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LAST UPDATED: November 6th, 2019

Ooraa was established in 2008 and provides debt relief services internationally in the U.S., Australia, New Zealand, and Canada. The company offers a 100 percent money-back guarantee and claims above a 90 percent customer satisfaction rate. It is one of the only international companies in the industry. Ooraa is also accredited by both the IAPDA and the AFCC.

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The Good

  • Free Consultations
  • Great Price
  • IAPDA Accreditation
  • Great Service
  • Low Minimum Debt
  • Generous Discounts

Free Consultations

Ooraa offers free consultations to consumers interested in its debt settlement services.

Great Price

The company charges anywhere from 8 to 20 percent of the total unsecured debt amount; such a low price range is almost unheard of in the debt relief and debt negotiation industry. This price means that if you have a $50,000 debt, you could potentially end up paying just $4,000 to $10,000 in fees. However, company representatives report that the average fee is 15%, which is still low for a debt settlement company.


Because Ooraa is an international company, it is accredited by the International Association of Professional Debt Arbitrators (commonly referred to as IAPDA). This accreditation means the staff at Ooraa are certified to settle unsecured debt. Impressively, the company has also gone to the effort of being accredited by the AFCC as well. 

Great Service

Clients of Ooraa praise them for having excellent customer service and for the fact that there are no upfront fees. The company also gives sincere advice to those who are in debt and want to know what their options are.

Low Minimum Debt 

Ooraa Debt Relief has a very low minimum debt requirement of $5,000. However, company representatives indicate that it Ooraa can even settle debts of $1000 in some Pro Bono cases. 

Generous Discounts

Ooraa is likely one of the most accommodating debt relief companies in the industry when it comes to discounts. Not only does Ooraa Debt Relief offer a 5 percent discount to veterans, it will settle the debt of mentally or physically disabled families for no money at all (at least one member of the family is disabled). An 8-20 percent fee range is fantastic, but when you combine its prices with hefty discounts, Ooraa becomes a serious competitor of the best debt relief companies in the industry. 


The Bad

  • Lacking Information
  • Cancellation Fee

Lacking Information

We were unable to find pricing information, state availability, and minimum debt requirements on its website.

Cancellation Fee

The company charges a 20 percent fee for canceling the program on accounts that have been closed. For example, if you have four credit cards that need to be settled, but you cancel the program after two have already been settled, Ooraa will charge 20 percent of those two settled card amounts.


The Bottom Line

Ooraa does have large cancellation fees and may lack a bit of pricing information on its website, but its low, 8-20 percent cost range in addition to its great discounts make it an excellent debt settlement option for customers. We recommend customers consider Ooraa Debt Relief and compare its customer reviews to those of the top debt relief companies. 

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4 Reviews

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Great customer service and and they are always easy to reach. Helped me when I was in a lot of trouble and now I am living stress-free. Very good service and reasonable rates.

6 years ago

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kanwar Providence, UT

cannot really express my gratitude to the entire team for understanding my situation. I am positive I am on the right path love you ooraaa thankyouuu for everything

4 years ago

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One of the best people we to work with. The best part is that there in no upfront fee and their fee are way than any other company in Market

9 years ago

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Mansoora B Astoria, NY

This company is the worse! They will take all your money and get nothing done! And good luck canceling with them, then they really will be no help!!

7 years ago