Is Ooraa Debt Relief the right fit for you?
Debt Settlement
35 more
Last Updated: 04/18/2025
SuperMoney User Recommendation Score +78
Strongly recommended9 total votes
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Highlights
Community Rating
Strongly recommended
Minimum Debt Owed
$5,000
Settlement Fee %
20% - 25%(Verified 06/21/2024)
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Monthly Maintenance Fee
$0(Verified 06/21/2024)
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Number of Reviews
Ooraa Debt Relief Review
Ooraa Debt Relief is a debt settlement company based in Cheyenne, WY. It offers debt relief services to borrowers in 38 state across the USA. Founded in 2008, it is a well-established company that has been in business for over 10 years.
Key Takeaways
- Low debt minimum. Ooraa Debt Relief stands out from the competition because it only requires clients to have a minimum balance of $5,000. Most firms require at least $10,000 of unsecured debt.
- ACDR and IAPDA accredited. Ooraa Debt Relief 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. Ooraa Debt Relief has been in business for 18 years.
- Multipe types of debt settled. Ooraa Debt Relief settles all types of unsecured debt and business debt. Unsecured debt includes credit card debt, personal loans, and certain types of student loans.
- Available in most states. Ooraa Debt Relief is available in 38 states.
Ooraa Debt Relief Pros & Cons
| Pros | Cons |
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Ooraa Debt Relief FAQ
What does Ooraa Debt Relief do?
Ooraa Debt Relief offers debt relief services for the following types of debt:
- Unsecured debt, such as credit card debt, medical debt, and personal loans.
- Business debt.
What does Ooraa Debt Relief charge?
Ooraa Debt Relief charges a settlement fee based on the debt handled. Instead of monthly payments or upfront fees, Ooraa Debt Relief 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.
Ooraa Debt Relief settlement fees typically range from 20% of the enrolled debt up to 25% of the enrolled debt, depending on state regulations.
Debt relief fees and settlement terms can vary based on your state and individual circumstances, so it’s best to speak directly with Ooraa Debt Relief for an accurate quote.
Does Ooraa Debt Relief offer a guarantee?
Yes, Ooraa Debt Relief 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 Ooraa, Inc. for more details on their guarantee.
What is the minimum debt Ooraa Debt Relief will consider?
Ooraa Debt Relief is recommended for customers with an unsecured debt of $5,000 or more. Customers with less than $5,000 of unsecured debt may benefit from a debt consolidation loan or credit counseling services.Does Ooraa Debt Relief perform its own servicing in-house?
Yes, Ooraa Debt Relief employs its own in-house servicing staff who manage the process and negotiate settlements on behalf of their customers.
What accreditations does Ooraa Debt Relief 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).
- Ooraa Debt Relief is an accredited ACDR member.
- Ooraa Debt Relief is an IAPDA member.
Is Ooraa, Inc. a legit company?
Ooraa, Inc. was founded in 2008, it is a well-established company that has been in business for 18 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 Ooraa Debt Relief
Hours of Operation
SundayClosedMonday6:00AM - 6:00PMTuesday6:00AM - 6:00PMWednesday6:00AM - 6:00PMThursday6:00AM - 6:00PMFriday6:00AM - 6:00PMSaturdayClosed
Other Services by Ooraa, Inc.
Availability
Available in 38 states.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kentucky
- Louisiana
- Maryland
- Massachusetts
- Michigan
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Washington
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +78, or 4.6 on a 5-point rating scale.
+78
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
Ooraa Debt Relief Community Reviews
Would you recommend Ooraa Debt Relief to your friends?
EK
Edwin K.
Jan 2, 2021
Would Recommend
I recently had a credit card debt and Ooraa lent a helping hand by helping settle my debt. Ooraa changes the debt relief game,unlike other debt relief companies that require a minimum balance of $10,000 Ooraa only requires a $5000 ,which seems a lot easier for us hardworking taxpayers to afford their services. Ooraa's cover extends to personal loans,business debt payday loans and many more...... .
MP
Matt P.
Dec 1, 2020
Would Recommend
Ooraa Debt Relief Settlement companies is a reliable AFCC accredited business with scalable fees and many other offers for the customers benefit. Ooraa has calling for debt consultation with debt specialist, they will talk and understand your needs for debt assistance for no fee at all. Debt professionals that will negotiate a settlement on lower debt for the customer. Assuring that all debt reduction within the debt relief program ...Show More
U
Anonymous
Oct 22, 2020
Would Recommend
All thanks to Ooraa Debt Relief Debt.
Thank you for coming through when I thought all hope was lost. With little to-no requirement I was able to Lend over $7,000.
There was doubt at first because I didn't know it would be this easy. I'm grateful for the opportunity. Yes, the experience and the process was easy and you will be amaze with the follow-up.
Great communication and nice customer service from ...Show More
SD
Sarah D.
Oct 14, 2020
Would Recommend
A friend referred me to OORAA and was super skeptical in the beginning. My credit score was low and I had a lot of older collections hanging on. My thought is it would take years to accomplish anything but under the strict supervision, the whole process took about 3 months. My scores are now in the mid 600's.
KL
Kanwar L.
Jul 5, 2019
Would Recommend
I am confident I can get out of my credit card debts. ty for understanding everything
CC
Canem C.
May 27, 2019
Would Recommend
very happy with your services. love your work thankyou sooo much ooraa team
NQ
Naureen Q.
Nov 9, 2018
Would Recommend
Thanks to the entire team. You are awesome and I wish you all the very best in life.
Raj M.
Sep 1, 2017
Would Recommend
best company they saved me allot ... and best part they take it personal efforts and guide me to do right things.. I finish my debt in 18 month I 100% recommend this company . because this company keep all monthly payment in client trust acc that part make us safe .. and language is another plus point we understand each ...Show More
U
Anonymous
Jan 30, 2016
Would not Recommend
Lol absolutely the worse service. They lied to us for 6 months, did not contact any of our creditors, but when confronting them about our progress they kept saying that their work was confidential but the truth was revealed by our creditors, all of them informed us that they were never contacted. They put us in an even worse positio n than when we started! Our cresit went from bad ...Show More
Showing 9 of 9 reviews
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