Last Updated: 12/11/2025
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Highlights
Minimum Debt Owed
Settlement Fee %
Monthly Service Fee
JG Wentworth Review
Key Takeaways
- Don’t Qualify for a Loan? Here’s Another Option. Negotiate with your creditors to reduce the amount of debt that you owe.
- Become debt free in as little as 24 months. Debt resolution program results will vary by individual situation.
- No Minimum Credit Score Required. All credit score types are considered.
- Minimum debt balance of $10,000. JG Wentworth only considers clients who have at least $10,000 in debt. This is a typical requirement for most debt settlement companies. However, it will also only settle individual accounts if they have a balance of $1,000 or more per account.
- ACDR and IAPDA accredited. JG Wentworth 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. JG Wentworth has been in business for 35 years.
- Only considers unsecured debts. JG Wentworth will only settle unsecured debts. These include credit card accounts and personal loans.
- Available in most states. JG Wentworth is available in 50 states, and Washington, DC.
JG Wentworth Pros & Cons
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JG Wentworth FAQ
What does JG Wentworth do?
- Unsecured debt, such as credit card debt, medical debt, and personal loans.
What does JG Wentworth charge?
Clients who are able to stay with the program and get all their debt settled realize approximate savings of 43% before the program fee. JG Wentworth settlement fees typically range from 18% of the enrolled debt up to 25% of the enrolled debt, depending on state regulations.Does JG Wentworth offer a guarantee?
No, JG Wentworth does not have a money back guarantee. Some debt settlement companies advertise a money-back guarantee that typically states you won't be charged until your debt is settled. However, it is illegal for debt settlement companies to charge upfront fees before an account is settled. So these guarantees offer little added value to consumers.What is the minimum debt JG Wentworth will consider?
JG Wentworth is recommended for customers with an unsecured debt of $10,000 or more. Customers with less than $10,000 of unsecured debt may benefit from a debt consolidation loan or credit counseling services.Does JG Wentworth perform its own servicing in-house?
What accreditations does JG Wentworth have?
- JG Wentworth is an accredited ACDR member.
- JG Wentworth is an IAPDA member.
Is JG Wentworth a legit company?
JG Wentworth Disclosure: Program length varies depending on individual situation. Programs are between 24 and 60 months in length. Clients who are able to stay with the program and get all their debt settled realize approximate savings of 43% before our 25% program fee. This is a Debt resolution program provided by JGW Debt Settlement, LLC (“JGW” of “Us”)). JGW offers this program in the following states: AL, AK, AZ, AR, CA, CO, FL, ID, IN, IA, KY, LA, MD, MA, MI, MS, MO, NE, NM, NV, NY, NC, OK, PA, PR, SD, TN, TX, UT, VA, DC. If a consumer residing in any other state contacts Us we may connect them with a law firm that provides debt resolution services in their state. JGW is licensed/registered to provide debt resolution services in states where licensing/registration is required. Debt resolution program results will vary by individual situation. As such, debt resolution services are not appropriate for everyone. Not all debts are eligible for enrollment. Not all individuals who enroll complete our program for various reasons, including their ability to save sufficient funds. Savings resulting from successful negotiations may result in tax consequences, please consult with a tax professional regarding these consequences. The use of the debt settlement services and the failure to make payments to creditors: (1) Will likely adversely affect your creditworthiness (credit rating/credit score) and make it harder to obtain credit; (2) May result in your being subject to collections or being sued by creditors or debt collectors; and (3) May increase the amount of money you owe due to the accrual of fees and interest by creditors or debt collectors. Failure to pay your monthly bills in a timely manner will result in increased balances and will harm your credit rating. Not all creditors will agree to reduce principal balance, and they may pursue collection, including lawsuits. JGW’s fees are calculated based on a percentage of the debt enrolled in the program. Read and understand the program agreement prior to enrollment. JG Wentworth does not pay or assume any debts or provide legal, financial, tax advice, or credit repair services. You should consult with independent professionals for such advice or services. Please consult with a bankruptcy attorney for information on bankruptcy. List of Licenses can be accessed here: Licenses - JG Wentworth
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