Is Vantage Acceptance the right fit for you?
Debt Settlement
2 more
Last Updated: 04/18/2025
SuperMoney User Recommendation Score -20
Mostly not recommended5 total votes
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Highlights
Community Rating
Mostly not recommended
Minimum Debt Owed
$5,000
Settlement Fee %
60% - 70%(Verified 06/21/2024)
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Monthly Maintenance Fee
$0(Verified 06/21/2024)
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Number of Reviews
Vantage Acceptance Review
Vantage Acceptance is a debt settlement company based in Woodland Hills, CA. It offers debt relief services to borrowers in 50 states (and Washington, DC). Founded in 2009, it is a well-established company that has been in business for over 10 years.
Key Takeaways
- Low debt minimum. Vantage Acceptance 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. Vantage Acceptance 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. Vantage Acceptance has been in business for 17 years.
- Only considers unsecured debts. Vantage Acceptance will only settle unsecured debts. These include credit card accounts and personal loans.
- Available in most states. Vantage Acceptance is available in 50 states, and Washington, DC.
Vantage Acceptance Pros & Cons
| Pros | Cons |
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Vantage Acceptance FAQ
What does Vantage Acceptance do?
Vantage Acceptance offers debt relief services for the following types of debt:
- Unsecured debt, such as credit card debt, medical debt, and personal loans.
What does Vantage Acceptance charge?
Vantage Acceptance charges a settlement fee based on the debt handled. Instead of monthly payments or upfront fees, Vantage Acceptance 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.
Vantage Acceptance settlement fees typically range from 60% of the enrolled debt up to 70% 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 Vantage Acceptance for an accurate quote.
Does Vantage Acceptance offer a guarantee?
No, Vantage Acceptance 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 Vantage Acceptance will consider?
Vantage Acceptance 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 Vantage Acceptance perform its own servicing in-house?
No, Vantage Acceptance partners with third party service providers who negotiate on behalf of the clients they enroll.
What accreditations does Vantage Acceptance 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).
- Vantage Acceptance is an accredited ACDR member.
- Vantage Acceptance is an IAPDA member.
Is Vantage Acceptance Inc. a legit company?
Vantage Acceptance Inc. was founded in 2009, it is a well-established company that has been in business for 17 years. Vantage Acceptance is mostly not recommended by SuperMoney community users.
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 Vantage Acceptance
Contact
Headquarters
Hours of Operation
SundayClosedMonday7:00AM - 5:00PMTuesday7:00AM - 5:00PMWednesday7:00AM - 5:00PMThursday7:00AM - 5:00PMFriday7:00AM - 5:00PMSaturdayClosed
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -20, or 2.6 on a 5-point rating scale.
-20
-1000+100
No one recommends
Everyone recommends
Vantage Acceptance Community Reviews
Would you recommend Vantage Acceptance to your friends?
U
Anonymous
Dec 1, 2022
May or may not recommend
Honestly such great staff accounting department were verry professional and human connection they will guide you when you get lunsums. I was able to graduate in 3 years with more than 16k in dept.
Thrillz
Oct 30, 2019
May or may not recommend
Please do your research and signup with a more experience/ better review debt settlement company. This was my first time ever doing debt consolidation where your credit score will go down but I was ready for that.. I was about 75,000 In debt with 4 creditors. I was paying minimum of 870 a month with this company for about 7+ months. Paying them a total of $5,465.00. During that ...Show More
CW
Christina W.
Aug 12, 2019
May or may not recommend
i would recommend this to anyone who has vast amounts of debt, it was a blessing
LL
Lemzo L.
May 14, 2019
May or may not recommend
screw your entire life by promessing you debt relief. Do not do it.
JS
John S.
Apr 5, 2019
May or may not recommend
Vantage is bait and switch ... we received a mailer Pre-approving us for a loan for more than our unsecured debt ... We have no problems making our card payments (decades with no missed or late payments), we are just sick and tired of the high interest rates. Our credit score s low only because our utilization rate is high.
Instead of a loan, Vantage wanted to renigotiae the debt, which ...Show More
Showing 5 of 5 reviews
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