Swift Debt Relief  Avis 44

This company stole my money and paid $0 towards my debt! I’m out $6200 with the same debt I started with. Please beware!!

Title: Warning About Swift Debt Relief
Text:
I want to warn everyone about dealing with Swift Debt Relief.
The promises they make at the beginning are completely different from what actually happens.
They told me they would reduce my total debt of $28,000 to $21,000 and that I would pay $450 per month for four years and finish all my debts.
After starting payments, I discovered that the $450 only applied to one credit account, and if I wanted to settle the other credits, I had to pay each one separately.
Monthly fees and payments multiply, and the amounts I paid do not reflect any real settlement.
They promised that I would not go to court, and if anything happens, they would support me—all of this is false.
In short, this company operates in a clearly fraudulent way, and their promises do not reflect reality. A warning to everyone before dealing with them.

Settlements voided by Swift Debt Relief after one late payment, then immediately offered “re-negotiation”— I’m concerned about being charged the legal fee (29% of the enrolled Credit balance) again.

I joined Swift Debt Relief expecting transparent settlement execution and clear, written proof of what was paid to my creditors. After nearly a year, I’m still dealing with confusing accounting and incomplete documentation. Based on posted transactions, the net amount withdrawn from me (posted) is $3,090.

How much was actually paid as “Settlement Payment” to creditors (after ~1 year)?
Across the entire statement period, the line items labeled “Settlement Payment” total only $515.64.

How much Swift/CDP appears to have taken as fees/charges?
The same statement shows large debits labeled “Debt Program” totaling $1,869.91, and what concerns me is that one debit labeled “Debt Program” of $1,269.91 equals 29% of the enrolled Credit balance ($4,379.00 × 0.29 = $1,269.91), which strongly resembles the program’s 29% settlement legal fee rather than a creditor payment.

In addition, the statement includes other charges such as:
- EPPS monthly fees (total debits): $201.89
- NSF fees: $90.00
- Settlement check fees: $78.00

Despite repeated requests, I have not received a complete written, itemized ledger showing exactly how much was paid to each creditor, on what dates, and with which confirmation/reference numbers (ACH trace or cleared check copies). I repeatedly asked a simple question: How much of my net payments ($3,091.84) has actually been paid to creditors?

Settlements and cancellation:
on December 8, 2025, I received an “Important Alert Notification of Missed Payment” stating my most recent payment was returned due to insufficient funds and that missing a draft can put the account in a paused status and may risk voiding settlements. Minutes later, I received an SMS indicating the creditor agreements were voided.

What concerns me is that immediately after voiding the agreements, Swift indicated they would re-negotiate once funds were available. From a customer perspective, this raised a serious concern that the process could restart in a way that results in the settlement legal fee being charged again from the beginning, even though the settlements had already been approved before.

I’m posting this to warn others: before paying for months, insist on written proof of creditor disbursements, a full and clear fee ledger, and a written explanation of what happens to fees if a settlement is voided and then re-negotiated.

If Swift resolves this by providing full documentation and correcting any improper fees, I will update my review.

They were able to consolidate my debt and get me into a much better situation than I was in before. Great work and amazing products!

To contact Swift is one of the only choices that I have ever made. Their team has been very good to me concerning the issue they had with me and I now have a clear roadmap to my financial freedom. I have never received such a good service from any of the other online writing companies.

I have very much enjoy working with Swift Debt Relief. They listened to me with outmost respect especially when I explained some of my special conditions. And it is not just about paying a debt, it’s about taking back your life and becoming in charge of your financial status.

Slow responses and inefficient help from Swift Debt Relief were a sign of subpar customer service and obvious organizational problems.

I lost thousand of dollars with them, no customer service ,no feedback ,no legal support. I was getting summons from court ,they didnot communicate\care at all.when summons time over then after that they start calling and trying to keep me in. After hard time i left them and moved to another consolidation company. I talked with customer care luckily when she picked up phone, she said i can called them anytime but phone would disconnect right away.I m notified swift of the change( to different consolidation company) they got pissed since then i am getting constant calls from random number. When u call back they dont pick..... i will not recommend using them at all...

Before, I obliged yself in debts and like I could never get out of it, but with Swift Debt Relief's help, I did. They suggested me what to do based on my situation, they bargained with my creditors and came up with a program that I was to follow. I can now say and fee that I've 'got my finances back'.

I had no idea where to go at that point and Swift Debt Relief personnel helped me make sense of everything. Everything they mentioned was clear and understandable and they came up with the plan that could actually be implemented. This brought out the different areas they were professional and dedicated.

Serving with Swift Debt Relief has definitely served as one of the best decisions I have personally made. Their team was amazing; professional, knowledgeable and very much concern with the well-being of the patients. Honestly, they’ve been a great help and have assisted me in achieving true steps on my path towards financial independence and I can’t thank enough.

I was at my worst but Swift Debt Relief had solutions that were possible for me to attain. Their team was lovely, sympathetic and I felt reassured with them that I could cope with my debt. About them, let alone they've been a true blessing.

This gave a good feeling having to deal with the Swift Debt Relief company since it offered a personalized treatment. They came up with a plan that suited my circumstances and today I am on the way to becoming financially independent. For this reason, I would personally encourage any person in the middle of debt problems to seek help from their services.

Swift Debt Relief is that I had been longing for. I was struggling in debts but they made me understand that I have options to take. They discussed and arranged something for me which has placed me into the right path. It is so great that I am so much relieved and I feel like I got my life back.

The people working at the Swift Debt Relief are just extraordinary. They listened to my financial to my financial situation and were able to help me with something that I could afford and am now feeling optimistic about the future for the first time in years hopefully I can help more people and pass on the word about them.

Swift Debt Relief proved that, besides being a client there is so much more that could be done to help. They paid attention to the things that I said, was very clear with the processes and offered me debt solutions that did not overwhelm me . It was the first time when I felt that I am to be in charge of my financial life.

Through the help of Swift Debt Relief, the process of debt resolution was easy and less complicated. I received the genuine advice on how I can improve my paper and the team was very informative throughout the entire process. Honestly, there is nothing I would want different, as he was an incredible partner in my quest to financial liberation.

I had never expected that there is such a thing as Swift Debt Relief to help me out. I was experiencing a lot of financial woes, which they listened to, and came up with a plan that can help me out and indeed things are changing for the better.

Swift Debt Relief has indeed be one of the few agencies that continue to offer hope to people during such time. They explained it to me one by one and I always had a feeling that I am not alone. The people in their team daily do it for the passion helping others, and I am now witnessing some changes in my financial problems.