Latest Posts
Home > Rate and Review > Debt Settlement Companies > Payment Relief Center – Scam, Complaint, Review, or Praise?

Payment Relief Center – Scam, Complaint, Review, or Praise?

Please share your experience with this debt relief company and provide your review and feedback, in the comments section below.

The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this debt relief company. Here are some potential questions you might be able to provide feedback about.

  • How did you feel about the customer service experience you received?
  • Was the company easy to communicate with before or after you became a client?
  • Did the company respond to your communications promptly?
  • What were the fees charged for the services you received?
  • Did the company give you the terms and conditions for the program you were interested in before you gave them any personal information?
  • Was the program successful for you and accomplish the goals you had when you entered the program?
  • Did you have a really good experience you can share?
  • Did you have a bad experience you want to share?
  • Is there any other information you’d like people to know that might be considering the services of this company?

It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the debt relief services of this company. But everyone does deserve to have an opportunity to express their opinion, even the debt relief company itself, be it good, bad, or indifferent.

Payment Relief Center   Scam, Complaint, Review, or Praise?
Get Out of Debt Guy – Twitter, G+, Facebook

Would you recommend Payment Relief Center to others?

View Results

Payment Relief Center   Scam, Complaint, Review, or Praise? Loading ...
Payment Relief Center - Scam, Complaint, Review, or Praise? by

Share This and Spread the Word

About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Karen

    Payment Relief Center has helped me with 2 accounts and I have 2 left and I have been in the program for 1 1/2 years.  It has made me realize how to manage my money alot better and I do not want to use credit cards again.   I have 1 year left and I will be jumping when this is over.  Thanks Payment Relief Center.

  • Samarks70

    Hello, I just want to say from experience on both CCCS and Payment relief center. 15 yrs ago my wife did CCCS and it took a touch over 5 yrs to complete the program. When we mooved to Fl. 7 yrs ago her credit was good enough to get a mortgage. Now for me when we moved here we took any job we could find and ran up some credit card bills just to servive, It doesn’t take long for them to add up. I have been with payment relief center for a year and am on my way to paying off approx 30,000 in credit. One of the cards I had for over 10yrs. and I have figured with what I paid them over those 10 years in interest if they only get half of the money I owe them they still made plenty on me and aren’t ”losing” anything. I am not saying one is better then the other but my experience with payment relief has been great. They were very clear and not pushy and they still call almost every month just to see how things are going and if I have any questions, and I personaly like that because it reminds me a payment is coming up. So the last thing I will say is these programs only work IF you change you spending habits and do not live outside your means, because 50% of the people that use these companies are people like me who have been foolish with our spending. NOT no more I will not give CC companies anymore of my hard earned money. So if you are reading this please think before you use them cards. Thanks for reading Steve

  • Samarks70

    Hello, I just want to say from experience on both CCCS and Payment relief center. 15 yrs ago my wife did CCCS and it took a touch over 5 yrs to complete the program. When we mooved to Fl. 7 yrs ago her credit was good enough to get a mortgage. Now for me when we moved here we took any job we could find and ran up some credit card bills just to servive, It doesn’t take long for them to add up. I have been with payment relief center for a year and am on my way to paying off approx 30,000 in credit. One of the cards I had for over 10yrs. and I have figured with what I paid them over those 10 years in interest if they only get half of the money I owe them they still made plenty on me and aren’t ”losing” anything. I am not saying one is better then the other but my experience with payment relief has been great. They were very clear and not pushy and they still call almost every month just to see how things are going and if I have any questions, and I personaly like that because it reminds me a payment is coming up. So the last thing I will say is these programs only work IF you change you spending habits and do not live outside your means, because 50% of the people that use these companies are people like me who have been foolish with our spending. NOT no more I will not give CC companies anymore of my hard earned money. So if you are reading this please think before you use them cards. Thanks for reading Steve

  • Casey

    This is a debt settlement company. Never work with these companies, they steal your money and make your debt situation worse by charging off accounts and waiting until legal action is taken before actually paying the debt. Paying this debt back takes YEARS, your credit card charges off in 7 months. If you are looking to settle debts, call each of your creditors one by one, they will settle with you at no additional costs. But remember, settling credit card debt is bad for your credit, it shows that you didn’t pay back what you owe and it will stay on your credit for 7-10 years, which in turn, will make it harder to borrow debt down the road, and in the long run, more expensive for you with higher APRs. The BEST thing you can do or restore your credit and avoid legal actions with creditors is to contact a Debt Management Company. They work 5 year financial hardship programs, that lower minimum payments and APRs on credit cards to payment you can afford (all of these are key words when deciding who is good and who is bad). Contrary to what Rodney has to say – Debt Management Companies are actually good companies to work with. You will pay back every cent you owe over 5 years, the accounts are closed, and will remain closed (but remember, if you are 60 days past due, most likely the account has already been blocked by the institution), so it will make no difference on your credit report. And to comment on what Rodney has said, it makes no sense to me how paying back all of your debt is bad for your credit? Does this really make sense to you? Not to me and it shouldn’t to you either. And in no way is a Debt Management program any relation to Bankruptcy…..come on people – paying back your debt or not paying back your debt?? Just please think before you act, and don’t believe silly comments like Rodney up there. Debt Management companies to look into, Money Management International, CCCS, Novadebt, and Greenpath are some to research. Please be careful of companies like Payment Relief Center, DO YOUR RESEARCH. I talk with people every day who have been sucked into the scams of Debt Settlement Agencies like the Payment Relief Center….don’t get sucked in to. Do your research – Always remember, If it sounds too good to be true…..it’s too good to be true. The best thing you can do for yourself is call your creditors, they have options for you that best fit your situation.

  • Jimmy

    50 year old in 100,000 in debt

    i am checking to see if the payment relieft center is legimate company before i use them

    jimmy

  • Jimmy

    50 year old in 100,000 in debt

    i am checking to see if the payment relieft center is legimate company before i use them

    jimmy

    • Casey

      This is a debt settlement company. Never work with these companies, they steal your money and make your debt situation worse by charging off accounts and waiting until legal action is taken before actually paying the debt. Paying this debt back takes YEARS, your credit card charges off in 7 months. If you are looking to settle debts, call each of your creditors one by one, they will settle with you at no additional costs. But remember, settling credit card debt is bad for your credit, it shows that you didn’t pay back what you owe and it will stay on your credit for 7-10 years, which in turn, will make it harder to borrow debt down the road, and in the long run, more expensive for you with higher APRs. The BEST thing you can do or restore your credit and avoid legal actions with creditors is to contact a Debt Management Company. They work 5 year financial hardship programs, that lower minimum payments and APRs on credit cards to payment you can afford (all of these are key words when deciding who is good and who is bad). Contrary to what Rodney has to say – Debt Management Companies are actually good companies to work with. You will pay back every cent you owe over 5 years, the accounts are closed, and will remain closed (but remember, if you are 60 days past due, most likely the account has already been blocked by the institution), so it will make no difference on your credit report. And to comment on what Rodney has said, it makes no sense to me how paying back all of your debt is bad for your credit? Does this really make sense to you? Not to me and it shouldn’t to you either. And in no way is a Debt Management program any relation to Bankruptcy…..come on people – paying back your debt or not paying back your debt?? Just please think before you act, and don’t believe silly comments like Rodney up there. Debt Management companies to look into, Money Management International, CCCS, Novadebt, and Greenpath are some to research. Please be careful of companies like Payment Relief Center, DO YOUR RESEARCH. I talk with people every day who have been sucked into the scams of Debt Settlement Agencies like the Payment Relief Center….don’t get sucked in to. Do your research – Always remember, If it sounds too good to be true…..it’s too good to be true. The best thing you can do for yourself is call your creditors, they have options for you that best fit your situation.

  • Steve Rhode
  • David

    I have been contacted by the Payment Relief Center as well. What I don’t understand simply how it works. They say they can reduce my debt. True, that they can use my hardship story, which I do have, but the credit card companies will just agree with lowering my debt?

    Also, I would admit that I am a prime candidate for completion is what they claim is true for debt reduction. I am currently able…barely able to keep up with minimum payments and therefore have good credit. The good credit does me nothing though since I don’t have the cash flow to use it.

    What am I missing? If they “negotiate” with the credit card companies don’t they only start the program once agreements have been made? How can a credit card company continue to sue me or charge me more interest and late fees if a reduction of the debt has been negotiated?

    Assuming that I am not dealing with a company that is completely lying, how does this work?

    Assuming that a company is lying, well then, I need no explanation because that would mean it simply doesn’t work.

    Please let me know as I desperately need help to keep the horror from snow-balling.

  • David

    I have been contacted by the Payment Relief Center as well. What I don’t understand simply how it works. They say they can reduce my debt. True, that they can use my hardship story, which I do have, but the credit card companies will just agree with lowering my debt?

    Also, I would admit that I am a prime candidate for completion is what they claim is true for debt reduction. I am currently able…barely able to keep up with minimum payments and therefore have good credit. The good credit does me nothing though since I don’t have the cash flow to use it.

    What am I missing? If they “negotiate” with the credit card companies don’t they only start the program once agreements have been made? How can a credit card company continue to sue me or charge me more interest and late fees if a reduction of the debt has been negotiated?

    Assuming that I am not dealing with a company that is completely lying, how does this work?

    Assuming that a company is lying, well then, I need no explanation because that would mean it simply doesn’t work.

    Please let me know as I desperately need help to keep the horror from snow-balling.

  • Vickie

    I will say that I have bene with Payment Relief Center for over 12 months and they have settled 2 of my debts already. I had been with another settlement company before that for 7 months (Credit Solutions) and I realized pretty quick they were not looking out for my best interest. Payment Relief Center has been very honest with me from the start and what impressed me the most withthem was that after the consultant went over the program, he did not pressure me into doing the program but to think it over and call him back. When I did decide to do this, he sent me the enrollment package and was very clear about how it worked and polite. What they did that really impressed me was have an customer service representative call me and go over the program again to make sure I understood how the process worked and the effect it would have on my credit. They seemed very interested in educationg me and I have to say t hey have great customer service. I know my credit is getting hit because I am having to be late on my bills..but I will be debt free in 36 months and I can always repair my credit again. I got tired of making the credit card companies richer by paying the minimum payments andnot seeing the balances go down.

    I have nothing but great things to say about Payment relief Center

    Vickie in Miami

    • http://GetOutOfDebt.org Steve Rhode

      Vickie,

      That’s amazing. What’s even more amazing is that both you and Rodney are posting from the exact same IP address in Frisco, Texas, the home of Payment Relief Center.

      Steve

      • Debbie

        Good point Steve! That is very interesting!!!!! Is there any real help out there for credit card debt or is everyone looking to kick a person when they are down?

      • http://GetOutOfDebt.org Steve Rhode

        I think you have to look at it in two parts. Credit card companies ate trying to hold the consumer to the contract they signed and some debt relief companies try to take advantage of people when they are down.

      • Lori

        This is great Steve! I love it! BUSTED!!!! I was just trying to do some research for a friend on this “PaymnentReliefCenter.com” who keep on sending her stuff in the mail. I will now let her know NOT to trust them. Debbie… you and your company should be embarrassed.

      • Lori

        Sorry, meant Vickie should be embarrassed (not Debbie)…

      • RobbieFlimflan

         Payment relief center ant Nationwide Consumer Savings are both owned by the same company.  I was advised by an attorney not to trust such services, that many times, they tell customers not to talk to their creditors which is the first thing a consumer should do when having trouble paying their bills and as result, consumers get sued.  Also, I received a mailpiece from nationwide consumer savings in November 2010.  I was unsure of how they obtained my information and information about what I owe, but have since learned that Equifax Credit Information Services sold my information to marketers even though I had opted out of promotional sharing of credit header information for life in writing and I am in the process of suing Equifax. Back to this company.   I obtained a prohibitory order against the sender, Nationwide Consumer Savings in November 2010 that was not honored.  Nationwide Consumer Savings violated the prohibitory order against the sender and the USPS took enforcement action against the agency.  They obtained an attorney, Robby H. Bimbaum who according to his website is “President, The Association of Settlement Companies, 2009-present” who told the USPS that the first notice of a USPS concern that their clients received was dated March 3, 2011.  This of course if a lie as I have copies of notices that were mailed in 2010.  If you were fortunate to have a mother and father as I did, as parents with character, you learned not to lie.  They lied and I have proof.  Do not do business with liars.

      • RobbieFlimflam

         go to USPS.com and get a form 1500.  It is simple to fill out and the USPS will give them 30 days to stop mailing you.  This serves two purposes.  It puts them on notice, but most important, you have proof that they were asked to stop.  They did not honor my request that was in 2010 and I have proof that they were asked via the prohibitory order against the sender obtained by the USPS.  I also have a copy of a phone bill where they were called and asked to stop and refused to do so.   The company stopped when the USPS took legal action and they had to hire an attorney who stated they had not received a previous request.  Thanks to the phone bill, prohibitory orders received previously I do have proof.  There is another downfall dealing with a debt reduction agency. First you are dealing with people who appear to be dishonest and I have considerable evidence to prove dishonesty.  Second, say you have a $10,000 credit card bill and this firm gets the amount reduced to $5,000.  It is very likely you will get a 1099 showing $5,000 income on which you will owe substantial taxes and you will find the IRS even less forgiving than creditors, and they can take legal actions against a person that other creditors cannot take.  There is no good reason to do business with these folks.  By the way, although they say they are located in Frisco, Texas, they obtained the services of GreenspoonMarder located in Fort Lauderdale, Florida, a firm that appears to not understand the law.  Robby Bimbaum, an alleged licensed attorney, stated that “no business or marketing that our client is involved in is considered “erotically arousing or sexually provocative.” and he states he is confused and frustrated by the Order and documents that were sent to his client.  Here we have a man with a law degree who admits he is confused.  It is unfortunate that he must be educated to do his job via the internet.  Bimbaum is apparently unaware of
        ROWAN v. U. S. POST OFFICE DEPT.

        , 397
        U.S. 728 (1970) The Supreme Court ruled that what is well to one person may be provocative to another.  I will simplify this so that the attorney can understand the language that apparently exceeds his cognitive or moral capacity.  It is solely in the eyes of the beholder, the recipient as to what is provocative.  So not only do you have a firm that wasted money on an attorney because they simply would not stop mailing, and they have to pay these fees out of what you pay them, they have a law firm or a an attorney from the law firm, Robby H. Bimbaum, Esq.  who is unaware of a Supreme Court ruling that was decided May 4, 1970. 

      • RobbieFlimflam

         go to USPS.com and get a form 1500.  It is simple to fill out and the USPS will give them 30 days to stop mailing you.  This serves two purposes.  It puts them on notice, but most important, you have proof that they were asked to stop.  They did not honor my request that was in 2010 and I have proof that they were asked via the prohibitory order against the sender obtained by the USPS.  I also have a copy of a phone bill where they were called and asked to stop and refused to do so.   The company stopped when the USPS took legal action and they had to hire an attorney who stated they had not received a previous request.  Thanks to the phone bill, prohibitory orders received previously I do have proof.  There is another downfall dealing with a debt reduction agency. First you are dealing with people who appear to be dishonest and I have considerable evidence to prove dishonesty.  Second, say you have a $10,000 credit card bill and this firm gets the amount reduced to $5,000.  It is very likely you will get a 1099 showing $5,000 income on which you will owe substantial taxes and you will find the IRS even less forgiving than creditors, and they can take legal actions against a person that other creditors cannot take.  There is no good reason to do business with these folks.  By the way, although they say they are located in Frisco, Texas, they obtained the services of GreenspoonMarder located in Fort Lauderdale, Florida, a firm that appears to not understand the law.  Robby Bimbaum, an alleged licensed attorney, stated that “no business or marketing that our client is involved in is considered “erotically arousing or sexually provocative.” and he states he is confused and frustrated by the Order and documents that were sent to his client.  Here we have a man with a law degree who admits he is confused.  It is unfortunate that he must be educated to do his job via the internet.  Bimbaum is apparently unaware of
        ROWAN v. U. S. POST OFFICE DEPT.

        , 397
        U.S. 728 (1970) The Supreme Court ruled that what is well to one person may be provocative to another.  I will simplify this so that the attorney can understand the language that apparently exceeds his cognitive or moral capacity.  It is solely in the eyes of the beholder, the recipient as to what is provocative.  So not only do you have a firm that wasted money on an attorney because they simply would not stop mailing, and they have to pay these fees out of what you pay them, they have a law firm or a an attorney from the law firm, Robby H. Bimbaum, Esq.  who is unaware of a Supreme Court ruling that was decided May 4, 1970. 

      • http://GetOutOfDebt.org Steve Rhode

        Interesting application for the 1500 form.

      • Robbieflimflam

         well Steve it is interesting that you are on here giving advice and this is a perfectly legal application for a form 1500,  I will educate you as it appears that you too are caught up in a vortex of ignorance, yet giving advice.  When the US Supreme Court makes a ruling, it becomes the law of the land.  It cannot be appealed to a higher court.  This was resolved in 1970 Rowan V US Post Office.  When I ask people to leave me alone, and they do not, then I find them and their mail pieces offensive.  The company in Frisco Texas owned by Melrose ignored an order in 2010, a phone call, and all the warning the USPS gives before taking more formal action.  Now if you want to post something else about this, I will post these warnings and phone bills online and let these businesses suffer the consequences.

      • http://GetOutOfDebt.org Steve Rhode

        All I said was that it was an interesting application for the form. It was just an observation, not a criticism.

      • Tif

        Busted, love it!

  • Rodney

    I have bene in the Mortgage business for over 20 years and I also do a radio show in Dallas about credit. I can tell you that the second worst program you can do to destroy your credit, is CCCS/Consumer Credit Counseling. This is much worse than a debt settlement program. Credit counseling is considered as bad as a bankruptcy when trying to qualify for a mortgage and it takes the averge consumer over 5 years to complete. If you have to do something, debt settlement is the fastest way to get your debt settled.

    Please learn the facts before reffering your readers to looking into a program that is not only bad for you, but has ties with the credit card companies.

  • Matt

    I consolidated over 43K of credit card debt (about 6 years ago) into to one credit card counseling company and my debt was paid off over a 5 year period. They lowered all of my interest rates and since it was paid off my credit score is great. I have noting but good things to say about credit card counseling services. On the other hand I’m not so sure about the debt mediation where you aren’t even paying back your full debt. To me that is almost like stealing.

  • Chester Williams

    I have been with them for over 2 years and they have done a fine job. I have 3 accounts settled already and they have done everything they told me they would do. I am very frustrated that you would tout credit counseling! I did that for 3 years only to find out it hurt my credit more than ever. I tried to apply for a mortgage and was told that CCCS is like a bankruptcy.

    Are you getting paid by CCCS? That is very misleading to say they work

    Chester W
    Rowlett,TX

    • http://GetOutOfDebt.org Steve Rhode

      Chester,

      Not sure what your credit counseling comment is in reference to?

      Steve

      • http://none Rebecca

        I think what he means when he says “credit counseling is like a bankruptcy” is that CCCS shows up on your credit report as a “3rd party intervention” which is weighed as heavily as a bankruptcy in mortgage lending. It can definitely stop you from utilizing your credit while you’re in the process. It’s a big mark that says “hey I couldn’t pay my bills, so I needed CCCS to make the payments on my behalf”. So, Steve, in your column – you seem to encourage credit counseling services, since you’ve had a good experience with it, but you haven’t mentioned the downsides. I’m aware of some CCCS firms who do not make the monthly payments on time, thus hurting your credit as much as a settlement process.. Thoughts?

      • http://GetOutOfDebt.org Steve Rhode

        Rebecca,

        You may want to read my article The Truth About The Success Rates, Failure Rates and Completion Rates of Credit Counseling, Debt Settlement, and Bankruptcy. While the document does not go into depth about all of the little issues that could occur with each solution it does look at the overall success expectations of each solution.

        It is possible that any provider could screw up a payment. I’ve seen it happen with all solutions but these days it is a rare occurrence with credit counseling groups and the major credit counseling groups make their payments quickly and primarily electronically.

        Steve

  • Esther Richardson

    need to go to my account I’m unable to find it.

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.

Close

I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.