Greenwise Debt Relief Review

Enroll in services with a transparent debt relief provider

Our editors independently research and recommend the best products and services. You can learn more about our independent review process and partners in our advertiser disclosure. We may receive commissions on purchases made from our chosen links.

Greenwise Debt Relief

Greenwise Debt Relief

overall rating

Our Take

Greenwise Debt Relief is a newer debt relief agency, helping customers with their unsecured debt. The company isn’t transparent about how much its program costs or what it takes to qualify, and you would be better off choosing a debt relief provider that discloses its program requirements. 

  • Pros & Cons
  • Key Takeaways
  • Specifications
Pros & Cons
  • Accredited by the AFCC

  • Program usually takes 24 to 48 months to complete

  • No recent government lawsuits

  • Account management features and communication expectations aren’t disclosed

  • Debt advisors aren’t IAPDA-certified

  • Service area isn’t disclosed

Key Takeaways
  • Greenwise Debt Relief is new to the debt relief industry, as it was only founded in 2017.
  • You can’t access a client portal from the company’s website, and it’s unclear how you can manage your account after you enroll with Greenwise Debt Relief.
  • There aren’t many reviews (positive or negative) from people who have completed Greenwise Debt Relief’s program.
  • The company is unclear regarding its enrollment criteria and what types of debt it negotiates.
  • Year Founded 2017
  • Types of Debt Relief Not disclosed
  • Fees Not clearly disclosed
  • Average Repayment Period 24 to 48 months
  • Accreditations AFCC
  • Minimum Debt Not disclosed
  • Official Website


Greenwise Debt Relief is a debt relief company that can help negotiate settlements with your creditors in amounts less than you owe. In exchange for this service, the company will receive a fee (estimated at 18% to 25% of the total debt enrolled in its program). This performance-based fee structure is typical in the debt settlement industry since providers can’t charge upfront fees.

Debt settlement companies typically only work with credit cards and other types of unsecured debt (e.g., personal loans or medical bills). This is because creditors are more likely to agree to settlements on this type of debt than on loans secured by collateral (e.g., auto loans or home mortgages). 


Debt settlement programs don’t always work and can negatively affect your credit for up to seven years, so they should only be used as a last resort. 

Read on to learn more about the debt settlement program offered by Greenwise Debt Relief.

Company Overview

Greenwise Debt Relief, also known as Greenwise Financial Solutions, LLC, was founded in 2017 and headquartered in Boca Raton, Florida. It’s accredited by the American Fair Credit Council (AFCC), a well-known debt relief industry association. Unfortunately, Greenwise Debt Relief isn’t accredited by the International Association of Professional Debt Arbitrators (IAPDA), an accreditation held by most of the best debt relief companies

Although Greenwise Debt Relief says its services aren’t available in every state, a listing of its service area isn’t available. It isn’t unusual for debt relief companies to not offer their services in every state due to varying debt relief laws and regulations. However, most of the best debt relief providers clearly disclose their service areas on their websites.

Our review didn’t reveal any legal actions by the government against Greenwise Debt Relief at the state or federal level. 

Debt Relief Options

Greenwise Debt Relief doesn’t disclose the types of debts it can help negotiate. However, it’s expected that Greenwise Debt Relief will only work with credit cards and possibly other types of unsecured debt like personal loans or medical bills. 


Creditors often aren’t willing to negotiate settlements on secured debt such as car loans and mortgages or federal student loans, so debt settlement companies don’t work with these types of debt.

Greenwise Debt Relief not only doesn’t provide details about the specific types of debt it can help settle, but it also doesn’t clearly disclose what it takes to qualify for its program. However, if you submit its request form for a free debt evaluation, you’ll need to select your debt amount to begin. The smallest amount you can select is $5,000, indicating that this might be the minimum amount needed to qualify. 

In addition to having a minimum debt amount, you’ll usually need to be in the midst of a financial hardship (e.g., job loss, divorce, or death in the family) to qualify for debt settlement services. It’s unclear if Greenwise Debt Relief requires its clients to meet similar qualifications.


Before you sign up for services with Greenwise Debt Relief, you’ll get a free debt evaluation. During this evaluation, your advisor will speak with you about your debt and what it can do to help you achieve your goals. This type of free consultation is typical in the debt relief industry since providers cannot charge upfront fees. 

Clients who can complete Greenwise Debt Relief’s program and settle all of their debt are typically able to experience savings of 50% before fees and 68% to 75% after fees, based on the total amount of debt enrolled in the program. This suggests the company’s clients usually pay 18% to 25% of the total enrolled debt in fees (calculated as the difference in savings before and after fees). However, the company doesn’t clearly state its typical fees.


The best debt relief companies publish their typical fees on their websites, which usually range from 15% to 25% of the total enrolled debt.

You can expect it to take as few as 12 months, or up to 24 to 48 months on average, to finish Greenwise Debt Relief’s debt settlement program. 

Keep in mind that Greenwise Debt Relief doesn’t promise that it will be able to resolve your debt for a specific amount or how long the program will take to complete. This is because every person’s financial situation is different, and there’s no guarantee that creditors are even willing to settle.

Customer Service: Hours of Operation Aren’t Published on its Website

To contact Greenwide Debt Relief, you can call 1-800-674-9498 or send an email to Greenwise Debt Relief doesn’t publish its hours of operation on its website. However, information about Greenwise Debt Relief published on the AFCC’s website suggests the company is open Monday through Friday from 9:00 a.m. to 8:00 p.m. (ET) and Saturday from 9:00 a.m. to 5:00 p.m. (ET). Greenwise is closed on Sundays.

Although the company’s normal hours of operations appear to be in line with the competition, most of the best debt relief companies make this information readily available. One of the biggest drawbacks to Greenwise Debt Relief is how little information is available on its website. 

Customer Satisfaction: Most Reviewers Are Pleased With Their Initial Call

We evaluated a wide variety of sources to understand what doing business with Greenwise Debt Relief is like. Most reviews are positive, with reviewers calling out their customer service agents by name. Many reviewers used words like "kind," "empathetic," and "helpful" to describe the individuals they worked with at Greenwise Debt Relief.

The main drawback to these positive reviews is that they seem to be focused on the initial call. We weren’t able to find many reviews (positive or negative) from people who finished Greenwise Debt Relief’s program. 

The biggest pattern of negative reviews we saw with Greenwise Debt Relief suggests it may be difficult to unsubscribe from its email list. In response to many of these complaints, Greenwise Debt Relief apologized for any inconvenience and said they would remove the individuals from their email lists right away.

Account Management

It’s unclear what you’ll need to do to manage your account after enrolling in Greenwise Debt Relief’s program. The company doesn’t mention a client portal, and there isn’t a link to one on its website. Most debt settlement companies offer this basic account management tool.

Not only is it unclear if you’ll get access to a client portal, but Greenwise Debt Relief also doesn’t provide information about what type of communication you can expect after you enroll in its program. Most of the best debt relief providers offer details about how frequently you can expect to hear from your debt advisor (e.g., monthly communication). 

Other Features

Greenwise Debt Relief only offers debt settlement services. You’ll need to search for another provider if you want to pursue a different type of debt relief such as credit counseling. Many debt relief providers offer referrals to partners for these types of services. Greenwise Debt Relief doesn’t discuss any such partnerships or referrals on its website. 

Plus, unlike much of its competition, there aren’t any free educational resources or tools on Greenwise Debt Relief’s website. Rather, the website only contains basic information about the company’s debt relief program and doesn’t even include an FAQ page.

How Greenwise Debt Relief Compares to Other Debt Relief Companies

One of the key competitors to Greenwise Debt Relief is National Debt Relief, a well-established debt settlement company in business since 2009. Greenwise Debt Relief has only been in business since 2017, making it a much newer debt relief provider than National Debt Relief. Although both companies are accredited by the AFCC, National Debt Relief is also accredited by the IAPDA. 

These are some of the other key differences between Greenwise Debt Relief and National Debt Relief:

  • Greenwise Debt Relief doesn’t state the types of debt it can help settle, although it’s expected that it likely works most with credit cards and similar unsecured consumer debt. 
  • National Debt Relief can help negotiate settlements on most types of unsecured consumer debt, including credit cards, along with private student loans and unsecured business debt.
  • Where Greenwise Debt Relief doesn’t disclose its typical fees, National Debt Relief is upfront about its fees, which range from 15% to 25% of the total debt you enroll in its program.
  • It’s expected you’ll need $5,000 in debt to qualify for Greenwise Debt Relief, but you’ll need at least $7,500 in qualifying debt to enroll with National Debt Relief.
  • While Greenwise Debt Relief doesn’t offer an online client portal, you can manage your account 24 hours a day, 7 days a week, by logging into National Debt Relief’s client dashboard.

When comparing Greenwise Debt Relief to National Debt Relief, you’re better off choosing National Debt Relief due to its transparency and account management functions.  

Read our full National Debt Relief review.

Greenwise Debt Relief vs. National Debt Relief
  Greenwise Debt Relief National Debt Relief
Year Founded 2017 2009
Types of Debt Relief Unclear Unsecured consumer debt (e.g., credit cards), private student loans, unsecured business debt
Fees Unclear 15% to 25% of total enrolled debt
Minimum Debt Unclear, but likely $5,000  $7,500
Online Client Portal No Yes
Accreditations AFCC AFCC and IAPDA

Final Verdict

Greenwise Debt Relief is a relatively new player in the debt settlement industry. Although it has AFCC accreditation, its lack of clear guidance and disclosure regarding its fees, qualifications, and minimum debt required is concerning. Debt settlement companies should make it very easy for customers (potential and existing) to understand these things. 

It would be a better option to choose a debt settlement company that’s fully transparent about its program.


All of our reviews of debt relief companies are based on extensive research and analysis of each company’s offerings, customer service, pricing, years in business, accreditation, and more. To rate Greenwise Debt Relief and other providers, we developed a debt relief review methodology that compares the debt relief options offered, additional features, fees, success rates, and reported customer experiences to help us provide insights into things like customer service and the strength of each company’s offerings.

You can read our full methodology for a complete description of how we reviewed each company.