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Upswing Debt Relief Review
Upswing Debt Relief Review
ConsumersAdvocate.org Rating: 9.4 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner. Learn more.
Upswing Debt Relief is an online portal that is powered by Freedom Debt Relief.
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Upswing as a company does not settle debt itself, but rather is an online service that helps consumers find the best solution to their debt situation.
ConsumersAdvocate.org Notice: Freedom Debt Relief was recently the target of a Consumer Financial Protection Bureau lawsuit regarding FDR’s disclosure of certain terms.
Please scroll down to the bottom of the review for more information.
How is Upswing rated?
Breakdown
4.5/5
Reputation
4.8/5
Qualification
5.0/5
Pricing & Fees
4.6/5
Services
Overall Rating: 4.7 / 5 (Excellent)
Upswing is a top choice for debt settlement services.
Since the agency is powered by Freedom Debt Relief, customers can be certain they are working with one of the best debt relief companies in the country.
The company is AFCC accredited, and can help customers with anything from $10,000 to $100,000+ in debt.
Upswing Services
Services - 4.6 / 5
Upswing provides an easy-to-navigate online portal to quickly assess a given client's debt settlement needs.
The company first will need to know your amount of debt, if you are behind on payments, your state of residence, and your contact information in order to see your results.
| Services Offered |
Debt Settlement
Professional Consultation
|
| Estimated Debt Reduction | 15-35% |
| Program Length | 24-48 months on average |
| Additional Benefits | Online Management |
Qualification
Qualification - 4.8 / 5
Upswing's online portal allows customers to begin the process of settling debt from $10,000 - $100,000+.
It is important to mention that debt settlement is a process by which customers stop paying their creditors.
The debt settlement company then uses its relationships with these creditors to convince them to take a smaller amount than owed.
As a result of the missed payments, a customer's credit score almost always goes down, but will rebound once the debt is canceled and off the books.
Upswing can help you with virtually any kind of unsecured debt. This includes credit cards, medical bills, department store credit cards, personal loans, certain accounts in collection, etc.
| Debt Solutions For |
Medical Bills
Unsecured Loans
Credit Cards
|
Excluded Debts: No collateral-based loans (auto loans and mortgages) and no federal student loans.
Pricing: How much does Upswing cost?
Pricing & Fees - 5 / 5
Since Upswing is an online portal, pricing and fees will wholly depend on whichever company Upswing ultimately pairs the customer with.
In this case since Upswing works exclusively with Freedom Debt Relief, customers should verify this information with FDR before proceeding.
Reputation
Reputation - 4.5 / 5
Upswing is a relatively new online debt settlement portal. As such, the company has no presence with the BBB or on Trustpilot.
Upswing is, however, an AFCC-Accredited Member.
This indicates the company has the highest ethical standards as AFCC Members are held to a code of conduct which is strictly monitored and enforced.
Compliance & Accreditations
| AFCC Membership | Accredited Member |
Contact & Additional Information
| Headquarters Address | PO Box 2330, Phoenix, AZ, 85002 |
The CFPB Enforcement Action
The Consumer Financial Protection Bureau (CFPB) recently filed a lawsuit claiming that FDR failed to disclose that certain creditors will not negotiate with debt settlement companies. FDR strongly disagrees with this claim. FDR has developed strategies to negotiate settlements with debts from all creditors. In fact, since 2010, FDR settled $1.2 billion in debt (nearly 200,000 accounts) for clients with accounts from the credit card issuers listed in the complaint. ConsumersAdvocate.org cannot judge the merits of the CFPB’s enforcement action against FDR at this time. But the claims—even if true—are limited to whether FDR adequately disclosed its ability to negotiate with certain creditors. ConsumersAdvocate.org is not aware of any claims that FDR has unlawfully charged consumers or otherwise failed to provide services to its customers. You can find more information about the lawsuit at the CFPB’s site here. FDR responded to the CFPB complaint, and you can read the statement here.
The Consumer Financial Protection Bureau (CFPB) recently filed a lawsuit claiming that FDR failed to disclose that certain creditors will not negotiate with debt settlement companies. FDR strongly disagrees with this claim. FDR has developed strategies to negotiate settlements with debts from all creditors. In fact, since 2010, FDR settled $1.2 billion in debt (nearly 200,000 accounts) for clients with accounts from the credit card issuers listed in the complaint. ConsumersAdvocate.org cannot judge the merits of the CFPB’s enforcement action against FDR at this time. But the claims—even if true—are limited to whether FDR adequately disclosed its ability to negotiate with certain creditors. ConsumersAdvocate.org is not aware of any claims that FDR has unlawfully charged consumers or otherwise failed to provide services to its customers. You can find more information about the lawsuit at the CFPB’s site here. FDR responded to the CFPB complaint, and you can read the statement here.
- Powered by Freedom Debt Relief (FDR)
- American Fair Credit Council accredited
- Can settle $10,000+ in debt
- Get a free savings estimate
- No upfront fees