In a Nutshell
CountryWide Debt Relief at a Glance
CountryWide Debt Relief focuses primarily on debt negotiation, with a strong record of successful settlements that significantly reduced outstanding debt amounts. CountryWide Debt Relief’s services do away with many of the bells and whistles others within the industry offer by instead emphasizing assistance to customers who require it.
We were impressed to see that the company also acts on behalf of customers when dealing with collection agencies, lawsuits, and aggressive creditors who are harassing debtors. Overall, the company delivers a straightforward service that only assesses fees if they can assure customers of settlement success. With over 30 years of combined experience, CountryWide Debt Relief is a premier choice when it comes to effectively escaping from debt.
One of the most important factors when finding a debt relief company is that they offer more than a single service to help deal with debt. No two financial situations are alike, so to handle this disparity, CountryWide Debt Relief offers more than simple negotiation to fit a customer’s unique circumstances. For customers looking for a less extreme way to deal with their existing debt, the company can assist them with finding a debt consolidation loan that can help them roll their existing obligations into one monthly payment with a more favorable interest rate and better repayment terms.
For customers who are past looking for consolidation and are struggling to keep up with debts, CountryWide Debt Relief has an extensive negotiation program that can help limit the damage from debt. The company’s services are also designed to help customers avoid the costly process of bankruptcy, and its long-term negative impact on their finances. Moreover, CountryWide Debt Relief employs a team of legal experts that communicate directly with collectors and other creditors on behalf of company customers to help reduce the harassment and collection calls facing borrowers.
- Success-based payment structure
- Free consultation for any customers
- Certified with AFCC and IAPDA
- All credit scores welcome
- Could offer more educational resources
- Little information about its additional services
- Success-based payment structure only charges customers with a debt reduction over 20%
- Find relief for a wide range of secured and unsecured debt
- Free initial consultation to determine if debt settlement is the right option
- Debt consolidation services provided in certain cases
- Complete repayment program in 12 to 60 months
- A+ rating from the Better Business Bureau
- Accredited with the International Association of Professional Debt Arbitrators (IAPDA) and The American Fair Credit Council (AFCC)
- Will act as intermediary between collections agents and borrowers
Debt Relief Services Offered
CountryWide Debt Relief offers an impressive variety of debt management services that make it an intriguing alternative for customers. The company provides customers with a free professional consultation regardless of what services they require. This helps the company’s specialists determine what the best course of action is for each type of debt, and to establish a plan to tackle the outstanding obligations. CountryWide Debt Relief prefers to work with customers who are in precarious financial situations, and as such their services are more geared toward settlement and negotiation.
Getting started with CountryWide Debt Relief begins with a free professional consultation that helps the company's agents determine the best course of action for each borrower. The application process is simple and can be completed online in just a few minutes. Once the best available strategy has been established, the company will begin the negotiation and settlement process. Overall, debt settlement with CountryWide Debt Relief takes between 12 and 60 months.
One of the aspects that we appreciated about CountryWide Debt Relief is its almost exclusive emphasis on working with customers that are facing financial straits. While these borrowers are not alone in having debt issues, the company believes that its services are better utilized by individuals who are quickly running out of relief options. For the company, these specific borrowers can avoid the damaging bankruptcy process and regain control of their finances with the right settlement and repayment plan. According to CountryWide Debt Relief, they prefer to work with customers who:
- Have a minimum of $7,500 in debt
- Have a financial hardship such as medical emergencies, death of a provider, or divorce
- Have fallen behind their debt repayments
- Do not have the ability to make payments for the foreseeable future
- Have bankruptcy as an only alternative
With that in mind, CountryWide Debt Relief offers a service that is focused on the consumer, helping them avoid a catastrophic outcome thanks to over 30 years of combined experience. Putting aside negotiation and settlement, the company’s other services are designed to help customers avoid falling into a debt hole.
CountryWide Debt Relief offers credit counselling and debt management programs to assist borrowers with creating feasible payment plans. On top of these efforts, it works to impart long-term budgeting and finance skills so that customers can avoid the pitfalls that led to overwhelming debt in the first place. Apart from these benefits, borrowers can appreciate the wide range of debts covered by CountryWide Debt Relief that many competitors seek to avoid.
Types of Debt Covered
During our review, one of the areas of CountryWide Debt Relief efforts that stood out was service for a wide variety of debts, both secured and unsecured. Customers looking for debt negotiation can submit obligations that include credit card debts, bank loans, student loans, business debts, medical debts, creditor lawsuits, and even judgments. Although the company focuses their efforts predominantly towards debt that is not backed by collateral, they can help customers dealing with secured loans in certain cases. Overall, CountryWide Debt Relief manages to offer helpful assistance designed to alleviate the burden of a variety of different obligations.
How Safe is It?
CountryWide Debt Relief is very transparent about its data collection and security practices. While the company does collect some personally identifiable information from participating borrowers, the majority of this data is used to provide a full-service solution. Moreover, the company is explicit about how they utilizes customer information, and with whom they share it. CountryWide Debt Relief will never share information with a third party without first receiving the consent of its customers. Additionally, the company keeps information secured using industry-standard measures to protect its data centers.
Help & Support
Customers who need to get in touch with CountryWide Debt Relief can reach the company via email or through a toll-free number. The company is available around the clock, and we found that support agents were well-trained and knowledgeable about the industry. Over the phone, our wait times were minimal and company representatives were readily able to answer our questions promptly. Email inquiries also took very little time. On average, we waited as little as one business day for a response from the company. An area that took us by surprise was the level of expertise demonstrated by the company’s debt specialists. These individuals were intimately familiar with settlement and negotiation strategies, helping to determine the right course of action. For customers who prefer to find answers on their own, the company hosts a well-rounded and insightful FAQ section on the website.
CountryWide Debt Relief’s varied efforts in debt resolution and relief make it an excellent alternative for borrowers who are facing financial difficulty. With a variety of debt relief services that include negotiation, debt management, credit counseling, and consolidation, the company offers a very comprehensive approach to dealing with outstanding debt before it becomes an unsolvable problem.
We were happy with the company's general level of service, as well as its willingness to help customers that have a diverse range of obligations, both secured and unsecured. Overall, CountryWide Debt Relief represents an ideal choice for customers who feel like they have no recourse and need to start the process of paying off debts with more realistic terms.
1504 Brookhollow Dr #117
Santa Ana, CA 92705