J.G. Wentworth Review

For more than 25 years, J.G. Wentworth has provided Americans with personal finance solutions that now include debt management programs. In order to help those struggling with debt, the company offers multiple solutions. Notably, debt consolidation loans are among those options.

Founded in 1991, J.G. Wentworth is a Pennsylvania-based financial services company that quickly made a name for itself. Television viewers may remember J.G. Wentworth’s popular taglines: “It’s your money!” and “It’s my money, and I need it now!”

Initially, J.G. Wentworth focused primarily on purchasing long-term, structured financial vehicles in exchange for lump-sum payouts. The company has since expanded its services to include debt consolidation solutions.

So, let’s take a closer look at J.G. Wentworth to give you a clear picture of its debt consolidation programs.

Pros and Cons of J.G. Wentworth



What Does J.G. Wentworth Offer?

J.G. Wentworth offers several debt solutions, including debt consolidation loans. Debt consolidation is designed for people who owe money to multiple creditors, usually at differing and relatively high interest rates. Consolidation programs issue a single loan to cover the sum total of the various debts. So, a debt consolidation loan simplifies things with one monthly payment.

J.G. Wentworth doesn’t generalize about its consolidation loans. So, the exact terms and conditions and amount of savings will vary from person to person. In order to get specific information, you’ll want to complete a brief online form on the company’s website.

What Are the Eligibility Requirements?

J.G. Wentworth offers solutions to people with $7,500 to $100,000 in unsecured debt. So, the company works with a large range of debt amounts. The eligible debt amounts cover the total amount owed to all creditors. In other words, you could qualify if you owed four creditors $2,000 each, as your total debt would be $8,000.

Where Does J.G. Wentworth Operate?

As of April 2021, J.G. Wentworth is available in 27 U.S. states and jurisdictions:

What To Expect on the Site

In order to get started, complete the brief online form on  J.G. Wentworth’s website. So the company can begin understanding your situation, the online form will ask a few questions:

After that, a J.G. Wentworth team member will then contact you for a consolidation.


There aren’t any upfront fees. Instead, J.G. Wentworth earns commission-based fees, which are calculated based on your level of debt. As of April 2021, J.G. Wentworth doesn’t explicitly state its fees on its website, as they vary from state to state and depend on the amount of debt you’re carrying.

What People Are Saying About J.G. Wentworth

On Trustpilot, J.G. Wentworth enjoys a very positive score. As of April 2021, J.G. Wentworth has a Trustpilot rating of 4.8 out of 5 stars based on 1,000 customer reviews:

Additionally, J.G. Wentworth has been accredited by the Better Business Burea since 1996, giving the company a long track record of reliability. Furthermore, J.G. Wentworth has an A+ BBB rating.

J.G. Wentworth is also recognized by multiple industry regulators, watchdogs, and accrediting agencies, including:

The Bottom Line

If you’re looking to consolidate your debt, then J.G. Wentworth’s programs may be right for you. The company is well-established, as evidenced by its BBB, AFCC, and IAPDA accreditations.

So, as you consider top debt consolidation providers, J.G. Wentworth is worth exploring given the company’s strong reputation.