Greenwise Debt Relief Review

Helping clients settle and pay off their unsecured debts

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Greenwise Debt Relief

Greenwise Debt Relief

Investopedia’s Rating

Our Take

Greenwise Debt Relief is a debt relief company that offers a free consultation and a debt solution that can help you pay off unsecured debt in 24 to 48 months. Founded in 2018, this company is a newer player within the debt relief industry. However, Greenwise does have positive customer reviews and a good reputation.

  • Pros & Cons
  • Key Takeaways
  • Company Overview 
Pros & Cons
  • Free evaluation for how much you can save

  • In good standing with the American Fair Credit Council

  • Fees are as high as 25% of your settled debt

  • No mobile app or client dashboard

  • Less than transparent about its fees and services

Key Takeaways
  • Greenwise Debt Relief can help you get out of debt in 24 to 48 months, depending on your situation.
  • You may be able to settle your debts for 68% to 75% of what you currently owe after you factor in your current debts (including fees and interest) and debt settlement fees.
  • A free consultation can help you decide if debt settlement is right for you—as well as how much you could save.
  • Debt settlement works for unsecured debts such as credit card debt, personal loans, and medical debt.
Company Overview 

Greenwise Debt Relief was only founded in 2018, which means it is somewhat new within the debt relief industry. While the company is headquartered in Boca Raton, Florida, Greenwise Debt Relief offers services nationwide online and over the phone.

  • Year Founded 2018
  • Program Length As little as 12 to 48 months
  • Fee Schedule 18% to 25% of settled debts
  • Customer Service Telephone and email
  • Phone Number 800-674-9498
  • Official Website

Greenwise Debt Relief wants to be your ally in your journey out of debt using a process known as debt settlement. Debt settlement requires you to stop making payments on your bills and set aside the money for your payments in a dedicated savings account. Once you have enough money saved, Greenwise will work on your behalf to help you pay off your debts for less than you owe. 

Greenwise Debt Relief holds an A+ rating as a member of the Better Business Bureau and offers a free, no-obligation evaluation. Greenwise will design a custom solution for you and estimates that you'll be debt free in 24-48 months.

Greenwise Debt Relief is not one of our top-rated life debt relief companies. You can review our list of the best debt relief companies for what we think are better options.

Pros Explained

  • Free evaluation for how much you can save: Greenwise Debt Relief offers a free savings estimate and consultation to help you learn more about debt settlement.
  • In good standing with the American Fair Credit Council: Greenwise Debt Relief is a member of the AFCC, a leading association of professional consumer credit advocates.

Cons Explained

  • Fees are as high as 25% of your settled debt: Greenwise lists fees of up to 25% in its fine print, a higher range than many competitors charge. 
  • No mobile app or client dashboard: Some debt relief firms have a mobile app or client dashboard customers can access online, but Greenwise doesn't offer these services. 
  • Less than transparent about its fees and services: The Greenwise Debt Relief website requires you to speak with a representative to get most of your questions answered.

Types of Debt Addressed

Greenwise Debt Relief doesn't actively advertise the types of debt it helps settle, but debt settlement is a process geared toward unsecured debt unsupported by collateral. You cannot use debt settlement for secured debts like a mortgage on your home or an auto loan for the car you drive. For the following types of debt, debt settlement could be for you:

Credit Card Debt

If you have out-of-control credit card debt you cannot seem to pay off on your own, Greenwise Debt Relief can help you settle for less. Also note that its debt settlement plans address the total amount you owe, including all interest and fees you have accrued.

Personal Loans 

Debt settlement also works for unsecured personal loans you have, which could come from a bank or an online lender. Other unsecured lines of credit you have could also qualify.

Unpaid Medical Bills

Greenwise Debt Relief can also help you bundle unpaid medical bills into your debt settlement plan. This means it will work with hospitals, doctors, and other medical providers to help settle debts on your behalf.

Look into debt settlement and debt consolidation alternatives like debt management plans (DMPs) and credit counseling to consider all your debt relief options.

Client Onboarding

Like other debt relief firms, Greenwise Debt Relief begins with a free phone consultation where potential clients learn how much they could save and how long the debt settlement program might last. To qualify for help from Greenwise Debt Relief, you must have at least $5,000 in unsecured debt. 

Customer Service

Greenwise Debt Relief employs trained debt specialists to help you settle debts for less than you owe. These experts know the law and use rules like the Fair Credit Reporting Act, the Fair Credit Billing Act, and the Fair Debt Collection Practices Act.

Customer service options are available via email or phone Monday through Friday from 9 a.m. to 8 p.m. EST. You can also send a message using its Meta page. Greenwise does not offer online chat, a mobile app, or a client dashboard.

Company Reputation

You can find information about debt relief companies online and read reviews about user experiences. We suggest checking the Consumer Financial Protection Bureau (CFPB) database for complaints and the Federal Trade Commission (FTC) to see if any company you're considering is under investigation or part of a lawsuit. 

Greenwise Debt Relief doesn't show any open complaints on the CFPB database and has not had any reported problems with the FTC, which has the authority to ban debt relief companies from offering services. Greenwise is a member in good standing with the American Fair Credit Council (AFCC), an organization that sets standards for debt relief companies. It also has an A+ rating as a member of the Better Business Bureau. However, it's only been in business since 2018 and has a fairly limited number of customer reviews.

If you have a complaint about the services of a debt relief company, you can file a complaint with the FTC or call 877-FTC-HELP.

Average Relief Amount

Greenwise Debt Relief says customers pay an average of 68% to 75% of their enrolled debt amounts after accounting for debt settlement fees. This means total debt savings typically fall between 25% and 32% of the amounts owed. 

Average Time for Relief

Like most debt relief companies, Greenwise Debt Relief claims to help most clients over 24 to 48 months. However, its fine print and marketing materials don't match up—the home page claims that clients can be debt-free in as little as 12 months, not 24.


Greenwise Debt Relief charges fees up to 25% of your enrolled debts.

The Competition

  Greenwise Debt Relief National Debt Relief
Year Founded 2018 2009
Accreditation Member in good standing with the American Fair Credit Council; not accredited with the International Association of Professional Debt Arbitrators (IAPDA) Accredited with the American Fair Credit Council; accredited with the International Association of Professional Debt Arbitrators (IAPDA)
Services Offered Debt settlement Debt settlement
Customer Service Touchpoints Free consultation; phone and email customer service Free consultation; phone and email customer service; online client portal
Fee No upfront fees; up to 25% of your debt No upfront fees; pay 15% to 25% of your debt
Average Program Time 24 to 48 months 24 to 48 months

Research several top options within the debt relief industry and compare providers. We compared Greenwise Debt Relief to National Debt Relief, a highly rated and respected debt relief company. While both firms promise they can help you get out of debt in approximately 24 to 48 months, and both offer a free consultation, National Debt Relief can easily be seen as a "safer" option.

Not only does National Debt Relief charge debt settlement fees that start at 15% of your settled debts, but it also has an online client portal that lets customers track their debt relief progress over time. It is also accredited with the IAPDA and an accredited member of the AFCC instead of merely a member in good standing.

Final Verdict

While Greenwise Debt Relief is not one of our top debt relief companies, it may be worth considering if you're looking to get a better idea of your available debt relief options. You can speak with one of its debt specialists for a free evaluation, which can help answer your questions so you can decide if debt settlement will work for you. Receiving a free estimate will also help with your research into other debt relief firms as you compare available options. You may find that another debt settlement company offers more benefits and customer service options with lower fees.


Investopedia compared more than 15 debt relief companies for our reviews. Factors we considered include customer service and satisfaction, third-party reviews and rankings, cost and transparency, debt relief services, and company reputation. 

We gave the highest rankings to debt relief companies with transparent pricing and plenty of information for consumers, as well as those not subject to lawsuits or complaints with federal departments like the Federal Trade Commission. We also compared debt relief companies based on their accreditation or standing with the American Fair Credit Council and the International Association of Professional Debt Arbitrators.

Article Sources
Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
  1. Greenwise Debt Relief. "Home."

  2. American Fair Credit Council. "Greenwise Debt Relief."

  3. Greenwise Debt Relief. "About Us."

  4. Greenwise Debt Relief. "Free Evaluation."