trying to resolve your financial situation. Alleviate Financial Solutions is not a credit repair company and cannot remove any negative marks from your credit report.

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The Bottom Line

We are really impressed with Alleviate Financial Solutions’ transparency and unique services offered. In terms of debt relief, it offers similar services to its competitors, but the company stands out from the pack due to its attention to detail and the ways it celebrates the wins of its customers. 

The company also offers a helpful FAQ section on its website that details who qualifies for services and what clients should do during the debt relief process. Alleviate Financial Solutions’ team is available 24/7 to help clients.

We recommend scheduling a free consultation with Alleviate Financial Solutions if you are seeking debt relief services and don’t know where to start.

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Star Rating

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4.9

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2,547 Reviews

Review Breakdown

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4 grade

7%

3 grade

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2 grade

0%

1 grade

1%

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Aurora Capel

They do not provide the service they advertise. Requested documentation on the negotiation on one account , they were not willing to provide.

1 month ago

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Reply from Alleviate Financial Solutions

Thank you for reaching out and sharing your thoughts with us, Aurora.

We truly appreciate your feedback and sincerely apologize for any inconvenience or difficulties you may have experienced. We are currently reviewing your concerns and will be in touch with you soon to discuss this further.

We appreciate your patience and look forward speaking with you.

Feb. 19th, 2025

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Cheryl Klein Irvine, CA

A nightmare from the Beginning Until the End.I was able to pay my entire loan in full Before all negotiations started and Alleviate kept negotiating with my creditors in monthly payments even years instead of one lump sum as I they had all the money they needed in my account with them.This error never got fixed even with the assistance of a supervisor named Linda Luna.i always got inconsistent info about my account from different workers and always had to call them.Alleviate even sent me an email threatening to cancel me for non communication and when i called crying they said that email was a mistake on their part.I actually cried a few times to them asking them to not take more money out of my bank account to their constant mistakes.After a very aggravating graduation I mabe saved 1500 after having to pay taxes on the discharged debts.I should have negotiated with my creditors and the debt companies myself.I cannot recommend this company to anyone!!

1 year ago Edited March 12, 2024

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Reply from Alleviate Financial Solutions

Dear Cheryl,

We are deeply sorry to hear that your experience with our service did not meet your expectations. Your feedback is very important to us, and we appreciate the opportunity to address your concerns.

We understand that dealing with financial matters can be challenging, and we apologize for any inconvenience you may have experienced. When you joined our program, our goal was to provide you with clear communication and support at every step.

We understand that you added funds to speed up the negotiation process for your enrolled accounts, and we apologize for any difficulties you encountered during the settlements. This process can often involve back-and-forth negotiations, but we want to assure you that the issue has been resolved and all necessary payments have been made per your preference.

We regret the difficulties you faced and assure you that this is not the kind of experience we aim to provide. We apologize for any inconvenience or frustration you may have experienced along the way. We also want to congratulate you on completing and graduating from the program despite the obstacles.

Once again, we apologize that your experience fell short of your expectations. Your feedback is extremely valuable to us, and we will use it to improve our service continuously. We wish you the best of luck in your future endeavors.

Mar. 12th, 2024

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CHERYL J Tucson, AZ

A NIGHTMARE EXPERIENCE! was able to pay my loan off BEFORE ALL NEGOTIATIONS WITH CREDITORS BEGAN & Alleviate kept negotiating in payments instead of 1 lump sum each time costing me poorer deals.Even with a supervisors assistance this issue NEVER got fixed.I was in tears as Alleviate workers kept telling me payments would keep coming out of my account as i explained to them I WAS PAID IN FULL! EACH TIME!. very poor communication on their part.Always a different story from different workers. Alleviate even sent me an email saying they were going to cancel me for non-communication.AGAIN CRYING, I CALLED THEM and they said that email was sent by mistake. I CANNOT RECOMMEND ALLEVIATE FINANCIAL SOLUTIONS TO ANYONE.

1 year ago

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Reply from Alleviate Financial Solutions

Dear Cheryl, We are deeply sorry to hear that your experience with our service did not meet your expectations. Your feedback is very important to us, and we appreciate the opportunity to address your concerns. We understand that dealing with financial matters can be challenging, and we apologize for any inconvenience you may have experienced. When you joined our program, our goal was to provide you with clear communication and support at every step. We understand that you added funds to speed up the negotiation process for your enrolled accounts, and we apologize for any difficulties you encountered during the settlements. This process can often involve back-and-forth negotiations, but we want to assure you that the issue has been resolved and all necessary payments have been made per your preference. We regret the difficulties you faced and assure you that this is not the kind of experience we aim to provide. We apologize for any inconvenience or frustration you may have experienced along the way. We also want to congratulate you on completing and graduating from the program despite the obstacles. Once again, we apologize that your experience fell short of your expectations. Your feedback is extremely valuable to us, and we will use it to improve our service continuously. We wish you the best of luck in your future endeavors.

Mar. 12th, 2024

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M Taylor Venice, FL

They have misappropriated my money. Statements show they were paying Veritas Legal each month, then I received a court summons and Veritas said my account had been closed 7/18/2022 due to no payment. They have paid just over 5k to my accounts and paid themselves over 7k. I'm still trying to get answers and my money paid back. Alleviate is a VERY dishonest company. They have put me through so much stress, especially with having to show up at court without representation. The judge was even stunned by this. The court date was 7/6/2023. Alleviate keeps giving me the run around. NOT HAPPY!

1 year ago

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Reply from Alleviate Financial Solutions

Hello Merri, We sincerely apologize for the negative experience that you had, and we thank you for the honest review. We are currently investigating your case and we will be in contact with you soon. Kindly be on the lookout for our call.

Sep. 15th, 2023

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Christine Zygutis

Recommend that you work directly with the creditors instead of this company. A lot of promises up front that sound wonderful. Horrible experience and will never participate with debt settlement company again. Terrible service, never follow through and no one knows what the other department is doing. Don’t do it.

11 months ago

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Reply from Alleviate Financial Solutions

Dear Christine,

Thank you for providing your feedback. We deeply apologize for any inconvenience or negative experience you might have faced and appreciate the chance to address your concerns. We are currently reviewing your case and will assign a specialized management team member to contact you again to discuss the matter further. Expect our call soon.

Apr. 23rd, 2024

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David De Armond

Other than me paying you my first installment, I have not seen anything from your company that shows me that your taking my situation seriously, I'M STILL WANTING FOR MY WELCOME PACKAGE, IF YOU CAN'T DO SOMETHING AS EASY AS MAIL ME A LETTER, EXPLAIN TO ME WHY I SHOULD HAVE CONFIDENCE IN YOUR COMANY AT ALL. IM STARTING TO WONDER IF I'VE MADE A MISTAKE ENTRUSTING YOUR COMPANY WITH SOMETHING SO IMPORTANT

1 year ago

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Mike sanders Oklahoma City, OK

My experience have been a total joke. I I have made every payment on time for the last 2 years and could not get anyone to call me back. At least a dozen times called to close my account as I only have one payment left. Took over a month, still no one has called me back. And they told me 4 times that someone would call me back and not one time did they. I will never ever do business with this company again and I highly recommend you don't either!! BEWARE! They do not return calls.

1 year ago

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Martha Slack Louisville, KY

If I could give a zero I would. They mislead you and don’t explain the information up front . Your credit is screwed and all your money goes to their fees . I want all my “recorded calls pulled and played .” I was lied to and heated . Please due your due diligence and stay away from Allieviate

1 year ago

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Reply from Alleviate Financial Solutions

Martha, We are sorry to hear that you did not have a positive experience with our program. We take your concerns seriously and would like to address them.

After reviewing your account, we found that you completed the mandatory quality assurance call that all our clients must take before enrollment to ensure a basic understanding of our program. During this call, we provide crucial information about our program, including its inner workings and how your credit score may be impacted.

Regarding your concerns about fees, we would like to clarify that according to your signed contractual agreement, a service fee of 25% applies to each settled account. It’s important to note that this fee is not charged upfront and only applies when we have performed and obtained a settlement for you.

From your enrollment in June to your cancellation, our team successfully obtained a settlement for you at a fantastic rate of 45% and sent the creditor 5 out of 12 settlement payments. We applied our service fee because we obtained a settlement for you.

We apologize for your negative experience and want to address your concerns further. Please expect our call soon.

Nov. 21st, 2023

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Carlos plascencia martinez

I regret getting in to this program with Alliviate, I was told in the beginnig that after 6 or 7 months I can get a finance to pay off my accounts and then they told me that I dont qualify....of course after 7 months of not paying the creditors my score went down so how can I qualify?

1 year ago

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Reply from Alleviate Financial Solutions

Carlos,

Thank you so much for taking the time to leave a review and sharing your feedback. We truly appreciate your honesty and openness about your experience with us. Your feedback is incredibly valuable to us in our efforts to continually improve our services.

We apologize for any inconvenience we may have caused and would like to address your concerns.

We do offer a loan option through our partnered lenders for clients who live in fundable states. After 6 consecutive monthly payments, you are eligible to apply for the loan.

We completely understand how frustrating it can be when things don't go as planned, especially when it comes to finances. However, you can always re-apply in the future, and our finance team will reach out to you again when you become eligible.

It's important to note that our lenders have their own qualifications for loan approval, and credit isn't the only determining factor. They also take into consideration your debt-to-income ratio, income, and on-time payments outside of the program.

Once again, we're sorry for any inconvenience we may have caused you, Carlos. We appreciate your feedback and are committed to improving our communication and services based on your insights.

Sep. 28th, 2023

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Jeffery Floyd

Warning! These guys are crooks. They catch you when you're in a vulnerable place and they sound very helpful and professional until you find out they're taking 25% off the top for any negotiated settlement amount. They are very good at getting debt collectors to stop calling you but is that really worth 25% of the debt settlement? You decide.

1 year ago

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Reply from Alleviate Financial Solutions

Hello, I appreciate you taking the time to share your feedback with us. Our sincerest apologies for the negative experience you have had. Alleviate Is a regulated debt relief company, and we have successfully helped thousands of people resolve their debts. As stipulated in the signed agreement, a earned performance fee of 25% is applicable for each settled account. This fee is only taken once we have performed and obtained a settlement for an enrolled debt. We apologize if this aspect of our process was not adequately communicated or if it has caused confusion. We would be more than happy to review the specifics of your case with you to ensure that you fully understand the breakdown of fees. Please feel free to reach out to our customer support team at 888-879-9777 to schedule a time for this discussion.

Sep. 18th, 2023

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Katherine Fabian Waco, TX

They are settling and paying on my debt. I no longer worry about phone calls or letters from creditors. I will be debt free in a little over a year! Thank you !

2 years ago

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Rhonda J. Smith Sellersburg, IN

Run, they took my money, and was supposed to pay the IRS. I called the IRS and they had never heard of the company.

1 year ago Edited January 29, 2024

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jesse francis Louisville, KY

The company is difficult to get a hold of and consistently makes draft errors.

2 years ago