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Last Updated: 04/18/2025

Churchill Credit Solutions

in Debt Help from Churchill Credit Solutions LLC

Last Updated: 04/18/2025

Strongly recommended28 total votes

23 users recommend

5 users don't recommend

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Highlights

Community Rating

Strongly recommended

Minimum Debt Owed

$20,000

Settlement Fee %

20%(Verified 06/21/2024)

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Monthly Service Fee

$0(Verified 06/21/2024)

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Number of Reviews

Churchill Credit Solutions Review

Churchill Credit Solutions is a debt settlement company based in New York, NY. It offers debt relief services to borrowers in 40 state across the USA. Founded in 2009, it is a well-established company that has been in business for over 10 years.

Key Takeaways

Minimum debt balance of $20,000. Churchill Credit Solutions is recommended for clients who have a total debt balance of $20,000 or more.
ACDR and IAPDA accredited. Churchill Credit Solutions is a member of the Association for Consumer Debt Relief (ACDR), which is the largest trade association for the debt settlement industry. It also employs debt resolution specialists that have been trained and accredited by the International Association of Professional Debt Arbitrators (IAPDA).
Well-established company. Churchill Credit Solutions has been in business for 17 years.
Multipe types of debt settled. Churchill Credit Solutions settles all types of unsecured debt and private student loans. Unsecured debt includes credit card debt, personal loans, and certain types of student loans.
Available in most states. Churchill Credit Solutions is available in 40 states.

Churchill Credit Solutions Pros & Cons

Pros

Cons

No monthly consultancy fee
Has access to IAPDA accredited debt specialists
AADR member

Recommended for clients with a minimum debt balance of $20,000 or more.

Churchill Credit Solutions FAQ

What does Churchill Credit Solutions do?

Churchill Credit Solutions offers debt relief services for the following types of debt:

Unsecured debt, such as credit card debt, medical debt, and personal loans.
Private student loans.

What does Churchill Credit Solutions charge?

Churchill Credit Solutions charges a settlement fee based on the debt handled. Instead of monthly payments or upfront fees, Churchill Credit Solutions only collects a fee once a settlement has been reached. Fees are calculated as a percentage of the enrolled debt and may vary by state. Across the industry, debt settlement clients typically see a 45% to 60% reduction of their enrolled debt before fees.

Churchill Credit Solutions settlement fees are 20% of the enrolled debt.

Debt relief fees and settlement terms can vary based on your state and individual circumstances, so it’s best to speak directly with Churchill Credit Solutions for an accurate quote.

Does Churchill Credit Solutions offer a guarantee?

Yes, Churchill Credit Solutions does advertise a program guarantee and you won't be charged any fees until your debts are settled. Charging upfront fees is illegal in the debt settlement industry anyway. Check with Churchill Credit Solutions LLC for more details on their guarantee.

What is the minimum debt Churchill Credit Solutions will consider?

Churchill Credit Solutions is recommended for customers with an unsecured debt of $20,000 or more. Customers with less than $20,000 of unsecured debt may benefit from a debt consolidation loan or credit counseling services.

Does Churchill Credit Solutions perform its own servicing in-house?

Yes, Churchill Credit Solutions employs its own in-house servicing staff who manage the process and negotiate settlements on behalf of their customers.

What accreditations does Churchill Credit Solutions have?

The two main trade associations in the debt relief services space are the Association for Consumer Debt Relief (ACDR) and the International Association of Professional Debt Arbitrators (IAPDA).

Churchill Credit Solutions is an accredited ACDR member.
Churchill Credit Solutions is an IAPDA member.

Is Churchill Credit Solutions LLC a legit company?

Churchill Credit Solutions LLC was founded in 2009, it is a well-established company that has been in business for 17 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Churchill Credit Solutions

Our core sectors of expertise are debt forgiveness and settling of credit card debt and unsecured loans for individuals and small businesses. We also offer assistance with private student loans. Our fees are tax deductible.

Contact

Headquarters

115 Broadway, 3rd Fl.

New York, NY 10006

(646) 982-1623

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

6:00AM - 4:00PM

Tuesday

6:00AM - 4:00PM

Wednesday

6:00AM - 4:00PM

Thursday

6:00AM - 4:00PM

Friday

6:00AM - 2:00PM

Saturday

Closed

Churchill Credit Solutions Community Reviews

Would you recommend Churchill Credit Solutions to your friends?

Brianne W.

Dec 1, 2020

May or may not recommend

If you are debt and need help getting out, this would be a great company to help you! There are no monthly fees as some companies charge. Really the only down side of this company is you have to have a huge chuck of debt, $20k. So if you have less than that in debt, you will need to find a different company

Saundra S.

Dec 16, 2019

May or may not recommend

My experience has been positive. Initally, I was at a place of no return in my financial situation, and the professional staff presently assigned to me are helping me to rise ahead. I am thankful Saundra

Willie E.

Dec 9, 2019

May or may not recommend

Good company. Easy enrollment. Backed by attorneys which made me feel extra protected. I was actually thinking about bankruptcy which seems a little foolish now. Glad I found them!

Jose A.

Nov 26, 2019

May or may not recommend

I would recommend them. There are some other companies out there that do a similar thing, but most have them have been sued for shady practices. I forget which one. Freedom maybe? In any case, they sound better here. Fees are a little lower too. 2 accounts settled already.

Plenitude M.

Nov 22, 2019

May or may not recommend

No more endless minimum payments. Happy I went this route. Nothing really to complain about. Seem like pretty good people over there.

Ameen A.

Nov 19, 2019

May or may not recommend

I'm out of debt. Bottom line. It was a little stressful in the beginning, but the longer you get to know the people at the company, the more you realize they actually really know what they are doing.

George G.

Nov 13, 2019

May or may not recommend

Solid group of people there. I asked them why their industry has had a bad reputation in the past and they told me that even when it comes to doctors, there are some bad apples. I'm happy with their service and they have settled three of my cards already. Yeah, my credit took a hit, but they were upfront about it and it wasn't that high a number to begin ...Show More

Anonymous

Oct 15, 2019

May or may not recommend

As of today I'm still receiving calls from my creditors... looks like no one has contacted them in regards to this credit consolidation via Churchill. I don't want to think that I made a huge mistake. I'm going to start calling the creditors myself. I just hope I don't end up canceling my checking account and going to see a lawyer. As of today I can't ...Show More

Judith G.

Jul 2, 2019

May or may not recommend

Finally debt free! Once my debt was gone, I started having fun! I also felt an immense relief at knowing that if something happens and my income becomes limited, I won't have to worry about making debt payments. I'm so grateful to this company. Thanks much Churchill Credit Solutions.

Marjorie A.

Jun 24, 2019

May or may not recommend

Wonderful service to work with and I am finally FREE from debt!That also means no interest and no interest means you can funnel a significant amount of money into your savings and save for funding your dreams and retirement. Really appreciate everything they did!

Alex B.

Apr 28, 2019

May or may not recommend

The people just dont know when and where to find help, stop looking.

Anonymous

Feb 26, 2019

May or may not recommend

you should use A.J. He is the best agent . he got me out of debt quickly.

Carol B.

Jan 14, 2019

May or may not recommend

I was in so much stress before these guys helped me out. I worked with Churchill Credit Solutions to go over my unsecured debts. With their help, we were able to put together a plan to pay down my debts and getting on with my life. Until my credit score was totally cleaned, all negative points were removed within a couple months. I absolutely recommend their services. Totally ...Show More

Maria S.

May 15, 2018

May or may not recommend

I used Churchill Credit Solutions and the consultants truly did an amazing job! This company was recommended by a close friend of mine and I am never been disappointed with the service we received! It was prompt and they consistently provides updates on how my credit score was improving. Their program was very effective and within a couple months, from 550 to 750 real quick and I am very happy ...Show More

Zenida A.

May 10, 2018

May or may not recommend

Excellent customer service! I decided to clear my credit and I was recommended to Churchill Credit Services by a close friend of mine which was also a lawyer. I was never been disappointed with the customer service I received from them, everyone was very friendly, easy to talk to, professional and they were always ready to help. They did an amazing job of mending up my credit rating and I ...Show More

Justin B.

May 8, 2018

May or may not recommend

I am very grateful that Churchill Credit Solution was referred by a close friend of mine and never been disappointed with the decision I made for choosing this company for helping clear my debt. They were able to explain everything I needed to know about their program and it was very efficient. and it was effective! The whole staffs have been always ready to help, they work professionally and they ...Show More

Reita R.

May 5, 2018

May or may not recommend

I can't express how thankful I am! Churchill Credit Solution was truly a great help solving my problem with my debt. A close friend of mine suggested this company and I was never been disappointed I when I signed up their program. They were able to explained how credit works and they also provided more information about their program. Now, I've been working with my credit while following their program. ...Show More

Carylon C.

Apr 30, 2018

May or may not recommend

Great service! Everyone in the company was very attentive and always ready to help. My close friend recommended Churchill Credit Solutions and these guys were able to help solve my problem with my debt. The staffs were very friendly, easy to deal with, knowledgeable and very professional. Also, they were able to explained about how credits work and I was very determined to get their program. I read a couple ...Show More

Ai L.

Apr 27, 2018

May or may not recommend

Churchill Credit Solutions were totally an amazing credit company I worked with for a couple of months now. Everyone was very professional, reliable, quick to respond and they were able to answer all my questions thoroughly and with honesty. I was really determined to solve my problem with my debts and went through their program, it was really great! I couldn't be happier with the great service they provided and ...Show More

ROBERT A.

Mar 25, 2018

May or may not recommend

I am well pleased with Churchill Credit Solution Services up to this point. They have done a great job in settling my debt problems and I have been able to get in contact with them with any questions I needed answered. I have a few months left in the program but if their services are as good at the end of the program as it has been up to this ...Show More

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