First Step Towards
Debt-Free Future
Join over 1.2 million Americans who have found relief from overwhelming debt. Get personalized solutions with no judgment, just support.
- Consolidate multiple payments into one manageable monthly payment
- Be debt-free in 24-48 months with our proven program
- See what options you qualify for in minutes - completely free
✓ Free consultation • ✓ No obligation • ✓ No pressure
Start Fresh
with a Smarter Debt Plan
Explore options that help you pay off debt faster, with lower monthly stress.
It's easy to begin with a free consultation and no hidden fees.
Trusted by leading consumer platforms and industry organizations
As featured in:
Accelerated Debt Payoff Calculator
See how consolidating your debt and applying extra payments can help you become debt-free faster and save thousands in interest.
Credit Cards
Loans & Installments
New Consolidation Loan
Accelerate Your Payoff
Apply monthly payment savings or additional funds to pay off your debt faster.
This calculator provides estimates for informational purposes only. Actual results may vary based on interest compounding methods, payment timing, and other factors. Consult a financial advisor for personalized advice.
How Our Program Works
A simple, transparent 4-phase process that puts you back in control of your finances
Build
Deposit monthly into YOUR dedicated FDIC-insured account that you control
Negotiate
We negotiate with creditors once funds build up to secure the best settlements
Settle
You approve every settlement before we proceed - no surprises, complete control
Freedom
Debt resolved, you're free to rebuild your financial future with confidence
Average program completion: 24-48 months
Real People, Real Results
Join thousands who have successfully achieved financial freedom through our program
I was feeling completely overwhelmed with debt and didn't know where to start, but working with this company was honestly a 100% change my life. From the beginning, they were kind, understanding, and ...
Seemab Malik
US
I want to sincerely thank Aman and Vivek for their incredible support in helping me settle a large amount with Bank of America and American Express during one of the hardest financial times in my life...
Iqbal
US
Great service! and great people! They were able to help me with everything I needed, even more than I expected. They contacted every one of my creditors on my behalf, relegating all communications to ...
Imran Riaz
US
I had an amazing experience with Ooraa Debt Settlement Company! I was struggling with high-interest debt every month, and I couldn't see a way out. Thankfully, Aman from Ooraa stepped in and worked ti...
Navdeep Bhardwaj
US
I'm very satisfied with ooraa debt relief program. Nishan Singh has been very helpful throughout the process. Thank you for the great work.
inderpreet singh
US
Money-Back Guarantee
We are committed to your success. If we don't deliver results, you don't pay.
No Fees Until Results
We only get paid when we successfully settle your debt
You Approve Everything
Every settlement requires your approval before we proceed
Your Account, Your Control
FDIC-insured account in YOUR name that YOU control
Money-Back Program
If we don't meet our commitments, we'll refund your fees
Compare Your Options
Understanding the differences helps you make the best decision for your situation
| Feature | Ooraa(Your Best Choice) | National Debt Relief | Freedom Debt Relief | Accredited Debt Relief |
|---|---|---|---|---|
| Upfront Fees | $0 - NO UPFRONT FEESPay only after we reduce your debt | YESFees collected upfront | YESUpfront consultation fees | YESInitial fees required |
| Service Fee | 15-25%Below industry standard! | 25-30%Of enrolled debt | 25-30%Of enrolled debt | 25-30%Of enrolled debt |
| Reduces Total Debt Owed | Typically 40-60% | Varies by case | Varies by case | Varies by case |
| Average Timeline | 24-48 monthsStandard timeline | 24-48 monthsStandard timeline | 24-48 monthsStandard timeline | 24-48 monthsStandard timeline |
| Monthly Payment | Lower & FlexibleBased on YOUR budget | SimilarThan current payments | SimilarThan current payments | SimilarThan current payments |
| Credit Impact | Moderate (temporary)Short-term impact | Moderate (temporary)Short-term impact | Moderate (temporary)Short-term impact | Moderate (temporary)Short-term impact |
| Public Record | Completely private | Private process | Private process | Private process |
| Professional Negotiation | Expert team + specialist | Professional team | Professional team | Professional team |
| Personalized Solutions | 100% CustomizedNOT one-size-fits-all.
Custom solution for YOUR needs | StandardizedTemplate-based approach | StandardizedTemplate-based approach | StandardizedTemplate-based approach |
| Client Treatment | OutstandingYou're family, not a number | ProfessionalStandard customer service | ProfessionalStandard customer service | ProfessionalStandard customer service |
| Multilingual Support | All South Asian Languages
Hindi, Punjabi, Urdu, Gujarati, Tamil, Telugu, Kannada & more | LimitedEnglish & Spanish only | LimitedEnglish & Spanish only | LimitedEnglish & Spanish only |
| Legal Review | Licensed Attorney Review
INCLUDED
Every case gets legally reviewed at no extra cost | Legal consultation not included | Legal consultation not included | Legal consultation not included |
Ooraa
(Your Best Choice)
Upfront Fees
Service Fee
Reduces Total Debt Owed
Average Timeline
Monthly Payment
Credit Impact
Public Record
Professional Negotiation
Personalized Solutions
Client Treatment
Multilingual Support
Legal Review
National Debt Relief
Upfront Fees
Service Fee
Reduces Total Debt Owed
Average Timeline
Monthly Payment
Credit Impact
Public Record
Professional Negotiation
Personalized Solutions
Client Treatment
Multilingual Support
Legal Review
Freedom Debt Relief
Upfront Fees
Service Fee
Reduces Total Debt Owed
Average Timeline
Monthly Payment
Credit Impact
Public Record
Professional Negotiation
Personalized Solutions
Client Treatment
Multilingual Support
Legal Review
Accredited Debt Relief
Upfront Fees
Service Fee
Reduces Total Debt Owed
Average Timeline
Monthly Payment
Credit Impact
Public Record
Professional Negotiation
Personalized Solutions
Client Treatment
Multilingual Support
Legal Review
Better Pricing
- Zero Upfront Fees: Pay only after results
- 15-25% Service Fee: Save thousands compared to 25-30% industry standard
- No Hidden Charges: Complete transparency throughout
Personalized Care
- Custom Solutions: NOT one-size-fits-all
- Dedicated Specialist: Your personal guide through every step & turn
- Respect & Dignity: Treated like family, not a number
Unique Advantages
- South Asian Languages: Hindi, Punjabi, Urdu, Gujarati & more
- Licensed Attorney Review: Every case legally reviewed at no extra cost
- Cultural Understanding: We understand your background
Am I Eligible?
See if our debt relief program is right for your situation
Eligible Debt Types
- Credit card debt
- Personal loans
- Medical bills
- Private student loans
- Collection accounts
- Repossessed vehicles (deficiency)
- Business debt (case-by-case)
Not Eligible
- Mortgages (secured debt)
- Auto loans (secured debt)
- Federal student loans
- Tax debt (IRS/State)
- Child support
- Court-ordered fines
- Payday loans (in most states)
Program Requirements
Minimum Debt
$7,500 in unsecured debt
Financial Hardship
Job loss, medical, divorce, income reduction, etc.
Location
Available in 46+ states
Free • No obligation • No credit check
Frequently Asked Questions
One Call Can Change Everything
Taking that first step to regain control of your debt is a courageous decision
What to Expect:
Free, No-Obligation Consultation
No pressure, just honest answers
Certified Debt Consultant
IAPDA-certified professionals
Personalized Assessment
Custom plan for your situation
Complete Confidentiality
Your privacy is protected
"I was feeling completely overwhelmed with debt and didn't know where to start, but working with this company was honestly a 100% change my life. From the beginning, they were kind, understanding, and never made me feel judged. They helped me create a plan that actually made sense for my situation, and for the first time in a long time, I feel hopeful and in control of my finances. I'm so grateful for their support—if you're struggling like I was, I highly recommend reaching out.thank u"
- Seemab Malik, US
Get Started Today:
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Average response: 30 seconds
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Weekend hours: Sat-Sun 9am-6pm ET
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Join the 1.2+ million people who have found financial freedom