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
- A structured path toward reducing and resolving debt
- See what options you qualify for in minutes - completely free
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.
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.
Trusted by leading consumer platforms and industry organizations
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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
Compare Your Options
Understanding the differences helps you make the best decision for your situation
| Feature | BEST CHOICEooraa.org(Your Best Choice) | The Competition |
|---|---|---|
| Upfront Fees | $0 - NO UPFRONT FEES!Pay only after we reduce your debt | YESFees collected upfront |
| Service Fee | 15-25%Below industry standard! | 25-30%Of enrolled debt |
| Legal Review | Licensed Attorney ReviewEXCLUSIVEEvery case reviewed by licensed attorney in your state | May BeLegal consultation not included |
| Reduces Total Debt Owed | Typically 40-60% | Varies by case |
| Average Timeline | 24-48 monthsFast resolution | 24-48 monthsStandard timeline |
| Monthly Payment | Lower & FlexibleBased on YOUR budget | LowerThan current payments |
| Credit Impact | Moderate (temporary)We guide you through recovery | Moderate (temporary)Short-term impact |
| Public Record | NOCompletely private | NOPrivate process |
| Professional Negotiation | Expert TeamDedicated 1-on-1 specialist | Professional team |
| Personalized Solutions | 100% CustomizedNOT one-size-fits-all!
Custom solution for YOUR needs | StandardizedTemplate-based approach |
| Client Treatment | OutstandingUtmost respect, care & dignity
You're family, not a number | ProfessionalStandard customer service |
| Multilingual Support | All South Asian LanguagesNEWHindi, Punjabi, Urdu, Bengali,
Tamil, Telugu, Gujarati & more! | LimitedEnglish & Spanish only |
Upfront Fees
Ooraa
Others
Service Fee
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Legal Review
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Reduces Total Debt Owed
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Average Timeline
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Monthly Payment
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Credit Impact
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Public Record
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Professional Negotiation
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Personalized Solutions
Ooraa
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Client Treatment
Ooraa
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Multilingual Support
Ooraa
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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
Personalized Care
- Custom Solutions: NOT one-size-fits-all templates
- Dedicated Specialist: Your personal guide throughout
- Respect & Dignity: Treated like family, not a number
Unique Advantages
- South Asian Languages: Hindi, Punjabi, Urdu, Bengali, Tamil & more
- Licensed Attorney Review: Every case legally reviewed in your state
- Cultural Understanding: We understand your background
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 ...
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 du...
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 credito...
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. Th...
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
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