CountryWide Debt Relief Reviews: Everything You Need to Know
If you’re feeling overwhelmed by debt, you’re not alone—and finding the right support can make all the difference. When you’re searching for a path forward, it’s natural to come across different companies offering help. One of them might be CountryWide Debt Relief, a name that pops up frequently for people looking into debt settlement options.
But before you commit to any program, it’s important to take a step back and gather the facts. What kind of help does CountryWide actually offer? Are their clients satisfied? And is it the right fit for your unique situation?
In this article, we’ll take a closer look at CountryWide Debt Relief, explore what real customers are saying, and break down how their services work. Our goal is simple: to give you clear, unbiased information so you can make confident decisions about your next steps toward financial peace of mind.
What Is CountryWide Debt Relief?
CountryWide Debt Relief is a company that helps people reduce and manage unsecured debts—like credit card balances, medical bills, and personal loans—through negotiated settlements. Instead of offering loans, they work directly with creditors to lower the total amount owed, which can make it easier for clients to get back on track financially.
Founded in 2008, CountryWide has focused on personalized debt relief plans that aim to lower monthly payments and avoid bankruptcy. Their services are typically for people going through financial hardship who need a structured way to deal with growing debt.
They claim to have helped thousands of clients resolve their debts, and like many settlement companies, they encourage a consultation to see if the program fits your situation. But what exactly does the process look like? Let’s take a closer look at how their program works.
How Does CountryWide Debt Relief Work?
CountryWide Debt Relief follows a structured process that helps individuals reduce their debt load. Here’s how it works:
- Free Consultation: When you first reach out to CountryWide Debt Relief, they offer a free consultation to understand your financial situation. During this consultation, they’ll assess your debt and recommend a plan that suits your needs.
- Debt Evaluation: CountryWide evaluates your financial situation to determine whether debt settlement is the best option. If it is, they will negotiate with your creditors to settle your debts for a reduced amount.
- Debt Settlement: If you choose to move forward, CountryWide will work on negotiating directly with your creditors. They may help you reduce your interest rates, waive late fees, and reduce your principal balance.
- Payment Plan: Once a settlement is reached, you will make monthly payments into an escrow account managed by CountryWide. These payments are used to pay off the settled debts. The company takes a fee for its services, but the goal is to reduce your debt significantly.
- Debt Resolution: After a certain period, typically 24 to 48 months, your debt is settled, and you can begin rebuilding your financial life.
This approach allows many people to achieve financial relief without resorting to bankruptcy. However, it’s important to note that debt settlement can negatively affect your credit score initially, as you may have missed payments during the negotiation period.
CountryWide Debt Relief’s Fees
When considering a debt relief program, it’s crucial to understand the associated costs. CountryWide Debt Relief operates on a performance-based fee structure, meaning you only pay fees after they successfully negotiate and settle your debts.
Fee Structure
- No Upfront Fees: You won’t be charged any fees until CountryWide has successfully settled your debts.
- Performance-Based Fees: Once a debt is settled, the fee ranges from 15% to 25% of the original enrolled debt amount.
- Integrated Payments: Fees are included in your monthly program payments and are not additional out-of-pocket expenses.
Potential Savings
Clients who complete the program typically see net savings of 25% to 30% on their total enrolled debt, after accounting for all fees.
This fee structure aligns with industry standards for debt settlement services. It’s important to consider these fees in the context of the overall debt reduction and the relief from financial stress that successful debt settlement can provide.
CountryWide Debt Relief Reviews
When considering any debt relief company, it’s essential to check reviews and client experiences. Here’s a breakdown of reviews from different platforms:
Google Reviews
CountryWide Debt Relief has an average rating of 4.3 stars on Google, based on over 111 reviews. Customers generally express satisfaction with their services, especially praising the company’s customer support and ability to reduce debt. Here are a few examples:
- Positive Review: “I definitely recommend this company. It helped me in my debt consolidation process, I am very satisfied and happy with their help!”
- Positive Review: “I am grateful for the welcome they gave me, they helped me consolidate my debt, it is a serious company willing to help”
- Negative Review: “I signed up with these guys for help. They assured me that an attorney would show up in court on my behalf. Not only did NO one show up on behalf of the law firm they work with, but I was able to settle with the debt collector directly for a monthly payment 3 times LESS than I was paying CountryWide.”
Yelp
On Yelp, CountryWide Debt Relief also holds an average rating of 4.3 stars from 60 reviews. Users tend to be satisfied with the service provided, although some had concerns about the length of the process.
- Positive Review: “They are amazing to work with. I would totally recommend to anyone that needs help with the debt.“
- Positive Review: “Countrywide helped me every step of the way. I am so thankful for their help and I’m so thankful to finally be debt free.”
- Negative Review: “I hope these people are doing a correct job. I’m using them and only at the beginning they were super helpful and professional. After I enrolled, they are rude. Just hope I finish this program and never deal with them ever again. Anyone who recently had a good experience, please go on here and let us know. It would really help out. And yes, regret them so bad.”
Consumer Affairs
CountryWide Debt Relief has a good rating on Consumer Affairs, based on over 50 reviews. Many clients speak highly of the customer service and the effectiveness of the debt settlement process.
- Positive Review: “I had a lot of debt that I couldn’t afford. I looked up CountryWide. When I spoke to their customer service, it was pretty great and I didn’t have any problems. Any questions I had, they answered. After enrollment, I always gave my payments on time.“
- Positive Review: “The process with CountryWide was very easy. They contacted me via email. In case I didn’t reply, they would always send another email or give me a call. They were on top of what they were doing. The cost was something I could afford at the time, and then the quality was very good. I couldn’t be any happier.”
- Negative Review: “I would never use CountryWide again. I can never get in touch with them and I had to call several times, leave a message, and they call me back and refer me to someone else. It just wasn’t that good, and they didn’t want to give me information about what had been taken out of my check and who was getting what, and I didn’t find them very helpful. I was sorry that I signed up with them. I didn’t get good value from them at all.”
Reviews of CountryWide Debt Relief paint a generally positive picture, with many clients appreciating the support they received, and the results achieved in reducing their debt. While some users shared frustrations—mostly around communication or expectations—the majority expressed relief at having a structured path out of financial stress.
As with any debt relief company, individual experiences may vary, so it’s important to research thoroughly and ask questions during your consultation to ensure the program aligns with your needs and expectations.
More Opinions and Complaints
It’s always a good idea to check other platforms for additional opinions and complaints. For instance, Quora and the Better Business Bureau (BBB) can provide additional insights into CountryWide’s reputation. Let’s look at some feedback.
The additional feedback gathered from platforms like Quora and the BBB reflects a generally positive experience with CountryWide Debt Relief, particularly in terms of their effectiveness in helping clients manage their debt. One notable complaint involved marketing practices, but it’s reassuring to see that the issue was addressed and resolved.
Pros And Cons Of CountryWide Debt Relief
When considering CountryWide Debt Relief, it’s essential to weigh both the benefits and challenges to make an informed decision. Below, we’ve summarized the key pros and cons based on client reviews and the company’s practices:
| Pros | Cons |
|---|---|
| No Upfront Fees – You won’t pay any fees until your debts are settled. | Communication Issues – Some clients have reported challenges with communication after enrolling. |
| Tailored Debt Settlement Plans – CountryWide offers personalized plans to reduce debt. | Expectations Around Legal Representation – Some clients were disappointed with expectations of legal support that weren’t met. |
| Performance-Based Fees – Fees are based on successful settlements, so you’re only charged when results are achieved. | Potential Delays – A few clients expressed frustration with delays in the settlement process. |
| Proven Track Record – Many clients have successfully settled their debts and reported satisfaction with the results. | Variable Experience – Like many debt relief services, experiences can vary, so results depend on individual circumstances. |
Is CountryWide Debt Relief The Right Choice?
CountryWide Debt Relief has helped many individuals take meaningful steps toward reducing their unsecured debt, earning positive feedback for its results-driven approach. While some clients have noted challenges with communication or clarity around expectations, the majority appreciate the structured support and real debt reduction they received.
That said, debt relief is never one-size-fits-all. It’s important to weigh the pros and cons carefully and consider what kind of program truly fits your financial goals.
If you’re looking for a trusted alternative with a strong track record, CuraDebt is here to help. We offer a free, personalized consultation to help you understand your options and create a plan tailored to your specific situation—so you can move forward with clarity and confidence. Your journey toward financial freedom starts with one simple conversation!