Rate and Review

Rise Above Debt Relief – 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.

Sincerly,
Steve

You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.


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READ  Legal Helpers Debt Resolution and Rise Above Debt Relief Named in Suit



About the author

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.

6 Comments

  • Thanks for your input, please call us immediately so we can evaluate which creditors are continuing to harass you. The original party collectors are the hardest to control, that is why the first 4-6 months can be the hardest. But once the account is sold to third party collectors, there are FDCPA rules that can be enforced, and we have a team of attorneys that will file lawsuits against these creditors for breaking the FDCPA rules. So please contact us at your earliest convenience so we can rid you of this bug on the windshield and get you focused again on the road to debt elimination. And please don’t believe these absolute lies that collectors tell you about our company and companies like ours. Everyday, clients call in and tell us that Chase claims they do not work with us, they haven’t heard from our company, we have lawsuits agains us, etc. Every one of these are lies. EVERYDAY, I receive a fax from CHASE with all our clients listed and what they will settle for. Yet, they will call you and tell you the complete opposite. Their job is to get into your checkbook TODAY, so be very leary of anything these collectors say, as it is usually just the opposite of what is true.

  • As a current customer of Rise Above Debt I have to agree and disagree with some of JD’s reponse to Mike C. First, our situation was one involving the perfect storm of financial disaster. The same day I was diagnosed with having suffered a mild heart attack and scheduled for further testing our eldest teenage daughter was rushed to the emergency room diagnosed with juvenile diabetes and at the verge of going into diabetic shock. At this same time we were dealing with a legal situation in which a contactor stole the money given to him to renovate a property we inherited in another city (long story). This property has ended up being a money pit for us. As a result of these situations plus dealing with the expenses of twins and their senior year to include college deposits and so on our financial stiutation soon became strained. Car problems and dental expenses for the twins only further aggravated our situation. What savings we had soon ended up being used up to cover medical expenses for my daughter and myself.

    We tried our best to stay on top of our obligations but it all became too much to handle. We ended up contacting Rise Above Debt through a referral from another company. They, Rise Above Debt, came highly recommended. We have had the best response from all who work at Rise Above Debt. They have been prompt in contacting us and responding to our needs and questions. They have stayed on top of contacting our creditors and providing the documentation they have been required to submit. However, our only concern has been that the calls have not stopped. We continue to be bombarded by them. Initially, the creditors kept telling us that they did not work with debt settlement companies or if they did at one time they no longer did. Rise Above Debt representatives reassured us that was not the case that the creditors were telling us that so we work directly with them. This reassurance has greatly relieved some of the stress felt. (Realisticly we are not in a position to made individual settlement deals with each creditor.) Nevertheless, recently we have also been told that they can not stop the never ending calls. This we do not understand when we see other companies advertise that they can as InCharge and when we were initially told that the calls would peak at the start and then diminish as time went on. Well, now we are being told that there is nothing they can do to stop the calls. Other companies promise to be able to do this as well as to stop late fees and over the limit fees as they work out a settlement but we do not see that with Rise Above Debt.

    The fact that although the service has been outstanding, for the most part, we are now being told something very different from what we were lead to believe they could do about the calls and this has us concerned. We are in a plan based on a percentage they calculated they will be able to settle but how was this determined? What if the percentage settelement is more than what was forecast? The one discrepancy of what we were told in the beginning to what we are being told now about the never ending calls has made us question how much of what they promised will they deliver? Mind you beside this one item the customer service we have been getting has always been excellent. I just expected that kind of service across the board. The fact that JD states that their new program provides a BK attorney that is suppose to do two things: “1. Decreases and eliminates annoying calls very quickly” well this has not been the case for us. That is our one and only complaint. If Rise Above Debt can really do that for us as stated by JD than all would be well.
    Thanks, MR

  • I have been with Rise Above Debt for ~ 7 months. They were able to complete a settlement with one of my creditors AFTER I received a summons that I was being sued (by AMEX). Once I notified them of this they were able to reach an agreement with them (AMEX). However, I have recently been able to settle my debt DIRECTLY with the lenders or collection agencies for ~ 50-60% less then what the total balance owed which is what Rise Above Dept claims they do. My problem with Rise Above Debt is Nothing happens until you have paid into the program a large amount of money before they start contacting creditors this takes many months which allows them to collect huge service fees. In the meantime you’re being contacted relentless by creditors and their collection agencies.
    The service fees are ridiculous and are based on a percentage of the total amount you owe – in my case, my monthly fee’s total almost 50% of what I pay into the program monthly. If you factor in the amount of service fees they charge based on the $ amount saved IF they come to a settlement with the creditors then the overall savings is MUCH smaller then they claim.
    I’ve learned my lesson – My recommendation to anyone is to work directly with the creditor or collection agency – you’ll find that you’ll achieve the same “results” that they “claim” and save yourself the “administrative” costs.

    • As a managing partner and CFO of Rise Above Debt Relief, I actually agree and disagree with a few points above, and we have made dramatic changes in January 2010 which now elivates many of these traditional settlement headaches. Before the change, we were not able to settle the debts of clients immediately, because they didn’t have the money that early in the program, so unfortunately, the client gets called numerous times by creditors and sometimes sued. This can be frustrating, but it’s the dusty dirty part of the financial remodel that gets much better over time. And with the huge team of employees working on these accounts for the clients, yes there are fees, but they don’t last for long and are built into the 50-60% savings. In the beginning it seems like a large percentage, but once the fees are paid, almost all the payment goes towards the settlements, and then the debts have aged to get the really good discounts.

      But, we have formed a strategic alliance with the largest BK firm in the nation in January 2010, and all clients retain and now get the protection of a local BK attorney. ALL creditors are contacted immediately upon the first payment with a letter informing them that the client has retained a BK attorney to work out their debts and to only communicate with the attorney’s admin office from this point forward. This does two things: 1. Decreases and eliminates the annoying calls very quickly, and 2. curbs the desire of the creditors to threaten lawsuit as they are now scared of the BK attorney and client’s possible BK filing (although that is not our goal, it’s a great scare tactic for our paralegals/negotiators).

      We now work out payment plan settlements from almost the beginning of the program for most clients, therefore they are not waiting months on end to see any results. We know the downside of debt settlement, and we have done in my opinion an amazing job at putting together a better model that almost eliminates the two biggest settlement problems, being harrassing calls and lawsuits. We have seen the lawsuits practically come to an end for our clients, and our client retention rate is unbelievable now because of their satisfaction for what we are able to provide. Just today, we settled a $25,000 Bank of America account for $4900, and I have the settlement letter available for anyone that wants to view it. This is just one example of 1000’s we do every month.

      We are working at converting our older clients to this new model, but obviously we didn’t get to the above client in time. Yes, you can settle debt on your own, it’s no secret. Many people get all kinds of good offers quickly upon their default, but if they don’t have the money to accept these offers, then what good is it. We not only negotiate for our clients, but put them on a structured and disciplined plan so they can accumulate money to take advantage of these settlement, which many people don’t have the discipline to not touch the money dedicated for settlements if attempting on their own.

      I am a do-it-yourself guy, and if you can put together a savings account of your own on the side, auto deposit money into the account every month, and DON’T TOUCH IT, then you may be able to work your own debt settlement plan. The problem is that most people don’t have the time or discipline to do that, so that is a service we provide. But by all means, if you want to save the cost of paying someone to do all the work for you, there is certainly a ton of information on the internet to help you do just that.

      I actually look forward to the day, that we don’t have anyone in our country who needs our service, and I would be happy to find another profession, wouldn’t that be a great day? I just don’t think us Americans can ever get to that point on our own, but we’ll keep up the good fight of getting these people out of debt, and we’ll keep looking for ways to improve the service and drive down costs.

      • As a current customer of Rise Above Debt I have to agree and disagree with some of JD’s reponse to Mike C. First, our situation was one involving the perfect storm of financial disaster. The same day I was diagnosed with having suffered a mild heart attack and scheduled for further testing our eldest teenage daughter was rushed to the emergency room diagnosed with juvenile diabetes and at the verge of going into diabetic shock. At this same time we were dealing with a legal situation in which a contactor stole the money given to him to renovate a property we inherited in another city (long story). This property has ended up being a money pit for us. As a result of these situations plus dealing with the expenses of twins and their senior year to include college deposits and so on our financial stiutation soon became strained. Car problems and dental expenses for the twins only further aggravated our situation. What savings we had soon ended up being used up to cover medical expenses for my daughter and myself.

        We tried our best to stay on top of our obligations but it all became too much to handle. We ended up contacting Rise Above Debt through a referral from another company. They, Rise Above Debt, came highly recommended. We have had the best response from all who work at Rise Above Debt. They have been prompt in contacting us and responding to our needs and questions. They have stayed on top of contacting our creditors and providing the documentation they have been required to submit. However, our only concern has been that the calls have not stopped. We continue to be bombarded by them. Initially, the creditors kept telling us that they did not work with debt settlement companies or if they did at one time they no longer did. Rise Above Debt representatives reassured us that was not the case that the creditors were telling us that so we work directly with them. This reassurance has greatly relieved some of the stress felt. (Realisticly we are not in a position to made individual settlement deals with each creditor.) Nevertheless, recently we have also been told that they can not stop the never ending calls. This we do not understand when we see other companies advertise that they can as InCharge and when we were initially told that the calls would peak at the start and then diminish as time went on. Well, now we are being told that there is nothing they can do to stop the calls. Other companies promise to be able to do this as well as to stop late fees and over the limit fees as they work out a settlement but we do not see that with Rise Above Debt.

        The fact that although the service has been outstanding, for the most part, we are now being told something very different from what we were lead to believe they could do about the calls and this has us concerned. We are in a plan based on a percentage they calculated they will be able to settle but how was this determined? What if the percentage settelement is more than what was forecast? The one discrepancy of what we were told in the beginning to what we are being told now about the never ending calls has made us question how much of what they promised will they deliver? Mind you beside this one item the customer service we have been getting has always been excellent. I just expected that kind of service across the board. The fact that JD states that their new program provides a BK attorney that is suppose to do two things: “1. Decreases and eliminates annoying calls very quickly” well this has not been the case for us. That is our one and only complaint. If Rise Above Debt can really do that for us as stated by JD than all would be well.
        Thanks, MR

        • Thanks for your input, please call us immediately so we can evaluate which creditors are continuing to harass you. The original party collectors are the hardest to control, that is why the first 4-6 months can be the hardest. But once the account is sold to third party collectors, there are FDCPA rules that can be enforced, and we have a team of attorneys that will file lawsuits against these creditors for breaking the FDCPA rules. So please contact us at your earliest convenience so we can rid you of this bug on the windshield and get you focused again on the road to debt elimination. And please don’t believe these absolute lies that collectors tell you about our company and companies like ours. Everyday, clients call in and tell us that Chase claims they do not work with us, they haven’t heard from our company, we have lawsuits agains us, etc. Every one of these are lies. EVERYDAY, I receive a fax from CHASE with all our clients listed and what they will settle for. Yet, they will call you and tell you the complete opposite. Their job is to get into your checkbook TODAY, so be very leary of anything these collectors say, as it is usually just the opposite of what is true.

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