My experience has been less than ideal. It started off fine with constant communication then once I signed up, I was basically just passed around from one Account Manager to the next and communication became less frequent (once per 2-3 months) unless they needed something. I have had 5 different 'account managers' in less than 6 months and only one creditor account has been negotiated in this time. However, they are still collecting their fee. I would not recommend. read more

BEWARE BEWARE BEWARE OF THIS COMPANY THIS IS A SCAM ! This company is full of liars. They promised to help reduce my debt, but instead, they pushed me into even more debt than I started with. The fees are hidden, buried deep where no normal person would notice them until it's too late. Then they use their shady contract to trap you. They act like they're trying to help, but all they care about is getting your money. Customer service is a joke -- once you sign, good luck getting real help. Do NOT trust them. If you're struggling financially, this will only make things worse. I regret ever signing up with them. I truly hope this review helps someone avoid the financial nightmare I experienced. This company is incredibly deceptive. They do not disclose their fees upfront, and they will say anything over the phone to get you to sign their contract -- which is packed with hidden charges. I was misled, lied to, and left with a much bigger financial burden than I started with. I'm now stuck learning a very expensive lesson. Please, if you're in debt or facing financial hardship, call your creditors directly and work out a plan yourself. Do not trust this company. Save yourself the stress, money, and regret. They stole $4200 from me they refuse to refund. read more

I just signed up with this company due to my large amount of debt so it's hard to give a full review. But what I've seen so far, it looks promising. Only time will tell if they do what they say. I will report back. But while you're waiting, People.... understand one thing........Debt settlement will not preserve your "perfect" credit score. It will literally rip it to shreds. Don't expect to have credit for quite some time. Don't expect your credit card companies to keep your accounts open. They will close them as soon as they get the settlement letter. The contract you sign states the settlement amount is the "going average". Your total may vary. And yes their fees are high. But for me, my settlement amount plus the fees they charge are less then 60% of what I currently owe, not to mention all the interest I will be saving in the future. Thank you read more

Last year before I spoke to Level, I felt trapped by my overwhelming amount of debt. I received a letter from Level and they helped me find the right program for me. They have settled three of my accounts already and saved me over $20,000. I still have two more accounts to get settled but I've only been in the program for a year. My account specialist is great and she always calls me back if I have any questions. Thank you, Level! read more

Let me start by saying I have cleared 1 payment into the program and my Discover account is already locked into a settlement!!! That was my biggest debt and to say I am relieved is an understatement!! I was really nervous about starting this process but now I know I made the right decision. I had been struggling to pay down my credit card debt for a couple years and the balances were barely going down at all. It was getting really difficult to keep up with my monthly payments with the cost of living going up. I finally did the math on how long I would be paying and what I would pay in total if I kept going at the rate I was and the numbers sickened me. I was going to pay back exponentially more than I borrowed, the number was shocking, and it was going to take me decades. My enrollment rep was Mathew Reyes and he made the process very easy and reassured me I was making the right decision. From there I have worked with Brandi who gives me frequent updates and is just a joy to talk to. I feel like I can finally see a light at the end of the tunnel. read more

I went to them for that settlement program and they have been absolutely awesome! They keep in contact with me on a monthly basis. Answer any questions I may have, if I reach out to them they call me back in a timely manner. I was with another company and I took my debts from them and went to level debt. Miguel got the ball rolling and we went through the whole process and get everything set up and Pinnacle legal is the company that settles debts. Aaron calls me on a monthly basis he is awesome I recently put in a call or an email about an issue and I believe it was Sarah that got right back to me! If you're in the market for a debt settlement program I would highly recommend Level Debt!! read more

I was wildly misled by Level Debt about what I was signing up for and I want everyone to understand the lasting negative impact that their scam has had on my financial future: The language Gentry used on the call explaining the debt settlement process made it seem as if Chase Bank was doing something illegal by charging me so much interest on my credit card account. What I was led to believe was that Level Debt was assuming control of my account and settling with Chase. At no point in time was it explained to me that what was actually happening was I was letting my credit card DEFAULT, the debt written off as "bad debt" and subject to settlement. My credit card account with Chase bank and Wells Fargo was closed, which nobody told me would happen, along with the other two lines of credit with Chase that I always paid off fully and carried no balance on. That credit from the bank was MY ONLY SAFETY NET in case of emergencies. Now I am ineligible for credit with Chase, and probably most other banks. I have no liquidity in the event of a personal emergency now. In addition to this, my credit score, which was in the 760 range before I signed on with Level Debt, is now in the 570 range. From great credit to poor credit in one foul swoop. This default will stay on my credit report for YEARS. Level Debt claimed the "impact to your credit is temporary." This characterization of the impact to my credit report was hugely misleading. I am now going to be paying even higher interest rates on ALL forms of lending (car, home, etc) over the next 7 years due to the default with Chase. My car is on its last legs. When I go to apply for a car loan with a 570 score, I'm going to get horrible interest rate offers that might cost me hundreds or even thousands of dollars. Again, my credit and credit score were my only safety nets, and Level Debt quickly undid years of hard work making regular, on-time payments to build great credit. It's a terrifying prospect. I am losing sleep and so, so anxious because I have no recourse with the bank now. I've spent hours on the phone with Chase customer service explaining the ways I was misled by this company into defaulting on my card. From A-to-Z I feel I was scammed - from the threatening, official piece of mail I received indicating penalties for failing to respond to you to the advice from Brandi that I just needed to take a "leap of faith" with Level Debt to settle my account. No customer service agent with Chase has been able to help me get out of the hole Level Debt dug for me. I was advised by Chase bank to file a police report. I will also be reporting the agency to the better business bureau and posting this review on all relevant sites. read more

They have a very nice handout package. The coaching is good, well thought out, but 4 years of it is overkill. They do not give you the opportunity to cancel the coaching, so you may be on the hook for 48 month of coaching charges, which seems vey excessive. I suspect I could have contacted SafeGuard directly to reduce my credit card interest, and saved a few thousand dollars in charges to Level Coaching, USEFS, or their next name. read more

Tracy was amazing! Very helpful and informative. I can not wait to see my debt disappear with her help.

So far so good. The signing up process was pretty straight forward and Chris Salinas knew his stuff. I will update the review as I get further in the process. read more

Such a relief! Very professional, with empathy. Not patronizing in any way or critical! Very grateful they found me, & vica versa!