Last Updated: 04/18/2025
Smart Money Management
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Minimum Debt Owed
$3,000
Settlement Fee %
0% - 8.5%(Verified 06/21/2024)
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Monthly Service Fee
$0(Verified 06/21/2024)
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Smart Money Management Review
Smart Money Management is a debt settlement company based in Sylvania, OH. It offers debt relief services to borrowers in 2 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. Smart Money Management stands out from the competition because it only requires clients to have a minimum balance of $3,000. Most firms require at least $10,000 of unsecured debt.
- Not accredited by the ACDR or the IAPDA. Smart Money Management is not a member of the Association for Consumer Debt Relief (ACDR), which is the major trade association for the debt settlement industry. Furthermore, it does not invest in the accreditation of its debt resolution specialists by the International Association of Professional Debt Arbitrators (IAPDA) either.
- Well-established company. Smart Money Management has been in business for 18 years.
- Multiple types of debt. Smart Money Management settles private student loans, business debt, and all types of unsecured debt, such as credit cards and personal loans.
- Only available in some states. Smart Money Management is only available in 2 states.
Smart Money Management Pros & Cons
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Smart Money Management FAQ
What does Smart Money Management do?
Smart Money Management offers debt relief services for the following types of debt:
- Unsecured debt, such as credit card debt, medical debt, and personal loans.
- Business debt.
- Private student loans.
What does Smart Money Management charge?
Smart Money Management charges a settlement fee based on the debt handled. Instead of monthly payments or upfront fees, Smart Money Management 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.
Smart Money Management settlement fees typically range from 0% of the enrolled debt up to 8.5% 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 Smart Money Management for an accurate quote.
Does Smart Money Management offer a guarantee?
No, Smart Money Management 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 Smart Money Management will consider?
Smart Money Management is recommended for customers with an unsecured debt of $3,000 or more. Customers with less than $3,000 of unsecured debt may benefit from a debt consolidation loan or credit counseling services.Does Smart Money Management perform its own servicing in-house?
Yes, Smart Money Management employs its own in-house servicing staff who manage the process and negotiate settlements on behalf of their customers.
What accreditations does Smart Money Management 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).
- Smart Money Management is not an accredited ACDR member.
- Smart Money Management is not an IAPDA member.
Is Gant Investment Advisors, Inc. a legit company?
Gant Investment Advisors, Inc. was founded in 2008, it is a well-established company that has been in business for 18 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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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 Smart Money Management
Hours of Operation
Sunday
Closed
Monday
6:00AM - 3:00PM
Tuesday
6:00AM - 3:00PM
Wednesday
6:00AM - 3:00PM
Thursday
6:00AM - 3:00PM
Friday
6:00AM - 3:00PM
Saturday
Closed