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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
    November 21st, 2014 Broomfield, CO
    0 people found this review helpful!
    We had an amazing experience. Our credit was not detroyed when going through Superior Debt Relief. It was supposed to take 5 years to clear our debt and they helped us clear up our debt in 3 years. They are amazing and so helpful.
    Read More
  2. User Score
    10
    November 21st, 2014 Newtown, CT
    0 people found this review helpful!
    Les and his team did a great job helping me to settle my remaining credit card debt. The process was seamless, professional and effective. When flexibility was necessary on their part, they were more than they were great in helping me to problem solve. I would highly recommend Superior Debt Relief to anyone facing a mountain of credit card debt and looking for an effective solution to work through and end the debt.
    Read More
  3. User Score
    9
    November 21st, 2014 Griffin, GA
    1 people found this review helpful!
    Superior Debt was awesome to work with. They made a difficult time manageable. Only reason for a 9 instead of a 10 is that I have a hard time giving my whole situation a top score. Glad Superior was there to give me some direction.
    Read More
  4. User Score
    9
    November 21st, 2014 Cape Coral, FL
    5 people found this review helpful!
    Staff friendly and helpful. It was a great weight lifted from me. It was a long haul but without their help I would still be asea with debt. They guide you thru the whole ordeal – are compassionate and understanding. Thank you Superior Debt Relief.
    Read More
  5. User Score
    10
    November 20th, 2014 New York, NY
    2 people found this review helpful!
    I was over 30 thousand dollars in debt when I came to you. I was maxed out on every credit card and had no where to turn. Your team slowly and painlessly led me through a debt reduction program that was fair for me and, ultimately, fair to my creditors. Within 5 years I was debt free. I am forever grateful to this wonderful group of people who are looking out for me and you. Keep that in mind; there is no ulterior motive, they just want to make you credit free; And credit free you will be if you work with them!
    Read More
  6. User Score
    9
    November 20th, 2014 Sarasota, FL
    2 people found this review helpful!
    I feel that Superior Debt helped my finiancial situation with professionalism and willingness to help without going the easy route and filing for bankruptcy. Superior Debt gave me the opportunity to make monthly payments and resolve my debt without consequences. Thankyou Superior Debt!
    Read More
  7. User Score
    10
    November 20th, 2014 Chico, CA
    1 people found this review helpful!
    Very Professional. Kept in contact with me through the whole process. Always courteous and informative. Amy Hill was excellent in her correspondence and never judged me. I referred my coworker and she is pleased also.
    Read More
  8. User Score
    10
    November 20th, 2014 Litchfield, CT
    0 people found this review helpful!
    Had a great experience..affordable monthly payments..any questions I had were always answered quickly..and now my debt is paid off
    Read More
  9. User Score
    9
    November 20th, 2014 Riverview, FL
    2 people found this review helpful!
    Very professional organization. Easy to work with and good communication.
    Read More
  10. User Score
    8
    November 20th, 2014 Port Richey, FL
    2 people found this review helpful!
    Les doing very good job on my credit card debt for years.
    Read More
  11. User Score
    9
    November 20th, 2014 Denton, TX
    0 people found this review helpful!
    Kind and understanding in every way. All the personnel with whom I worked were knowledgeable and customer service experts. I would highly recommend their services to those in need.
    Read More
  12. User Score
    10
    November 20th, 2014 New Port Richey, FL
    0 people found this review helpful!
    When I first found out about this company I was a little hesitant and skeptical of what could happen, and we should be for protecting ourselves. After having a free interview and consultation everything was completed by the interent with privacy. The results I had throughout the few years it took were superior and the finalization of all the business was completed by this company. I did not have to do anything but read some emails and approve a few things sent to me. Success to me is the understanding ability to succeed with the determination of never procrastinating and never accepting failure as an option. These people are very successful.
    When my agreement was completed, it was such a relief knowing my debt is no longer. It helped to come back to realization of life and I have learned to never put myself into that debt position again.
    I hope all that read this leaves with an understanding these people are here to help you. Such a small price for comfort and peace of mind. Sincerely to all–Bob.
    Read More
  13. User Score
    10
    November 19th, 2014 Corpus Christi, TX
    0 people found this review helpful!
    Three years ago I was swimming in credit card debt that totaled over $17,000 dollars. I was hesitant at first to sign up for any debt programs, but began to feel better as my conversation with the representative from Superior continued. Handing over my debt to this company and letting them take the burden and fear I had on my shoulders away was the best decision I could have made. Time flew by and I was able to make an affordable monthly payment over the span of three years. Now I am finished with the program and it feels great to have all of my accounts settled! Everyone I dealt with was friendly and knowledgeable. I am thankful that I found Superior Debt Relief!
    Read More
  14. User Score
    9
    November 19th, 2014 Atlanta, GA
    0 people found this review helpful!
    Working with the professional people at Superior Debt was a very easy journey. They kept me informed and up to date on my account, and were always happy to answer any questions I had. Amy Hill was my account representative. The terms I was given were affordable, even when I went thru a cancer crisis, they understood and were able to help. I just finished my contract today, and it feels wonderful to be debt free!
    Read More
  15. User Score
    10
    November 19th, 2014 TX
    0 people found this review helpful!
    Trust worthy and very professional People. Initially I was doubtful until they started settling the debts. I’m free of credit cards debt, almost 30 k.they were there for me every.
    Read More
  16. User Score
    10
    November 19th, 2014 Medina, OH
    1 people found this review helpful!
    This was a wonderful company to work with. They went above and beyond to help me get out of debt. the whole staff was very knowledgeable esp. Marie Chamberlain who was there every step of the way . Whenever I need anything she was always there to help and advise me as to what needed to be done. They really care about trying and doing their best to help you get out of debt. I would highly recommend this company to anyone who is struggleing with debt. You will be glad you did. I am now paid off and what a relief it is not to have creditors calling and harrassing you. Thank you Superior and all the caring people that they employ
    Read More
  17. User Score
    10
    November 17th, 2014 Naples, FL
    1 people found this review helpful!
    Two and half years ago I had $16,000 in credit card debt with no releif in sight. although I realized that I had gotten myself into debt I also realized that some of it happened because of the promotions and false opportunities that I taken with the credti card companies.
    I had no hope of ever paying back the debt because all I could afford to pay were the minimum payments and the interest just kept mounting. I heard about Superior Debt and after much deliberation decided to give it a try.
    At first i could not sleep at night worrying what would happen if I did not pay my monthly payments as I had always done in the past. I did exactly what they told me to do but mentaly it was not easy.
    After the first account was settled I began to feel some relief.
    Through the whole process of paying off 4 major credit cards Amy Hill was by my side every step of the way, always helpful & understanding that this was not easy but can be done.
    In January 2015 I will be credit card debt free, 6 months ahead of schedule. As I get closer to my retirement age, and a set income, this is beyond belief that I will not have to worry about having credit card payments.
    Thank you to evryone at Superior and especially Amy for helping me all along the wa! You really are Superior!.
    Cathy Orban
    Read More
  18. User Score
    10
    November 14th, 2014 Middletown, CT
    0 people found this review helpful!
    I think this company and the person I dealt with was awesome. I called them regarding my debt and needed help to get out of it. Paying the same amount each month, keeping in touch the whole time going back and forth with emails or an occasional phone call my bills are gone. That wouldn’t have happened without the help of this one special person.
    Read More
  19. User Score
    10
    November 13th, 2014 Steubenville, OH
    0 people found this review helpful!
    I cannot say enough good things about the service provided to me by Superior Debt Services. Dee Galla was my case rep and she was extremely professional in every aspect. She gave me advice, kept me informed, and was tough in me when I needed it. If you need help with debt settlements, I higly recommend signing up with Superior Debt services.
    Read More
  20. User Score
    10
    November 13th, 2014 Cape Coral, FL
    0 people found this review helpful!
    I was one of the many who lost their job when the company I worked for closed during the economy crash. Trying to deal with the stress of the relentless calls from debt collectors while trying to find work along came Superior Debt Relief. From my first phone conversation they made me feel like there was hope and a light at the end of the tunnel. Working with Dee is without a doubt when of the best experiences I have had with any company. She always communicated kept me updated, and was alway positive with every situation. I could not imagine where I would be now without Dee and Superior Debt, I am now debt free and for the first time in a while, feel good about my future. I could go on and on about how good my experience was, but will end with I highly recommend Superior Debt. They may tell you things that sound to good to be true, but it is true.
    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