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#32
Ooraa.org_

Ooraa.org Reviews

Average Pricing

Our Score
3.0
User Score
10.0

Compare to #1

Our Score
3.0
User Score
10.0
Rank this Company

Ratings Breakdown

Price

% of total debt
20%

Accreditations

AFCC or IAPDA
IAPDA

Free Consultation

is one included?
Yes

Time in Business

total # of years
7 Years

Min. Debt

Min. debt accepted
$4,000

Guarantee

money back guarantee?
Yes

Number of Reviews

User reviews here on BDC
4

Overall Score

Based on ranking criteria
3.0 /10

Freedom Debt Relief

Compared to industry leader
9.1 /10

This Review is maintained by

Review Last Updated: November 15, 2018

Most Helpful Reviews

  1. User Score
    10
    raj
    February 3rd, 2015 San Francisco, CA
    best customer service , best settlements , upfront , No fake promises,speaks English and Indian language so that understand program well . i tried few company before starting with ooraa .. they all gave me unrealistic settlement figures which even child can under stand that that was wrong .. but ooraa gave me realistic figures and i finish my 54000 debt in 12 months and no complaints. they encourage me to pay fast . at one point i was think to file bankruptcy but now i got batter settlement and i save my credit too.. i m happy to recommend ooraaRead More
  2. User Score
    10
    Navdip Badheshar
    October 24th, 2018 Manassas, VA
    A Good trustworthy and fair company. If we had not enrolled in your program we would be still paying our credit card loans for years to come.Read More

The Good

When comparing debt settlement companies, you’ll notice that Ooraa charges a slightly lower fee – 20% of a client’s total debt. They also require less debt to begin than other companies do. A minimum of $4,000 in unsecured debt will qualify consumers for Ooraa’s settlement services and clients are under no obligation to settle for any particular amount and are able to cancel services without penalty.

Ooraa is a certified member of the IAPDA (International Association of Professional Debt Arbitrators), meaning staff and negotiators have undertaken courses and certification in handling unsecured debt settlement.

Explanations about settlement and bankruptcy, as well as other debt relief options specific to medical bills and tax relief, can be found on their company website. They lay out the step-by-step process of their settlement program for prospective clients, including the necessary actions the client must take regarding paperwork and final settlement payments.

Oooraa’s highlights include:

  • Variety of educational material
  • $4,000 minimum debt
  • Free consultation
  • Low minimum debt
  • IAPDA accredited

Best Debt Companies

The Bad

While Ooraa.org is a member of the IAPDA, they are missing several other key accreditations, including those given by the AFCC. The potential risk to signing with this company is their lack of credible company information.

Within our research and communications with company representatives, we discovered Ooraa also has the same number and address as a company called Settlement Processors. We attempted to do some research on this company to validate any possible affiliation with Ooraa and our calls or messages were never returned. It was difficult to verify where the business is located, as they have several alternate addresses listed on company websites and social media pages. We also saw ties to Vantage Acceptance, Inc, leaving us further confused to what this company is really about.

More questions we cannot answer about Ooraa include:

  • When the business was founded
  • How big their company is
  • Who owns/runs Ooraa
  • Whether or not they have a money back guarantee

Compare to Top-Ranked Debt Settlement Companies

The Bottom Line

While this company may be able to provide settlement services at a standard rate, we feel they are lack company transparency. They are not accredited with the AFCC, which is another cause for concern.

On a more positive note, we did see a few real client reviews scattered around the web with high ratings and complete satisfaction. The company fees are competitive although we are a little dissatisfied that information pertaining to a personal bank account must be given to them in order to draft funds to yet another escrow account. Taking advantage of the free consultation may help determine if this company qualifies to settle your unique debts.

Click Here for Our Top-Rated Debt Settlement Providers.

Contact Information

Website: ooraa.org
Email: [email protected]
Phone: 888-888-9914
Hours:
Mon – Fri: 8am – 10pm (EST)
Saturday: 9am – 9pm (EST)
Address:
109 E 17th Street, Suite 80
Cheyenne, WY, 82001

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4 Ooraa.org Reviews

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  1. User Score
    10
    November 13th, 2018 Providence, UT
    0 people found this review helpful!
    I recommended this company. OORAA DEBT RELIEF has helped me with all my debt issues and explained everything in detail. I really cannot thank you enough for helping me regain control of my finances
    Read More
  2. User Score
    10
    October 24th, 2018 Manassas, VA
    0 people found this review helpful!
    Thank you ooraa for reducing my Chase Bank balance by 60%. I can finally be free from my loans now.
    Read More
  3. User Score
    10
    October 24th, 2018 Manassas, VA
    0 people found this review helpful!
    A Good trustworthy and fair company. If we had not enrolled in your program we would be still paying our credit card loans for years to come.
    Read More
  4. User Score
    10
    February 3rd, 2015 San Francisco, CA
    8 people found this review helpful!
    best customer service , best settlements , upfront , No fake promises,speaks English and Indian language so that understand program well . i tried few company before starting with ooraa .. they all gave me unrealistic settlement figures which even child can under stand that that was wrong .. but ooraa gave me realistic figures and i finish my 54000 debt in 12 months and no complaints. they encourage me to pay fast . at one point i was think to file bankruptcy but now i got batter settlement and i save my credit too.. i m happy to recommend ooraa
    Read More
  • Takes your existing debt and try to settle with your creditors for a lower amount. If you pay off the settled amount, your debt will be considered paid in full.
  • Negotiates with your creditors on your behalf.
  • Fee based on a percentage of your total starting debt or a percentage of the debt they save you.
  • Most settlement companies have you create a separate "escrow" account where you will make monthly contributions over a certain amount of time to contribute to your settlement. Once there is a substantial amount of funds to show your creditors, the settlement company will try to negotiate a lower amount of debt.
  • Combines all your debts and creditors into one monthly payment.
  • Allows you to pay one monthly payment to the consolidation company, instead of multiple payments to different creditors.
  • You no longer owe your original creditors; instead you pay one monthly payment to your consolidation company.
  • Consolidation companies can help negotiate lower interest rates on your debts and help lower your total debt payment in the long run. A lower interest rate will lower the amount you owe in the end.
  • Allows you to consolidate all your different debts into one personal loan that can be paid off over time.
  • Can offer borrowers a lower interest rate with a longer payback term (compared to high-interest credit cards or medical bills). This will lower the amount of money required to pay off the loan over time.
  • Personal loan debt consolidation can be an effective way to raise your credit score quickly (within 3-6 months).
  • Borrowers can receive funds from their loan within only a few days.

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Real Reviews (yes they’re real)

With so many debt relief companies out there, and a lack of sites willing to bring you the HONEST breakdowns of each company, what source can you turn to for the real information you can trust?

We are dedicated to bringing the truth out, and rank debt relief companies as they should be. Through our investigation, and experience with each company, we rank each company, and bring you our honest, unbiased opinion. We also include authentic user reviews by past customers of each company that are moderated and verified.

Like many sites, we are compensated through affiliate relationships with each company we review, however all of our rankings are based on our 11-Point Ranking Criteria.

All reviews are subject to moderation and approval. Any reviews that may resemble false information, or competitors of another company will need to be verified by our staff before being approved and published. We reserve the right to approve or deny any reviews left on this site.

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Our Score
3.0
User Score
10.0
Rank this Company

Ratings Breakdown

Price

% of total debt
20%

Accreditations

AFCC or IAPDA
IAPDA

Free Consultation

is one included?
Yes

Time in Business

total # of years
7 Years

Min. Debt

Min. debt accepted
$4,000

Guarantee

money back guarantee?
Yes

Number of Reviews

User reviews here on BDC
4

Overall Score

Based on ranking criteria
3.0 /10

Freedom Debt Relief

Compared to industry leader
9.1 /10
Our Score
9.1
User Score
9.0
Rank this Company

Ratings Breakdown

Price

% of total debt
15-25%

Accreditations

AFCC or IAPDA
AFCC & IAPDA

Free Consultation

is one included?
Yes

Time in Business

total # of years
15 Years

Min. Debt

Min. debt accepted
$7,500

Guarantee

money back guarantee?
Yes

Number of Reviews

User reviews here on BDC
940

Overall Score

Based on ranking criteria
3.0 /10