JG Wentworth vs National Debt Relief: Texas Fees Compared

Key Takeaways

• Debt Redemption charges a 15% consumer settlement fee, JG Wentworth currently publishes a 21% program fee, and National Debt Relief says its fee can reach 25% — your written quote controls.
• On $100,000 of resolved debt, the gap between a 15% and a 25% fee is $10,000 in settlement fees alone; against JG Wentworth's published 21%, it's $6,000.
• Dedicated-account charges are separate from the settlement fee at every company — ask for the provider name and full fee schedule in writing.
• Debt Redemption offers a free, no-obligation consultation and an itemized fee comparison for eligible Texans.

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JG Wentworth vs. National Debt Relief vs. Debt Redemption: Texas Fees at a Glance

How do JG Wentworth, National Debt Relief and Debt Redemption compare for Texans? Debt Redemption, a Texas debt relief company founded in 2002 and headquartered in San Antonio, charges a 15% consumer settlement fee; JG Wentworth currently publishes a 21% program fee; National Debt Relief says its fee can reach 25%. For Texans carrying $30,000 to $300,000 or more in eligible unsecured debt, the fee percentage can matter more than a small difference in monthly account charges. Your actual quote controls. This comparison also covers dedicated-account charges, optional legal help and business debt (Debt Redemption FAQ; JG Wentworth, Debt Relief Program page; National Debt Relief, How It Works page).

What to Compare	Debt Redemption	JG Wentworth	National Debt Relief
Consumer settlement fee	15% of eligible enrolled debt resolved (DR FAQ)	Current page describes a 21% program fee; individual rate can vary (JG Wentworth, Debt Relief Program page)	Says the average client usually pays up to 25%; exact Texas quote is not posted (NDR, How It Works page)
Account administrator	Forth, a separate company (Forth)	Independent provider; name and price are in account or enrollment terms (JG Wentworth, Debt Relief Program page)	Usually Global Holdings; consumers may choose another provider (NDR, FAQ page)
Account charges	$10.95 opening fee and $10.95 monthly; other payment-method or transaction fees can apply under Forth terms	Provider fee applies; current public program page does not list the amount (JG Wentworth, Debt Relief Program page)	Public FAQ reviewed does not state a current provider fee; request account agreement (NDR, FAQ page)
Independent legal service	Optional early and lawsuit-stage Texas counsel, separately retained and paid (DR FAQ)	Optional outside-law-firm plan for creditor legal action, at a monthly cost (JG Wentworth, Debt Relief Program page)	Comparable separate attorney plan not verified in materials reviewed
Business debt	Eligible Texas small-business cases, including some MCA obligations, considered individually	Business-debt scope not confirmed on cited program page (JG Wentworth, Debt Relief Program page)	Company discusses assistance with certain business debt (NDR, Business Debt Relief page)

The 15% fee is the consumer settlement fee described by Debt Redemption. Business cases may have different pricing. Each provider may quote different terms for particular accounts. "Not verified" means the cited public pages did not establish the service or charge; it does not mean a company never offers it.

How Much Is the Fee Difference at 15% vs. 25%?

When another company quotes 25% of the same enrolled balance, a 15% fee is 10 percentage points lower and 40% lower relative to that 25% fee. National Debt Relief publishes an upper fee of 25%, but does not say that every Texan pays it. JG Wentworth's current published comparison is 21%, so the correct fee difference against JG is six percentage points (Debt Redemption FAQ; JG Wentworth, Debt Relief Program page; National Debt Relief, How It Works page).

Balance Resolved	Debt Redemption at 15%	JG Wentworth at Published 21%	Illustration at 25%	15% vs. 25% Gap
$30,000	$4,500	$6,300	$7,500	$3,000
$100,000	$15,000	$21,000	$25,000	$10,000
$300,000	$45,000	$63,000	$75,000	$30,000

Fee examples compare settlement fees only on the same enrolled balance and assume every illustrated debt settles. They exclude creditor payments, dedicated-account charges, optional legal services, other provider fees and taxes. They are not estimates of total savings or program results. Actual fees depend on written terms and debts resolved.

What Are the Forth Account Costs?

Debt Redemption clients use Forth to administer a separate special purpose account. Forth charges $10.95 to open it and $10.95 a month, with other charges possible depending on how payments are made and the written account agreement. These are Forth account costs, separate from Debt Redemption's 15% settlement fee. Debt Redemption earns no settlement fee before an eligible settlement and first creditor payment; the independent account opening fee is different from a settlement fee (Debt Redemption FAQ; Forth; FTC).

JG Wentworth explicitly says its outside account provider charges a fee, but directs clients to the agreement for the amount. National Debt Relief says it usually uses Global Holdings, while allowing another provider; its FAQ reviewed here does not give a current charge. Request the provider name, opening fee, monthly charge and transaction schedule in writing for every quote (JG Wentworth, Debt Relief Program page; National Debt Relief, FAQ page).

Which Company Offers Optional Help From a Lawyer?

Debt Redemption offers access to an independent Texas law office as a separate, optional engagement. Depending on the attorney's agreement and case, counsel may get involved before suit, assess defenses if litigation is threatened, or represent a client in a filed case. Legal fees are paid to that law office. Debt Redemption does not itself provide legal advice or representation (Debt Redemption FAQ).

JG Wentworth discloses an optional monthly outside-law-firm plan focused on representation if a delinquent account