Personalized Approach

Every customer's debt profile is different and Achieve takes this fact into account by offering personalized programs tailored to each individual's unique needs. The company employs over 550 debt consultants and 200+ negotiators to help customers find an approach to resolving debt that works for them. Achieve's debt resolution experts work directly with creditors, on members' behalf to  reduce their monthly payments, and pay off their obligations more quickly.  The company reports that 60% of customers resolve their debt within three months of following their personal programs. To date, Achieve has helped 850,000 customers manage their debt problems. Since its founding, Achieve has resolved over $16 billion in debt.

Services Offered

Achieve uses a variety of services to help customers resolve their debts. The company offers a free initial debt evaluation, which reviews customers' credit reports and debt profiles. The evaluation informs Achieve's debt resolution specialists' program recommendations. The company may recommend various solutions, depending on your personal debt situation. These include credit counseling, personal loans, HELOCs, and, as a last resort filing for bankruptcy. Achieve's debt resolution experts work directly with your creditors to reduce your debt and set up payment plans that help customers bring their payments down to a more manageable level for its customers.

In addition, the company maintains a network of attorneys to assist when a creditor files a lawsuit against an Achieve member. Attorneys focus on getting creditors to settle lawsuits and finding a way to resolve customers' debt without going to court.

Program Guarantee

Achieve stands out for offering a program guarantee. According to the company, "We are so confident in our ability to successfully reduce our member’s debt that if the individual’s total program settlement cost is more than the total amount of debt they enroll in our program, we’ll refund them the difference, up to 100% of our collected fees." That makes engaging Achieve relatively low risk. 

Generally, the company charges between 15% and 25% of the debt you "enroll" in your personalized debt relief program. Your rate may vary depending on your location. Each time Achieve is able to negotiate a settlement, customers have the option of accepting or rejecting a creditor's offer. Achieve charges its fees only after you agree to an individual settlement.

Reputation

Achieve has a positive reputation among consumers. Accredited by the Better Business Bureau, the company earns an A+ rating from that organization. Consumers on Trustpilot award Achieve 4.9 out of 5 stars. That score is based on nearly 6,000 reviews. Customers praise the company's compassion and professionalism, as well as the speed and simplicity of resolving debt through Achieve's services.

Achieve Summed Up

Achieve has a long history and deep experience in resolving debt. The company prides itself on its personalized approach to debt relief and offers a range of services to customize a debt relief plan for individual customers. The company employs over 550 debt experts and 200-plus negotiators and provides customer service seven days a week. Achieve enjoys an excellent reputation among consumers. Overall, Achieve is well worth consideration for individuals who wish to resolve overwhelming debt and reduce their monthly debt payments.