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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

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Paula Russo Orlando, FL

You absolutely never speak with the same customer service rep...ever! Most speak poor accented English and are difficult to understand. Promised return phone calls are never made and issues are rarely resolved. So sorry I ever signed up with this company.

1 year ago

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tracy grinnell

Not helping. Hard to get ahold of. Changed banking info for payments and they didn't update, so the account with them is on hold. Very frustrated.

1 year ago

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LAZARO VALENZUELA Florissant, MO

AFS doesn't have the client's needed assistance at the forefront, but the profit of AFS. They are always asking for additional funds from people in need.

2 years ago

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Rosalind Jones

Thankful this is over. Customer service was good.

1 year ago

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Reply from Alleviate Financial Solutions

Rosalind,

Thank you so much for taking the time to leave a review and share 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 truly wish you the best.

Sep. 27th, 2023