Premier Debt Help review

There are a few red flags that might make you want to look elsewhere.

Premier Debt Help is a debt settlement company that works with unsecured personal debt and claims to offer a 100% money-back guarantee. But its barebones website, lack of industry accreditations and minimal online reviews might make you want to look elsewhere.

No reviews yet. Write a review

Accredited Debt Relief details

ServicesDebt settlement with direct negotiations.
Minimum debtNot listed
Typical turnaroundPending
FeesNot listed
Types of debt Credit cards, medical bills, unsecured personal loans and lines of credit, collections or repossessions, business debts.
RatingsNo Better Business Bureau (BBB) or Trustpilot pages.
Free resources or toolsBlog
Customer servicePhone, email, mail, online message form.

How much does it cost?

Premier Debt Help isn’t transparent about costs involved with its debt settlement service, other than mentioning it has a low monthly program payment. During your free consultation, ask about what fees and service charges you’re on the hook for so you understand the full cost of its program.

How much could I save with Premier Debt Help?

While the amount you can save depends on your specific situation, Premier Debt Help claims to have helped many clients pay off their debts for 30% of what they originally owed.

What are the benefits and drawbacks of Premier Debt Help?


  • Money-back guarantee. If Premier doesn’t settle your debt, you get 100% of your money back.
  • Quick results. On average, Premier Debt Help offers results in three years, which is on the faster side for debt settlement companies.


  • No info on minimum debt considered. You’ll have to sign up for Premier’s free consultation to see if you even have enough debt to qualify for its program.
  • Limited information on costs. You won’t know the costs involved with Premier’s debt settlement program until after your consultation.
  • Not accredited. Premier doesn’t have a page on the BBB or Trustpilot, nor is it accredited with popular industry and trade groups.
  • Offers only one service. Premier Debt Help only provides debt settlement services.

Compare more debt relief lenders

Name Product Costs Requirements
Accredited Debt Relief
Charges and fees vary by the company you're ultimately connected with
Must be at least 18 years old and a legal US resident; additional terms may apply based on services and products used.
This A+ BBB-rated service offers free consultations to lower your monthly payments help you get out of debt faster.
National Debt Relief
15–25% of total enrolled debt
Must have a legitimate financial hardship which is preventing the ability to pay creditors and a minimum of $7,500 in debt.
Get back on your feet with a top-rated company that works with multiple types of debt.
Freedom Debt Relief
Monthly payment based on enrolled debt, no upfront fees
Must have at least $7,500 in unsecured debt, have a hardship is preventing the ability to pay creditors, and live in a serviced state.
Freedom Debt Relief works to help people with unmanageable, unsecured debt get back on their feet.

Compare up to 4 providers

Before you sign up with a debt relief company

Debt relief companies typically charge a percentage of a customer’s debt or a monthly program fee for their services. And not all companies are transparent about these costs or drawbacks that can negatively affect your credit score. Depending on the company you work with, you might pay other fees for third-party settlement services or setting up new accounts, which can leave you in a worse situation than when you signed up.

Consider alternatives before signing up with a debt relief company:

  • Payment extensions. Companies you owe may be willing to extend your payment due date or put you on a longer payment plan if you ask.
  • Nonprofit credit counseling. Look for free debt-management help from nonprofit organizations like the National Foundation for Credit Counseling.
  • Debt settlement. If you can manage to pay a portion of the bill, offer the collection agency a one-time payment as a settlement. Collection agencies are often willing to accept a lower payment on your debt to close the account.

What is Premier Debt Help?

Premier Debt Help is a New Jersey debt settlement company that can negotiate with creditors on your behalf. However, the company’s barebones website doesn’t detail exactly how much debt you need to qualify, costs involved or exactly how the process works. You’ll need to sign up for its free consultation to learn more.

What do clients say about Premier Debt Help?

Premier Debt Help doesn’t have a page on popular review sites like the BBB or Trustpilot. Though the customer testimonials on its website are all positive, it’s hard to trust those reviews given Premier Debt Help uses them as advertisements for its program.

Take caution when working with any company that has a minimal online presence, few customer reviews and a skimpy website — it’s difficult to know exactly what you’re getting into.

Is it safe to use Premier Debt Help?

We’re not sure. We recommend getting more information from Premier Debt Help’s customer service team before using its service. Unlike other debt settlement companies, it’s not accredited with popular industry and trade organizations like the American Fair Credit Council or the International Association of Professional Debt Arbitrators. This can be a red flag, especially because its website doesn’t have any information on its privacy policy or how it uses or shares your personal details.

How do I get started?

Follow these steps to apply for a free consultation with Premier Debt Help:

  1. Go to the Premier Debt Help website.
  2. Enter your first and last name, email address, phone number, number of debts and the amount you owe.
  3. Click Get Free Consultation.

From there, a Premier Debt Help consultant should get in touch with you to discuss your situation and see how it might be able to help.

I’ve signed up. What happens next?

Premier Debt Help doesn’t list what happens after you enroll in its debt settlement program. However, if it’s like most programs, you’ll go through the following steps:

  • Create a payment plan. Set up a budget and decide how much you’d like to pay into your settlement account each month.
  • Make payments into your settlement account. Premier uses this account to pay off your creditors.
  • Premier Debt Help negotiates with your creditors. Ideally, it convinces your creditors forgive a portion of your debt, allowing you to pay the remaining debt in one lump sum.
  • Authorize payments from your settlement account. Premier will pay off your creditors, and likely deduct fees for its service — though it doesn’t mention these on its website.

How can I get in touch with Premier Debt Help customer service?

There are four ways to get in touch with Premier Debt Help’s customer service team. However, we tried calling the company multiple times and kept getting redirected to an answering machine.

    • Phone: 877-235-3878
    • Email:
    • Online message: Go to the Premier website and click Contact.
    • Mail: Premier Debt Help
      4400 Route 8 South Suite 2100
      Freehold, NJ 07728

Bottom line

It’s difficult to know whether Premier’s debt settlement program can help you without signing up for its free consultation. You won’t find much information on its website about how much debt you need to qualify or even the costs of signing up. And its lack of industry accreditations and online reviews make us more than a little wary.

Frequently asked questions.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site