At a Glance
Rating Breakdown
Performance Overview
Scores out of 5, based on our editorial analysis
About US Financial Relief
US Financial Relief is a debt settlement company based in Los Angeles, California, founded in 2014. They have resolved approximately $180 million in consumer debt across their decade-plus of operations. The company serves consumers with $7,500 or more in unsecured debt and operates in approximately 38 states. Honest assessment: US Financial Relief is a competent, mid-tier settlement company without a clear differentiating feature. They do not have the volume of Freedom, the ratings of National Debt Relief, the hardship specialization of New Day Financial, or the low fees of budget operators. What they offer is a standard debt settlement service executed adequately by experienced staff. That is not necessarily a criticism. Most consumers just need their debts settled competently and do not need a company with a unique value proposition. US Financial Relief charges 18-25% of enrolled debt on a performance basis and produces settlement results in the 45-52% range. If you end up with them, you will likely get an acceptable outcome. Whether you could do better with a different company depends on your specific debt profile and priorities.
Key Features
Decade of Operations
Operating since 2014 gives them creditor relationships and institutional knowledge that newer companies lack.
Assigned Account Manager
You get a dedicated contact who handles your account throughout the program.
FDIC-Insured Escrow
Monthly deposits are held in an FDIC-insured account in your name.
No Upfront Fees
Performance-based pricing. You pay nothing until settlements are completed and approved.
Free Consultation
Initial debt evaluation is free and covers your options beyond just settlement.
How It Works
Free Consultation
Speak with a debt analyst who reviews your debts, income, and options.
Program Enrollment
Enroll unsecured debts and set up your monthly deposit schedule.
Escrow Building
Deposits accumulate while negotiators begin creditor outreach.
Settlement
Debts are negotiated individually. You approve all settlements before payment.
Program Completion
Settled debts are paid from escrow. Program runs 24-48 months.
What They Do
- Debt Settlement
- Debt Negotiation
- Creditor Communication
- Financial Consultation
Debt Types They Take On
- Credit Cards
- Medical Bills
- Personal Loans
- Store Cards
- Collections
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
Post-Divorce Credit Card Debt
Client assigned $36,000 in joint credit card debt in divorce settlement. Single income of $4,500/month could not support the $1,300/month in combined minimums while covering rent, car payment, and childcare.
Accumulated Consumer Debt
Client had $24,000 across 4 credit cards from years of gradual overspending. No specific hardship event — just expenses that outpaced income over time. Minimum payments of $760/month were manageable but the debt was barely decreasing due to interest.
Pros & Cons
Pros
- Decade-plus of operations provides a reasonable track record and established creditor relationships
- Standard performance-based model with no upfront fees
- Dedicated account manager provides consistent service throughout the program
- Free initial consultation evaluates all debt relief options, not just settlement
Cons
- No clear differentiating feature — standard settlement service without unique methodology or technology
- Fee range (18-25%) is on the higher end of the industry spectrum, especially the 25% ceiling
- Settlement percentages (45-52%) are average — larger volume firms typically achieve 40-48%
- BBB A- rating and no AFCC accreditation
- Available in only 38 states
- $180M total resolved puts them well below the scale of industry leaders
User Reviews (10)
got me out of debt
Settled $30k in 28 months. That is all I wanted and they delivered. No drama, no surprises.
my rep was good
Account manager Jaime was responsive and straightforward. Settlements were in the high 40s which is what he said to expect. No over-promising.
medical debt settled well
My medical collections settled at 37% and 40%. Credit cards were higher at 48% and 51%. If you have a lot of medical debt the numbers work out OK. Credit card results were average at best.
worked for me
Worked for me.
no AFCC accreditation concerns me
After enrolling I realized they are not AFCC accredited. Freedom, National Debt Relief, Pacific Debt — all the companies I should have gone with are AFCC members. US Financial Relief is not. That means less third-party oversight. I completed the program with adequate results but the lack of accreditation would make me choose differently next time.
decent
decent
nothing special
Average settlements, average service, average company. Did the job but I wonder if I could have done better elsewhere. Fees at 22% felt high compared to other quotes I got but I had already enrolled.
higher fees than quoted
Was quoted 20% during the consultation. Final fee structure came in at 23%. The sales person said "it depends on your state and debt types." That may be true but it felt like a bait and switch. Be very clear about the exact percentage before you sign anything.
meh
Average results for average fees. Not sure what the value proposition is compared to the bigger names. They settled my debts, which is what I paid for, so I cannot complain too much.
HIGH PRESSURE sales tactics
The sales call felt like buying a used car. "This rate is only available today." "I have a spot opening up in my portfolio this week." "If you wait your creditors might sue." Classic pressure tactics. When I said I wanted to compare other companies they called me FOUR MORE TIMES over the next two days. Lost any chance of my business with that approach. Desperate is not a good look.
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Important Debt Relief Disclaimers
- Debt settlement programs may negatively affect your credit score. When you enroll, you typically stop making payments to creditors, which results in late payments, collections, and potential charge-offs on your credit report.
- There is no guarantee that a debt settlement company can settle all of your debts or reduce them by a specific amount. Creditors are not required to negotiate or accept settlement offers.
- Debt settlement fees are typically 15%-25% of the enrolled debt amount. You should not pay fees before a debt has been successfully settled. The FTC prohibits debt settlement companies from charging upfront fees before settling at least one debt.
- Forgiven debt of $600 or more may be considered taxable income by the IRS. You may receive a Form 1099-C from creditors for canceled debt. Consult a tax professional about potential tax consequences.
- Creditors may continue collection efforts, including lawsuits, wage garnishment, and bank levies, while you are enrolled in a debt settlement program. A debt settlement company cannot guarantee protection from legal action.
- Alternatives to debt settlement include debt consolidation loans, credit counseling through nonprofit agencies, debt management plans, and bankruptcy. Consider all options and consult with a licensed financial advisor or attorney before enrolling in any debt relief program.
- Zogby does not provide debt relief services. We are an independent comparison service. We do not negotiate with creditors on your behalf or manage debt settlement accounts.
This page is informational, not financial or legal advice. Talk to a qualified professional before making any big money decisions.
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