Progressive Debt Relief uses a process known as 澳洲幸运5官方开奖结果体彩网:debt settlement to help consumers negotiate and settle all other unsecured debts they might have, such as credit ဣcard 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 negoti꧙ate your debts for less than you owe so you ca🐬n get out of debt once and for all.

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

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 its 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 trackitsdebt relief plans and progress at any time of the day or night.

Cons Explained

• Does not disclose its fee amount upfront: The industry average for debt settlement fees falls between 15% to 25%, yet Progressive does not share how its fees stack up. 
• Minimal customer reviews: Although Progressive Debt Relief has been in business since 2005, it has received very few customer reviews.

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 medic🀅al bills, this type of debt includes monies owed thaꦆt are not secured by collateral.

The types of debt Progressiveꦰ 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 澳洲幸运5官方开奖结果体彩网:median credit card interest rate is (as of March 2025) 24.20%, the in💝terest 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. 

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 yo꧑ur situation and analyze your debts. From there, they will help create a game plan that can h꧒elp 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 澳洲幸运5官方开奖结果体彩网:Fair Credit Reporting Act, and the 澳洲幸运5官方开奖结果体彩网:Fair Debt Collection Practices Act to your advantage.

Customer Service

Progressive Debt Relief really stands𒀰 oꦏut due to its client portal, which you can access on its 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 contact Progrꦕessive Debt Relief over the phone or via 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 . 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 American Association for Debt Relief (AADR).

Average Relief Amount

We already mentioned how Progressive Debt Relief is less transparent than many other firms, which also shows in its 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 its FAQ, it states 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."

Cost

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 its fees are on par with this range before you move forward with them.

Progressivඣe Debt Relief vs. American Debt Relief

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 its fees, customer reviews, expert and consumer rankings, and more. To help yo꧑u 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 AADR. They're also accredited with the IAPDA. Further, American Debt Relief offers a basic timeline of 24 to 48 months for its 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. 

Final Verdict

Progressive Debt Relief could be the best option for your needs, but its 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. 

Methodology

cnjem.compared more than 15 top debt relief companies to find the best in terms of stability (5%), reputation and customer satisfaction (10%), customer experience (7%), services (30%), and cost and fees (48%). We considered whether companies had a membership with the , as well as how long they have been in business. We reviewed the types of services offered, like counseling, debt settlement, tax relief, and more. We also compared companies' money-back guarantees, upfront fees, fee percentage closed, and cancellation policies. For more about how we rate, review, and select the best debt relief companies, 澳洲幸运5官方开奖结果体彩网:read our full methodology.