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Ooraa was established in 2008, and provides debt relief services internationally in the U.S., Australia, New Zealand, and Canada. It is one of the only international companies in the industry. While the company is accredited with the IAPDA, Ooraa lacks an accreditation with the AFCC.

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The Good

  • Free Consultations
  • IAPDA Accreditation
  • Great Service

Free Consultations

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

IAPDA Accreditation

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.

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.

The Bad

  • Lack of Other Accreditations
  • Lacking Information
  • Cancellation Fee
  • No Money-Back Guarantee

Lack of Other Accreditations

The only accreditation that Ooraa holds is with the IAPDA. There are several other industry-level organizations that we could find no accreditations with including the American Fair Credit Counsel. These accreditations are important to have because it assures consumers that the company can be trusted with its practices. Additionally, the company makes no mention of being in compliance with FTC rules and regulations.

Lacking Information

Along with a lack of accreditation, Ooraa is also skimping on information. We were unable to find pricing information, state availability, and minimum debt requirements. This lack of information calls into question the legitimacy and credibility of this company.

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. 

No Money-Back Guarantee

Ooraa does not offer a money-back guarantee.

The Bottom Line

Ooraa is lacking a lot of key information which makes it difficult to rank their services. The cancellation fee is high and their lack of accreditations leaves more to be desired. Given that Ooraa lacks basic information about its services and doesn't hold more of the industry accreditations, we cannot recommend them at this time.

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