Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Compensation, along with hours of in-depth editorial research, determines where & how companies appear below. Advertiser Disclosure

Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Advertiser Disclosure

Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Compensation, along with hours of in-depth editorial research, determines where & how companies appear below. Advertiser Disclosure

Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Advertiser Disclosure

Advocate Debt Relief, LLC (ADR) is a company dedicated to helping individuals and families manage their debt and get back on their feet financially. They offer a variety of services such as debt consolidation, debt settlement, credit counseling, and budgeting. Their team of experienced financial advisors will help you create a plan to pay off your debt and get back on track. They also provide helpful resources such as articles and blog posts to help you better understand debt and how to manage it. Their services are designed to be affordable so that anyone can get the help they need. This Advocate Debt Relief review should provide a comprehensive overview of their services and how they can help you.



Advocate Debt Relief Review

Benefits and Drawbacks of Advocate Debt Relief


  • Acts on behalf of its clients in order to conduct settlement negotiations with creditors, potentially leading to reduced overall debt amounts.
  • Provides convenient payment arrangements, allowing customers to pay off their debt in an accessible way.
  • Ensures that no upfront charges are required, allowing those in financial difficulty to rest easy.
  • Advocate Debt Relief offers a complimentary consultation to those interested in their services to discuss their financial standing and obtain a tailored debt relief plan.


  • Is not a feasible solution for everyone; depending on where a person is located, they may have to explore other methods for resolving their debt.
  • Charges a hefty rate of up to 25% of the total amount of debt enrolled in their program, which may be more expensive than other debt relief services.
  • Typically requires clients to commit to a program that lasts between two and four years, which might be too long for some.
  • Advocate Debt Relief’s services are restricted to debt settlement, so if you need other kinds of debt relief, such as debt consolidation or credit counseling, this may not be the ideal option for you.

What is Advocate Debt Relief?


Advocate Debt Relief is a debt relief company that provides debt settlement services to individuals and families who are struggling with high levels of debt. The company negotiates with creditors on behalf of its clients to reduce the total amount of debt owed, with the goal of helping clients become debt-free.

ADR’s services typically include a free consultation, enrollment in a debt settlement program, negotiation with creditors, and resolution of debts through payments made from a client’s settlement account. The company charges fees based on a percentage of the total amount of debt enrolled in the program, and the average program length is between 24 and 50 months. Advocate Debt Relief does not charge any upfront fees and is available in select states across the United States.

Services Offered

Advocate Debt Relief offers debt settlement solutions to those who are overwhelmed by their financial obligations. This company engages in negotiations with creditors on behalf of their clients, aiming to reduce their debt load and ultimately become debt-free. Their services typically involve a free consultation, enrolling in a debt settlement program, negotiating with creditors, and paying off debts through funds from a settlement account.

No initial payment is required from customers; they are only responsible for a certain percentage of the total debt amount enrolled in the program. On average, consumers are in the program for a period between 24 and 50 months, however, this can vary depending on individual circumstances.

How Does Their Process Work?

The customary procedure of Debt Relief from Advocate normally comprises of the following stages

  • The business provides a complimentary evaluation to prospective customers in order to evaluate their financial status and decide if debt resolution is the best choice for them.
  • If a customer chooses to get help from Advocate Debt Relief, they will become part of a debt settlement program. The firm will collaborate with the customer to decide on a reasonable amount to be saved into a settlement account each month.
  • Advocate Debt Relief will work to negotiate down the amount of debt its clients owe to creditors. They aim to come to an agreement where the client pays less than the full amount of debt, usually with a single payment from a settlement account.
  • Once all the outstanding debts have been taken care of, the customer will transfer money from their settlement account to cover the expenses owed to the creditor. This will be done until all the debts have been paid off.
  • Once all debts that have been enrolled in the program are paid off, the program is finished and the customer has no more debt. The company charges a fee based off the total amount of debt that was enrolled in the program.

It is essential to be aware that debt negotiation can be detrimental to someone’s credit score, and there is no assurance that all liabilities will be resolved. Nevertheless, Advocate Debt Relief is committed to furnishing a personalized and efficient debt settlement scheme to assist customers in becoming debt-free.

Length Of The Program

The duration of Advocate Debt Relief’s program is dependent on an individual’s particular situation. According to the organization’s website, the ordinary length of the program is between 24 and 50 months. It should be noted that not all clients are capable of finishing the program, and some may need an extended program period due to their financial circumstances.

The duration of the program can be influenced by aspects like the amount of debt enrolled, the number of creditors, and the client’s capacity to accumulate enough funds. Advocate Debt Relief’s program length estimations are based on their prior encounters with customers, creditors, and debt collectors.

How Much Does Their Services Cost?

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Advocate Debt Relief is a company that offers debt relief services to people struggling with debt. The company does not charge any upfront fees, which is a great benefit for those seeking debt relief. Instead, the company charges fees based on a percentage of the total amount of debt enrolled in the program. The percentage typically ranges from 20% to 25%, and is dependent on the state in which the client resides. It is important to note that Advocate Debt Relief only charges fees once one or more of the enrolled debts are successfully settled.

If Advocate Debt Relief is able to settle some but not all of a customer’s enrolled debts, they will charge a fee based on the amount of debt that was settled. The fee can differ depending on the individual’s specific situation, so it is important for those considering Advocate Debt Relief to speak about the fees and payment methods during the consultation.

Is Advocate Debt Relief available in all states?

Advocate Debt Relief is not accessible in all states.

The business is presently functioning in a select number of states, which include AL, AK, AZ, AR, CA, CO, CT, FL, GA, HI, ID, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD,

Before signing up for Advocate Debt Relief, potential customers should make sure that the company offers services in their state.

Comparing Advocate Debt Relief to Other Debt Relief Companies

Comparing Advocate Debt Relief to Other Debt Relief Companies

It can be tricky to assess different debt relief firms as they all have their own range of services, costs, and timeline of programs. Nevertheless, there are some approaches to evaluating Advocate Debt Relief in comparison to other debt relief companies.

    • Fees: Advocate Debt Relief implements fees that are proportional to the total debt enrolled, like many other debt relief companies. Still, the exact fee system can differ based on a customer’s individual situation.
    • The duration of the program offered by Advocate Debt Relief usually spans between two to four years, similar to other debt relief companies. Nevertheless, the length of the program may differ based on the individual’s financial situation.
    • Advocate Debt Relief provides debt settlement services, which is a common type of debt relief provided by many companies in the industry. Alternatively, other organizations may offer different solutions, like debt consolidation or credit counseling.
    • Advocate Debt Relief has received favorable feedback from some of its users, but it is essential for prospective customers to do their own investigations and read reviews from multiple sources prior to deciding.

    Before settling on a debt relief company, it is essential to thoroughly investigate and compare different options. Consumers should take into account factors such as fees, duration of the program, range of services provided, as well as the company’s credibility and history of helping clients clear their debt.

    Contacting Advocate Debt Relief

    To get in touch with Advocate Debt Relief, you can give them a call at +1 (888) 889-7130 or drop them an email at [email protected]. If you’d like to visit their physical address, it is situated at 27599 Riverview Center BLVD Suite 201, Bonita Springs, FL 34

    Reviews of Advocate Debt Relief Services

    Yes, there are reviews and customer testimonials for Advocate Debt Relief’s services on their website. Additionally, there are reviews of Advocate Debt Relief on third-party review sites like Trustpilot and BestCompany. However, it is important to keep in mind that not all of these reviews can be trusted or are an accurate portrayal of the company’s customer experience.

    Advocate Debt Relief is not officially certified by the Better Business Bureau, but they do have a satisfactory A+ rating. It is important to remember that the lack of BBB complaints or reviews does not always indicate the quality of a company’s services. It is advised that you research and examine reviews from multiple sources prior to making a choice.

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    Frequently Asked Questions

    What kind of financial obligations can Advocate Debt Relief assist with?

    The main focus of Advocate Debt Relief is to support individuals who are struggling with unsecured debts, for example, credit card debts, medical bills, personal loans, and some types of commercial debts. It is unlikely that they will be able to lend a hand with secured debts, including mortgages or car loans, or specific debt types, like student loans or

    Can Anyone trust Advocate Debt Relief?

    Advocate Debt Relief is a genuine debt relief firm which is duly registered in the state of Florida and works according to federal and state laws. They have been in business since 2018 and have aided thousands of customers in decreasing their debt worries.

    How Does Debt Settlement Affect My Credit?

    Debt settlement can adversely affect your credit rating due to the negotiating process to pay less than the total amount owed. This can cause late payments, write-offs, and collection accounts to appear on your credit history, which can diminish your credit score. Nonetheless, once the debt is settled, you can start to improve your credit score little by little.

    Will creditors still bother me while I’m in Advocate Debt Relief’s program?

    When you sign up with Advocate Debt Relief, they will collaborate with your creditors in an attempt to reach a settlement and halt collection attempts. Although, it’s possible that some creditors could keep attempting to contact you or take legal action until an agreement is made.

    Is it permissible to keep utilizing my credit cards during the time I am a participant in Advocate Debt

    It is not advisable to keep using your credit cards while participating in a debt relief program as it could add to your debt load and make it harder to come to an agreement with your creditors. Advocate Debt Relief might suggest that you cease using your credit cards and put your money towards settling your debts.

    What occurs if I fail to deposit money into my settlement account?

    It is important to make your monthly payment into the settlement account on time, otherwise it can slow down the debt resolution process and you could be subject to additional charges. Advocate Debt Relief suggests clients not miss any payments to get the best result.

    Is it possible for me to end my involvement in Advocate Debt Relief’s program whenever?

    It’s possible to withdraw from Advocate Debt Relief’s program without penalty at any moment. Nonetheless, it’s essential to be aware that cancelling the program might lead to extra charges and could have a negative effect on your credit score if all your debts are not resolved.

    What kind of savings can I anticipate when I use Advocate Debt Relief to tackle my debt?

    The extent to which you can decrease your debt by utilizing Advocate Debt Relief’s program is contingent upon numerous aspects, including the total amount of debt you are obligated to pay, your creditors’ openness to come to an agreement, and your capability to make regular payments into your settlement fund. According to Advocate Debt Relief, clients ordinarily pay a range of 20-25% of the sum of their debt that they sign up for

    Do I have to pay taxes for the money that Advocate Debt Relief forgave me?

    It is likely that you may be required to pay taxes on the amount of debt forgiven via Advocate Debt Relief’s program, since the IRS views forgiven debt as taxable income. Nonetheless, certain exceptions and exemptions may be applicable and it is advised that you seek guidance from a tax expert to gain a better understanding of what your individual tax obligations are.

    What is the duration of Advocate Debt Relief’s program to settle my debt?

    How quickly Advocate Debt Relief’s program can help you clear your debts will depend on a number of things, such as the amount of debt you have, how open your creditors are to negotiations, and your capacity to make regular deposits into your settlement account.

    Final Thoughts

    If someone is unable to pay their minimum monthly bills and has tried all other avenues, Advocate Debt Relief may be a good choice. It has a staff of experienced negotiators who can settle debts at a lower price. Be sure to read the terms and stay in contact with the company to ensure that the process is proceeding properly.

    In the end, whether or not to sign up for a debt settlement program is a personal choice that should be taken after a thorough investigation and thought of all the available alternatives.

    Advocate Debt Relief
    • Advocate Debt Relief

    Advocate Debt Relief Review

    For individuals with unsecured debt, Advocate Debt Relief provides debt settlement services. Although the company has a good BBB rating and offers a free consultation, it is important to carefully analyze both its pros and cons before enrolling. Advocate Debt Relief’s fees can be relatively high compared to other debt relief companies, and their program length can also be longer than average. Moreover, debt settlement can negatively affect credit scores, so it’s not always a good idea.

    Nevertheless, Advocate Debt Relief may be a viable option for individuals who cannot make their minimum monthly payments and have exhausted all other options. With the help of a team of experienced negotiators, the company settles debts for a fraction of their full value. To ensure the process is moving smoothly, it is important to carefully review the program’s terms and conditions and to communicate regularly with Advocate Debt Relief.

    After thoroughly researching all available options and considering all factors, a debt settlement program is ultimately a personal decision.








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    Julian Wilson is a renowned writer who specializes in tax-related topics. With years of experience in the field, he has established himself as a leading voice in the industry. After completing his education, he began his career working as a tax consultant for a prominent accounting firm. During his time there, he gained extensive knowledge and expertise in tax law, compliance, and auditing. With a passion for writing, Julian eventually transitioned to a career in journalism, where he could share his knowledge and insights with a wider audience.

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