Ooraa Debt Relief

in Debt Settlement Companies from Ooraa, Inc.

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Ooraa Debt Relief


in Debt Settlement Companies from Ooraa, Inc.

SuperMoney Net Recommendation Score +60% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly recommended

4 users recommend
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1 user doesn't recommend
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Community Rating Strongly recommended
% of Debt Fee 20% - 25%
Minimum Debt Owed $5,000
Number of Reviews 5

Ooraa Debt Relief Review

Where does Ooraa Debt Relief do business?

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 firm that has been in business for over 20 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.
  • Performance-based fees. Ooraa Debt Relief bases its fees on how much you save when a settlement is accepted and not on the total debt enrolled like most debt settlement firms do.
  • AFCC and IAPDA accredited. Ooraa Debt Relief is a member of the American Fair Credit Council (AFCC), 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 firm. Ooraa Debt Relief has been in business for 29 years.
  • Types of debt settled. Ooraa Debt Relief settles all types of unsecured debt and business debt. Unsecured debt includes credit card debt, personal loans, payday loans, and certain types of student loans.
  • Does not charge a monthly fee. Unlike some debt relief firms, Ooraa Debt Relief does not charge a consultancy fee for additional services.
  • Available in most states. Ooraa Debt Relief is available in 38 states.
  • Offers in-house debt relief services. Some debt settlement companies act as intermediaries for larger firms. This company uses its own staff to handle debt settlement accounts.

Ooraa Debt Relief Pros and Cons:

Pros Cons
  • No monthly consultancy fee
  • Low minimum debt
  • Has IAPDA accredited debt specialists on staff
  • AFCC member

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, personal loans and medical debt
  • Business debt

What does Ooraa Debt Relief charge?

Ooraa Debt Relief operates on a contingency fee basis. Companies operating under a contingency fee model charge fees that are based upon a percentage of the debt at the time the consumer enrolled; occasionally they are based on a percentage of the savings negotiated by the debt-settlement company. Across the industry in general, debt settlement clients typically see a 45% to 60% reduction of their enrolled debt.

Ooraa Debt Relief charges fees that range from 20% of the enrolled debt up to 25% of the enrolled debt, depending on the amount of enrolled debt provided.

Debt relief service pricing / costs can vary greatly from one client to another so it's best to speak to Ooraa Debt Relief directly to determine an accurate quote.

Does Ooraa Debt Relief offer a guarantee?

Yes, Ooraa Debt Relief does advertise a money back guarantee. Money back guarantees in the debt settlement industry typically state you won't be charged any fees until your debts are settled. However, charging upfront fees is illegal in the debt settlement industry anyway. Check with {partent busines} for more details on their guarantee.

What is the minimum debt Ooraa Debt Relief will consider?

Ooraa Debt Relief will only consider customers with 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 American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA).

  • Ooraa Debt Relief is an accredited AFCC member.
  • Ooraa Debt Relief is an IAPDA member.

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  • Headquarters
  •   109 E 17th Street, Suite 80
    Cheyenne, WY 82001
  •   Visit Site

Message from Ooraa, Inc.

We do offer special services for our veterans and physically disable clients.We are 100% performance based company you don't even pay penny until your debt is settled.

Hours of Operation

Pacific Time
  • Sunday Closed
  • Monday 6:00am - 6:00pm
  • Tuesday 6:00am - 6:00pm
  • Wednesday 6:00am - 6:00pm
  • Thursday 6:00am - 6:00pm
  • Friday 6:00am - 6:00pm
  • Saturday Closed

About Ooraa Debt Relief


  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

Feature Breakdown

Money Back Guarantee  
Monthly Fee $0
No Monthly Consultancy Fee  
% of Debt Fee 20% - 25%
Debt Type
  • Unsecured Debt
  • Business Debt
Minimum Debt Owed $5,000
Program Length 12 - 48
AFCC Member  
Contingency Model  
Free Consultation  
IAPDA Member  
In-House Servicing  

Ooraa Debt Relief Community Reviews


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