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Independent review · Not affiliated with Countrywide Debt Relief

Last updated: June 25, 2026

Countrywide Debt Relief Reviews: Is It Legit? (2026)

Is Countrywide Debt Relief legit? Yes. Countrywide Debt Relief is a real, BBB A+ debt settlement company based in California, an ACDR member with no upfront fees and a performance-based model. The things to know: clients who complete the program typically save around 25% to 30% of enrolled debt after fees, not all creditors negotiate, and the most common complaint is the pace of settlements feeling slow against a fixed program term. Here is the full picture.

Comparing Debt Settlement Companies? See your options and the real fees in one place before you enroll anywhere. Free, no obligation. or call 1-877-850-3328

On this page Is Countrywide Debt Relief legit? What is Countrywide Debt Relief? Countrywide Debt Relief vs similar names How it works Fees and realistic savings Ratings and complaints Pros and cons What to ask before you enroll Frequently asked questions

Is Countrywide Debt Relief Legit?

Yes, Countrywide Debt Relief is a legitimate company. It is a registered debt settlement firm with a physical office in California, operating since 2008, holding an A+ BBB rating and displaying ACDR accreditation. It follows the federal no-upfront-fees rule, charging only when a debt is actually settled. It is not a scam.

As with any debt settlement company, legitimate does not mean right for everyone or risk-free. The things worth understanding with Countrywide are realistic savings after fees, the pace of settlements, and not confusing it with similarly named companies. The rest of this review covers them.

What Is Countrywide Debt Relief?

Countrywide Debt Relief is a debt settlement company. It works with people carrying unsecured debt, like credit cards, medical bills, and personal loans, and negotiates with creditors to settle those debts for less than the full balance. It does not make loans. The program generally aims to get clients out of debt in roughly one to four years through a structured plan funded by monthly deposits.

Countrywide Debt Relief	At a glance
Type	Debt settlement company
Based	Irvine / Santa Ana, California
Operating since	2008
Handles	Unsecured debt: credit cards, medical, personal loans
Fees	Performance-based, after settlement; no upfront fees
Accreditation	ACDR member, BBB A+

Countrywide Debt Relief vs Similar Names

One quick but important clarification, because the search results get mixed up. Countrywide Debt Relief is a debt settlement company, and it is distinct from other businesses with similar names, such as Countrywide Funding Group or Countrywide Legal Group. These are separate entities, and the old Countrywide Home Loans mortgage brand is unrelated. If you are researching reviews, make sure the reviews you are reading are about the same Countrywide you are considering, since the name is common.

How It Works

The program follows the standard debt settlement model. You make monthly deposits into a dedicated account in your name. As that account builds, Countrywide negotiates with your creditors to settle each debt for less than the full amount, one at a time, over the program term. Because the fee is charged only after a settlement is reached, you are not paying upfront for results you have not seen. The company offers a free consultation to review your situation first.

Want to Compare Options First? See what actually fits your situation before enrolling anywhere. Free and no obligation. or call 1-877-850-3328

Fees and Realistic Savings

Countrywide charges performance-based fees, collected only after a debt is settled, with no upfront charge, which follows federal law. The headline debt reduction always sounds larger than your real savings, because the fee comes out of the difference. Realistically, clients who complete the program tend to save in the range of 25% to 30% of their enrolled debt after fees, and that is only for those who finish. Results vary and not every account settles.

That is the honest framing to plan around. Ask for an estimate of your savings net of fees, and remember that interest and late fees can keep accruing on your balances while you save toward settlements, so the math depends on how quickly settlements come together.

Ratings and Complaints

On the positive side, Countrywide holds an A+ BBB rating and many clients describe helpful, respectful staff and real settlements that got them out from under their debt. Those experiences are genuine and common.

The complaints are consistent and worth weighing. The most frequent theme is the pace of settlements: clients who, several months in, had only one of several creditors settled and felt progress was slow, sometimes against a program term that is longer than they expected. A few describe feeling they were paying monthly without seeing movement. The company generally responds that its program is structured over a set term and needs time to accumulate settlement funds, which is true of settlement in general, but it underscores the need to understand the timeline before enrolling.

Pros and Cons

Pros

Legitimate, A+ BBB, ACDR member
No upfront fees; performance-based
Operating since 2008 with a real track record
Free consultation and dedicated deposit account
Many positive reviews citing real settlements

Cons

Real savings after fees often around 25% to 30%
Settlement pace can feel slow early in the program
Program terms can be longer than expected
Not all creditors negotiate; results vary

What to Ask Before You Enroll

Before enrolling with Countrywide, get clear answers to these:

What is my realistic savings after fees? Ask for an estimate net of fees, not just the headline reduction.
How long is the program, and how fast do settlements usually start? Understand the term and the realistic timeline for the first settlements.
What is the fee, and when is it charged? Confirm the performance-based structure and the percentage in writing.
Which of my creditors are likely to settle? Ask which accounts are realistic and which may not negotiate.
What are my cancellation terms? Know how to exit and what you would owe if progress is slow.

The smart move with any debt settlement company is to compare fees and timelines before enrolling. You can learn how a debt settlement program works, compare your debt relief options, or read about debt negotiation first.

Compare Before You Commit See your real debt relief options in one place, with no pressure and no obligation. or call 1-877-850-3328

Frequently Asked Questions

Is Countrywide Debt Relief legit?

Yes. Countrywide Debt Relief is a legitimate, BBB A+ debt settlement company based in California, operating since 2008, an ACDR member, with no upfront fees. It is not a scam. The cautions are about expectations: realistic savings after fees are often around 25% to 30%, not all creditors settle, and the most common complaint is that settlements can feel slow against the program term.

How much does Countrywide Debt Relief cost?

Countrywide charges performance-based fees, collected only after a debt is settled, with no upfront charge. The fee comes out of the difference between what you owed and what you settle for, so your real savings is smaller than the headline reduction. Clients who complete the program typically save around 25% to 30% of enrolled debt after fees. Get the fee percentage and your estimated net savings in writing.

Is Countrywide Debt Relief the same as Countrywide Funding or the mortgage company?

No. Countrywide Debt Relief is a debt settlement company and is distinct from similarly named businesses such as Countrywide Funding Group or Countrywide Legal Group, and it is unrelated to the old Countrywide Home Loans mortgage brand. The name is common, so when reading reviews, make sure they are about the same company you are considering.

Will Countrywide Debt Relief hurt my credit?

Yes, during the program. Like all debt settlement, it involves stopping payments to creditors while you save for settlements, which lowers your credit score and can send accounts to collections in the meantime. Settled accounts show as settled rather than paid in full. This is inherent to debt settlement, so weigh it against your alternatives.

How long does Countrywide Debt Relief take?

Countrywide generally aims to resolve debt in roughly one to four years, depending on how much you owe, how many creditors are involved, and how quickly your deposit account builds. The most common complaint is that early settlements can feel slow, so ask up front about the realistic timeline for your first settlements and the full program term before enrolling.

Disclosure: CuraDebt is not affiliated with, endorsed by, or sponsored by Countrywide Debt Relief, and all trademarks belong to their respective owners. This page reflects our own research and opinions for informational purposes and is not a statement of fact about Countrywide Debt Relief's business. CuraDebt operates a matching service and is paid when we connect consumers with independent partner firms, so we have a financial interest in you requesting a free consultation. Always do your own research before choosing any provider.