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SuperiorDebtRelief

Superior Debt Relief

Superior Debt Relief has some of the most experience in the debt settlement industry; they lack multiple key accreditations.

Our Score
7.3
User Score
9.8

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Our Score
7.3
User Score
9.8
Rank this Company

Ratings Breakdown

Price - % of Debt

Avg. 19%

Accreditations

IAPDA

Free Consultation

Yes

Min. Debt Accepted

$5,000

Money-Back Guarantee

Yes

Number of Reviews

116

This Review is maintained by

Review Last Updated: January 26, 2019

The Good

Industry Experience

For nearly 20 years now, Superior Debt Relief (SDR) has been providing debt relief and counseling to people who find themselves in over $5,000 of debt. This is one of the longest-running debt settlement companies in the industry, which leads us to believe they know how to work with creditors and quickly settle debts.

Positive Superior Debt Relief Reviews

Reviewers mention that SDR consultants make them feel informed and at ease about their situation. Almost every review mentions excellent customer service at some point, and most seem completely satisfied with their SDR experience, which is why they have an average user score of 9.8/10. Read more Superior Debt Relief reviews below for detailed descriptions.

Money Back Guarantee

On its website, SDR promises a money back guarantee on their service fees. While we are not sure if the guarantee has an expiration date, we are impressed that they publicize this on their website (most companies do not).

Free Debt Analysis

You can call SDR for a free consultation over the phone. You will never be charged upfront fees.

Best Debt Settlement Companies

The Bad

Missing Major Industry Accreditations

Superior Debt Relief is one of the only major debt settlement companies that lack federal and industry accreditations. While they are accredited with IAPDA, they are not accredited by the AFCC. This lack of accreditation means they are not held to higher industry standards, and that they are not working with debt settlement organizations to better the industry.

Not Available in All States

SDR is only available 28 U.S. states. States not serviced are CT, GA, HI, IL, ID, KS, KY, LA, ME, MT, ND, NH, NJ, OR, RI, SC, TN, UT, VT, WA, WI, WV, and Washington D.C.

Minimum Debt Requirement

You must have over $5,000 in debt to work with Superior Debt. If you have less debt, you should be able to find another settlement company to work with.

Negative Reviews

There are not very many complaints about SDR. One reviewer mentioned she thought debt settlement companies, in general, were too expensive. Some reviews said they wished they had seen results sooner.

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The Bottom Line

Not everyone can work with SDR. First of all, they are only available in 29 states. On top of that, you must have at least $5k in debt to even be approved. While SDR has some of the most experience in the debt settlement industry, they are missing key accreditations.

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Contact Information

Website: superiordebtrelief.com
Email: [email protected]
Hours:
Monday-Thursday 8 AM – 5 PM MST
Friday 8 AM – 4 PM MST
Address:
2625 Redwing Dr. Suite 140
Fort Collins, CO 80526

How Much Does Superior Debt Relief cost?

About 19% of debt enrolled, but varies by state.
If you go with Superior Debt Relief’s settlement program, you will be charged a percentage of the amount of debt you enroll. Even if the debt goes up by the time you start the program, the company will still honor the original balance amount rather than increasing the fee. You can expect to pay about 19% of the debt amount that you enroll. However, this percentage rate varies from state to state so you’ll need to ask about your state’s specific rate during your consultation.

Are There Any Up-Front Fees?

There are no up-front fees

Can I Get A Free Consultation?

Yes. Superior Debt Relief offers a free consultation.

Does Superior Debt Relief Offer A Money-Back Guarantee?

Clients may cancel from the program at any time without penalty or obligation. Superior makes it clear that all the money that the customer puts into savings is wholly owned by the customer, not the company. If Superior is not able to settle an account to your liking, your money is yours to keep and the company will not collect payment for that account.

What Types of Debt Does Superior Debt Relief Work With?

They work with unsecured debt only, as do most other settlement companies. Secured debts, or debts in which a creditor holds something of value as collateral, cannot be added to your settlement program because such debts are rarely negotiable. However, Superior is willing to help you resolve what you owe on the balance of secured loans if the collateral is repossessed or foreclosed.

About Superior Debt Relief

Superior Debt Relief was established in 1998 in order to ethically help consumers lower their credit card debt while encouraging them to develop smart financial habits. The company has even lobbied Congress for consumer advocacy legislation.

Time in Business

17 Years. They have been assisting debtors since 1998.  The company has membership in several professional organizations, such as the International Association of Professional Debt Arbitrators and the United States Organization of Bankruptcy Alternatives.

Debt Education

Superior provides excellent debt education through monthly newsletters, an informative website, and with professional financial advice for clients. The monthly newsletter contains money-saving tips and ideas and a spotlight on a current client’s unique story of struggle and progress in debt reduction. There is a decent archive of financial articles on the website with clear explanations about how debt settlement works.  The website explains the Fair Debt Collection Practices Act (FDCPA) so customers know what rights they have and what they can do if the law isn’t being followed.

Perhaps one of our favorite features is a really great debt calculator: it gives you the numbers and timelines that other calculators have, but it also tells you, “with the amount of interest you are paying, you could have bought…” The calculator can compute figures for your credit card debts, but also your secured debts such as car loans and mortgage loans. Additionally, once clients are freed from their debts through Superior’s settlement program, they will be provided with expert advice on remaining debt-free, building a financially secure future, and improving credit ratings.

Mobile Friendly

They offer a mobile app with a debt calculator, blog posts, multiple other education resources, company information and much more. The website is updated regularly—something that far too many companies lack— which gives this company major points for being current.  With some work on their Facebook and Twitter pages, the folks at Superior Debt Relief could be connecting with their customers even more than they do with the monthly newsletter.

Services Available

They offer debt settlement, negotiating with your creditors to minimize your total debt so that you end up paying only a fraction. The company points out that with consolidation programs, on the other hand, you are still paying 100% of your total debt (plus fees to the debt management company), even if it is at a lower interest rate. Additionally, consolidation programs usually take much longer than do settlement programs. So while settlement is Superior’s only service, settlement is exactly the type of relief that many debtors are looking for.

Minimum Debt Accepted

Individuals with at least $5,000 of unsecured debt are candidates for their program. Debtors considering a settlement program will have the most success if the majority of their debt is outstanding credit card debt because it is the most negotiable. Customers should also have a monthly budget so they can faithfully make payments, as well as a genuine commitment to avoid bankruptcy.

Online Dashboard

Clients have access to their accounts online to see what is happening at any time. There is also a lot of correspondence with representatives from the company via phone, email and postal mail. Clients have the option to choose how often and what form of communication they receive. The minimum that the company will reach out to you is once a month, yet there is often more communication needed depending on what is happening with your account and your creditors.

Accreditations

*Superior is not accredited with the AFCC, however,  they are BSI certified. BSI is the body that runs the AFCC certifications. They are IAPDA (International Association of Professional Debt Arbitrators) accredited members.

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116 Superior Debt Relief Reviews

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  1. User Score
    10
    December 2nd, 2014 Roanoke, VA
    0 people found this review helpful!
    I recommend this company for help with getting your financial situation in check. They are supportive every step of the way. The feeling of completing the program and have less debt is amazing. I had the best credit counselor you could have, Amy Hill is phenomenal. Thank you Superior Debt Relief and Amy Hill !
    Read More
  2. User Score
    10
    November 25th, 2014 Chandler, AZ
    0 people found this review helpful!
    From the beginning of my inquiry to the moment I am “Debt free”. I only experienced “excellent service”. Thank you to a great Company you have.
    But, an additional Thanks to Dee Galla! She was always there to help each time I had questions or difficulty and would always have the answers! Thank you again!
    Read More
  3. User Score
    10
    November 24th, 2014 Bismarck, ND
    0 people found this review helpful!
    We reviewed several different companies before we chose Superior Debt. They were there along the way, when we needed to readjust our amounts, or needed options. At one point we joked and thought we should put Amy on our Christmas card list. They were an excellent company to partner with and helped us reach our goals. Thank you Superior for giving us financial freedom and relieving our financial debt burden. Dave and Laurie
    Read More
  4. User Score
    10
    November 24th, 2014 Medford, WI
    2 people found this review helpful!
    I have nothing but great things to say about Superior Debt and our counselor, Amy. She was able to settle 6 of our accounts within the first 18 months, and now we are down to just 3 more in our last year in the program. Her communication is always timely and she does a great job answering all of our questions.
    Read More
  5. User Score
    10
    November 24th, 2014 Atlanta, GA
    0 people found this review helpful!
    Les was an excellent rep for over 3 years. he handled my questions and issues in a timely manner and was always available to help. He made the process much more bearable. Thank you Les.
    Read More
  6. User Score
    10
    November 23rd, 2014 Dallas, GA
    0 people found this review helpful!
    Superior service and always willing to help with anything I need. All my debt paid in a manner that I could afford
    Read More
  7. User Score
    10
    November 23rd, 2014 Newton, NC
    1 people found this review helpful!
    This company is great. Friendly people who listen and do not judge. They are willing to work with you, and help you get back on track. If you choose to go this route, highly recommend thses guys!
    Read More
  8. User Score
    10
    November 22nd, 2014 Fairfield, CA
    0 people found this review helpful!
    I was very satisfied with the service this company has provided. Dee Galla was very helpful and sincere in helping me solve my credit problems. Her follow-up phone calls were made on a timely basis. She is always ready to provide guidance and suggestions. I am glad that I signed up with Superior Debt Relief.
    Thank you.
    Read More
  9. User Score
    9
    November 22nd, 2014 Excelsior, MN
    0 people found this review helpful!
    Debt Solutions helped us get out of a losing battle with credit cards. They worked with us every step and kept us up to date on what was happening with each account. Les Brittingham was great.

    Thanks againn
    Edie and Stewart Rosenberg

    Read More
  10. User Score
    9
    November 22nd, 2014 Logansport, IN
    2 people found this review helpful!
    When we started this program we were in debt that there no way of seeing a light at the end of the tunnel. with amys help we our a lot better finacialy now than we were. im very greatfull for all the help at superioir debt.

    the Birnells

    Read More
  11. User Score
    9
    November 22nd, 2014 Omaha, NE
    1 people found this review helpful!
    superior not only helped me with my debit problems they were there for me when I was going through the death of my husband. Amy with superior was so nice and worked hard to help us get our credit card debit taken care of. I couldn’t of become debit free without them. I found out there are good people in the world and I would recommend their services. Thanks again Amy for everything.
    Read More
  12. User Score
    10
    November 21st, 2014 Arlington, MA
    1 people found this review helpful!
    I was very satisfied with my experience with Superior Debt.
    They were very considerate of my wishes and requests.
    Every individual that I dealt with was very professional and friendly.
    Read More
  13. User Score
    10
    November 21st, 2014 San Francisco, CA
    2 people found this review helpful!
    Having no debt is a relief and Superior Debt Service helped me a lot. Special thanks to Amy Hill for doing a great job in walking me through the process and keeping me updated with my accounts. Special thanks also to Matt Forbes for setting me up on this terrific service.
    Read More
  14. User Score
    10
    November 21st, 2014 Olalla, WA
    1 people found this review helpful!
    This service was very helpful to me to get me out of my credit card debt. They were upfront and helpful in settleing it for me and answering any questions or concerns I had along the way. They helped lift the rock off my shoulders.
    Read More
  15. User Score
    10
    November 21st, 2014 Denver, CO
    0 people found this review helpful!
    We had 14 CC accounts, they are know all settled. I worked with Marie, she’s right on top of things and kept the communication line open. We have learned not to depend on CC for foolish spending. Paying with cash!!
    I have no more sleepless nights, creditors calling YEAH!!
    Thanks to the entire staff at Superior Debt Relief. I would recommend to anyone.
    Read More
  16. User Score
    10
    November 21st, 2014 Minneapolis, MN
    1 people found this review helpful!
    Marie did a great job! I would have never been able to get out of debt without their service. They were very courteous and professional.
    I would highly recommend Superior debt services.
    Read More
  17. User Score
    10
    November 21st, 2014 Toledo, OH
    1 people found this review helpful!
    I went into this process with a lot of fear, as I’d never had these problems before; but it turned out to be a really smooth experience. I had two different account managers working with me over the course of about 8 months, and both were very professional and helpful. I can’t imagine ever having ever to need such a service; but I would recommend this to anyone who finds themselves in a similar financial situation!
    Read More
  18. User Score
    10
    November 21st, 2014 Orange Park, FL
    2 people found this review helpful!
    Superior Debt was a lifesaver for Me. Everything that they said would happen did happen. 7 credit cards and $22,000 all paid off within 3 yrs. I would and I do let people know what a Great experience I had. And the people are that on the other end of the line are Wonderful as well. My favorite is Les, I can’t Thank Them enough.
    Read More
  19. User Score
    10
    November 21st, 2014 Charlotte, NC
    1 people found this review helpful!
    I had 11 accounts and with the help of dee all were settled in 3 years.That took a load off me both finical an mental.Now I can learn from my mistakes and live within my means.THANKS TO SUPERIOR DEBT RELIEF
    Read More
  20. User Score
    10
    November 21st, 2014 Toledo, OH
    2 people found this review helpful!
    Superior Debt Relief saved our lives! We were literally drowning in credit card debt. In less than two years all of our debt was settled. Superior were professional and did not make us feel guilty for our past spending decisions. We highly recommend their services.
    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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Our Score
7.3
User Score
9.8
Rank this Company

Ratings Breakdown

Price - % of Debt

Avg. 19%

Accreditations

IAPDA

Free Consultation

Yes

Min. Debt Accepted

$5,000

Money-Back Guarantee

Yes

Number of Reviews

116
Our Score
9.1
User Score
9.0
Rank this Company

Ratings Breakdown

Price - % of Debt

15-25%

Accreditations

AFCC & IAPDA

Free Consultation

Yes

Min. Debt Accepted

$7,500

Money-Back Guarantee

Yes

Number of Reviews

1,091