Progressive Debt Relief Review

Settle your credit card debt and payday loans for less than you owe

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Progressive Debt Relief

Progressive Debt Relief

Investopedia’s Rating

Our Take

Progressive Debt Relief offers a free, no-risk consultation and a debt solution known as debt settlement. According to the Better Business Bureau, they have been in business since 2005, and they don't charge any upfront fees for their services.

  • Pros & Cons
  • Key Takeaways
  • Company Overview 
Pros & Cons
  • A free, no-risk consultation can help you determine if debt settlement is right for you

  • No upfront fees, meaning you only pay for help as each debt is settled

  • Client portal lets customers track their debt settlement progress in real-time

  • Does not disclose their fee amount upfront

  • Not accredited with the Better Business Bureau or the American Fair Credit Council (AFCC)

  • Troubling customer complaints

Key Takeaways
  • Progressive Debt Relief helps consumers settle debts for less than they owe.
  • Unsecured debts can be built into your debt relief plan, including credit card bills, medical debts, payday loans, unsecured lines of credit, and more. 
  • This debt relief company does not charge any upfront fees, but they do not disclose their fees until you speak with a debt specialist.
  • Progressive does not advertise a specific length of time your program might take. Instead, they say that the "actual length of time that will be needed to negotiate a specific settlement or to complete your plan is not guaranteed."
Company Overview 

Progressive Debt Relief has been in business since 2005, and they claim to be one of the pioneers in helping consumers resolve and settle payday loans. However, this firm helps people settle unsecured debts of all kinds, from credit card debt to medical bills and business debts. While Progressive Debt Relief has a physical location in Orlando, Florida, they offer their services online, via email, and by phone.

  • Year Founded 2005
  • Program Length Not disclosed
  • Fee Schedule Not disclosed
  • Customer Service Telephone, email, and client dashboard
  • Phone Number 877-590-1847
  • Official Website

Progressive Debt Relief uses a process known as debt settlement to help consumers negotiate and settle all other unsecured debts they might have, such as credit card debt. It has been a pioneer in the industry when it comes to helping consumers escape from a cycle of using payday loans to stay afloat.

According to the website, Progressive has "established relationships" with all the major payday loan companies and other known creditors. They use these relationships to help negotiate your debts for less than you owe so you can get out of debt once and for all.

Like other debt relief companies, Progressive Debt Relief is adamant that they do not charge fees upfront and that you only pay fees as each debt is settled. However, they do not disclose their fee amount upfront, as some competitors do. 

Debt settlement requires you to stop making payments on your bills while you save up money in a separate account. This can cause damage to your credit score.

Pros Explained

  • A free, no-risk consultation can help you determine if debt settlement is right for you: Like other debt relief companies, Progressive Debt Relief gives you the chance to ask questions and learn more about their process during a free consultation. 
  • No upfront fees, meaning you only pay for help as each debt is settled: You don't pay any fees to get started on a plan. Instead, you pay fees as your debts are settled and paid off.
  • Client portal lets customers track their debt settlement progress in real-time: Progressive Debt Relief is one of the few debt relief companies that offers a client portal online. This portal makes it easier for customers to track their debt relief plans and progress at any time of the day or night.

Cons Explained

  • Does not disclose their fee amount upfront: The industry average for debt settlement fees falls between 15% to 25%, yet Progressive does not share how their fees stack up. 
  • Not accredited with the Better Business Bureau or the American Fair Credit Council (AFCC): Most reputable debt relief companies have some major accreditations, yet Progressive Debt Relief does not.
  • Troubling customer complaints: If you dig around, you'll find some troubling reviews and customer complaints for this provider. For example, some Better Business Bureau complaints talk about poor customer service, broken promises, and poor experiences overall.

Types of Debt Addressed

Like all debt relief companies, Progressive Debt Relief only helps consumers settle the unsecured debts they have. While unsecured debt can come in many forms such as credit card debt or medical bills, this type of debt includes monies owed that are not secured by collateral.

The types of debt Progressive Debt Relief helps with include:

Payday Loans

Progressive Debt Relief claims they were one of the first companies to help consumers break the cycle of using payday loans to stay afloat. While any unsecured debt can be problematic, payday loans can cause huge problems since typical interest rates can be around 400%. 

Credit Card Debt

Credit card debt can also become costly for consumers, and that's especially true when you have a large debt load. Since the median credit card interest rate is currently at 19.49%, the interest you pay can make paying your balance off a challenge.

Medical Bills

Past due medical bills can also add up quickly if you don't have health insurance (or even if you do). Progressive Debt Relief can bundle medical bills into your debt settlement plan with the goal of helping you pay less than you owe.

Business Debts

Progressive Debt Relief also helps its customers settle business debts they owe. The business debt just needs to be unsecured to qualify. 

Debt settlement cannot be used to help negotiate secured debts like a mortgage or an auto loan.

Client Onboarding

If you decide you may want to work with Progressive Debt Relief, you get the benefit of a free consultation with no obligation to move forward on your part. During the consultation, a debt relief counselor will talk through your situation and analyze your debts. From there, they will help create a game plan that can help you settle unsecured debts for less than you owe. 

Remember that debt specialists are accredited with IAPDA and trained to help you with your personal situation, but they also know how to use laws like the Fair Credit Billing Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act to your advantage.

Progressive Debt Relief doesn't advertise a specific length of time its debt settlement programs take. This is an important question to ask during a free consultation, just as you should ask for information on its debt settlement fees.

Customer Service

Progressive Debt Relief really stands out due to their client portal, which you can access on their website. This portal is a feature not offered by all debt relief companies, yet customers tend to like having portal access because it gives them a chance to monitor their debt settlement plans without calling in or emailing for help.

Customers can also reach out to Progressive Debt Relief over the phone or via their customer service email. If you decide to call in for help, you should know that customer service hours are from 9 a.m. to 5:30 p.m. ET, Monday through Friday. 

Progressive Debt Relief does not offer any weekend hours.

Company Reputation

The debt relief industry doesn't have a great reputation, and in fact, many shady companies make dubious claims. If you take the time to learn more about debt relief options, you'll quickly discover that the Federal Trade Commission (FTC) frequently shares warnings about debt relief and credit repair scams.

As you compare debt relief companies, you should take the time to check individual firms for reviews, complaints, and government actions that may have been taken against them. For example, you can check for open cases with the FTC. You should also search the Consumer Financial Protection Bureau (CFPB) database for complaints.

Progressive Debt Relief shows no complaints on the CFPB complaint database from the last three years. It's also worth noting that Progressive is not accredited or rated with the Better Business Bureau, or the AFCC.

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

Average Relief Amount

We already mentioned how Progressive Debt Relief is less transparent than many other firms, which also shows in their average relief amount. They don't actually advertise any specific amount of relief they can help you achieve.

Average Time for Relief

Once again, Progressive Debt Relief doesn't share an average length of time it will take for you to become debt-free. In their FAQ, they say that "the actual size of any debt reduction and the actual length of time that will be needed to negotiate a specific settlement or to complete your plan is not guaranteed."


Progressive Debt Relief does not disclose its fees or even a range of fees. The average industry fee for debt settlement is 15% to 25% of each settled debt, so make sure their fees are on par with this range before you move forward with them.

The Competition

  Progressive Debt Relief American Debt Relief
Year Founded 2005 2012
Accreditation Not accredited or rated with the Better Business Bureau Not accredited with the  American Fair Credit Council (AFCC) Accredited by the American Fair Credit Council (AFCC) 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 Online client portal Free consultation Phone customer service Online client portal
Fee No upfront fees Fees not disclosed No upfront fees Fees not disclosed (fine print implies 25%)
Average Program Time Not disclosed 24 to 48 months

Before you select a debt settlement company, it makes sense to compare a few different providers to see how they stack up in terms of their fees, customer reviews, third-party rankings, and more. To help you in this chore, we decided to compare Progressive Debt Relief to another company, American Debt Relief,  with similar offerings that include an online client portal.

The main difference you'll note with American Debt Relief is the fact they're accredited by the AFCC. They're also accredited with the IAPDA.

Further, American Debt Relief offers a basic timeline of 24 to 48 months for their debt settlement plans.

For these reasons, we believe American Debt Relief is a better option for debt relief. However, you should compare all the best debt relief companies out there before you decide. 


Progressive Debt Relief could be the best option for your needs, but their lack of transparency online is somewhat troubling. If you decide to move forward with them on a debt settlement plan, we suggest having a list of questions to ask before you get started with a free consultation. For example, you'll want to have an estimate of your debt payoff timeline and full knowledge of the fees you'll pay. 

How We Review Debt Relief Companies

Investopedia compared more than 15 top debt relief companies in order to rank them on the most important factors. Criteria we considered included third-party rankings, user reviews, accreditation, transparency, fees, and debt repayment timelines. 

We ranked each debt relief company in appropriate categories using a star rating system. Ultimately, we gave the highest ratings to companies that are fully transparent, as well as those with excellent ratings and reviews and full accreditation from third parties like the American Fair Credit Council.

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. "Payday Loans: Fast Cash and Costly."

  2. Federal Trade Comission. "Debt Relief and Credit Repair Scams"