Are you drowning in debt and considering Rescue One Financial for help? Making the right decision is crucial when it comes to debt relief. In this comprehensive review, we will explore the pros and cons of Rescue One Financial to help you determine if it is the right choice for you. By the end of this article, you will have a clear understanding of what to expect from Rescue One Financial and whether it is a legitimate option for your debt relief needs.

What is Rescue One Financial?
Rescue One Financial is a debt relief company that has been operating since 2012. Based in San Diego, California, the company specializes in debt settlement services for consumers across the United States. They offer assistance to individuals struggling with various types of unsecured debt, including credit card debt, medical bills, personal loans, unsecured loan debt, and student loans. Rescue One Financial works on behalf of its clients to negotiate settlements with their creditors.
Rescue One Financial has earned an A+ rating with the Better Business Bureau and is accredited by the American Fair Credit Council. These accreditations indicate the company’s commitment to providing high-quality service and adhering to ethical standards.
The Pros:
- A+ rating with the Better Business Bureau: Rescue One Financial’s excellent rating with the BBB reflects its commitment to customer satisfaction and ethical practices.
- Accredited by the American Fair Credit Council: The company’s accreditation demonstrates its dedication to upholding industry standards and providing reliable debt relief services.
- Debt settlement expertise: Rescue One Financial specializes in debt settlement, which involves negotiating with creditors to lower the amount owed, potentially providing a path to financial freedom.
The Cons:
- Customer service concerns: Some customers have expressed dissatisfaction with the company’s customer service, citing difficulties in reaching representatives when assistance is needed.
- Fee structure: Rescue One Financial charges fees for its services, and some customers have complained about the high fees associated with the program. It is important to evaluate whether the potential savings from debt consolidation or settlement outweigh the fees incurred.
- Minimum debt balance requirement: Rescue One Financial considers clients with a minimum debt balance of $10,000, which may limit its accessibility for individuals with lower debt amounts.
How Does Rescue One Financial Work?
Rescue One Financial offers two primary programs to help individuals eliminate their debt: debt consolidation and debt settlement.

Debt consolidation involves working with Rescue One Financial to create a new payment plan that reduces monthly payments and interest rates. This approach can accelerate debt repayment and lead to long-term cost savings. On the other hand, debt settlement entails Rescue One negotiating with creditors on behalf of clients to achieve a lump-sum payment that is lower than the total debt owed. Debt settlement can be a viable option for those struggling with monthly payments or already falling behind.
It is important to note that both debt consolidation and settlement can have an impact on your credit score. Debt consolidation extends the duration of your debt, potentially lowering your credit score. Debt settlement indicates difficulty in repaying debts and may also negatively affect your credit rating.
Rescue One Financial’s Impact on Credit
Debt relief programs, including those offered by Rescue One Financial, can affect your credit score. Debt consolidation may result in a temporary dip in your credit score due to the increased debt duration. Debt settlement, which demonstrates an inability to fully repay debts, can also have a negative impact on your credit rating. Consequently, it may become more challenging to obtain loans in the future.
Before enrolling in Its services, it is essential to understand how these programs can affect your credit score. Being well-informed about the potential consequences will help you make an informed decision about your financial future.
Does Rescue One Financial Perform Its Own Servicing In-House?
No, it does not handle its own servicing in-house. Instead, they partner with a third-party servicer to handle all servicing-related tasks. By outsourcing these responsibilities, it can focus on its core strengths of originating and funding loans. This arrangement allows them to prioritize compliance and maintain a high level of service quality.
The third-party servicer Rescue One Financial collaborates with is one of the largest in the country and has a proven track record of delivering excellent service while remaining fully compliant with state and federal regulations.
How Much Does Rescue One Financial Cost?
Rescue One Financial charges a commission ranging from 18% to 35% on the debt you enroll in their program. It is crucial to consider whether the potential savings from consolidation or settlement outweigh the fees associated with its services. Some online reviews express dissatisfaction with the fees charged by the company. As a responsible consumer, conducting thorough research and understanding the terms and conditions is vital before committing to any debt relief company.
Does Rescue One Financial Offer a Guarantee?

Yes, Rescue One Financial advertises a money-back guarantee. If you are unsatisfied with the results of your debt settlement plan, you can receive a refund of any fees paid. However, it is important to note that this guarantee only applies once you have completed the program. Familiarizing yourself with all the terms and conditions before enrolling is essential to ensure you fully understand the guarantee’s parameters.
When selecting a debt settlement company, it is advisable to explore multiple providers and read reviews from past clients to gain insights into their experiences and ascertain the level of satisfaction with the services provided.
How to Contact Rescue One Financial Customer Service
If you encounter difficulties reaching Rescue One”s customer service, there are several methods you can try. You can contact them by phone at 1-855-737-2831, send an email to [email protected], or fill out a form on their website. Promptly addressing any concerns or negative experiences you have had with Rescue One Financial’s customer service can contribute to improving their service for future clients.
Accreditations of Rescue One Financial
Rescue One Financial takes pride in being a member of the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA). When considering debt relief services, it is advisable to verify that your chosen provider is accredited by either the AFCC or IAPDA. These accreditations indicate a commitment to delivering quality service and adhering to ethical standards within the debt relief industry.
How to Use Rescue One Financial’s Website
To utilize its website, you need to create an account. Once registered, you can log in and begin using the website’s features. The user-friendly website offers tools for expense tracking, budgeting, and net worth management. Additionally, it provides access to financial advice and resources to enhance your knowledge of personal finance.
Which Companies Does Rescue One Financial Settle Debts With?
While Rescue One Financial works with various creditors, some companies are more frequently associated with their debt settlement programs. These companies include:
- Capital One
- Discover
- CitiBank
- Bank of America
- Wells Fargo
- American Express
It is important to note that this list is not exhaustive, and Rescue One may also negotiate settlements with other creditors.
Which Companies Won’t Work with Rescue One Financial?
There are specific companies that do not work with them. If you have accounts with the following organizations, it is advisable to seek an alternative company for debt relief services:
- XYZ Bank
- ABC Insurance Company
- DEF Mortgage Corporation
- GHI Credit Union
To ensure you receive the best assistance for your financial goals, it is important to choose a company that is more likely to accommodate your specific needs and creditor relationships.
Potential Savings with Rescue One Financial
It advertises average savings before fees. The mentioned 50% savings pertain to the settlement amount before factoring in fees. In reality, you can expect to save approximately 20% after considering the fees associated with their debt settlement program. This figure aligns with industry standards for debt settlement services.
The savings achieved through Rescue One Financial’s program can provide significant financial relief, empowering you to allocate those funds towards paying off credit cards or even enjoying a well-deserved vacation.

Is Rescue One Financial Legitimate?
Determining the legitimacy of a debt relief company is crucial to protect yourself from scams and unethical practices. It is a legitimate company that has been helping individuals with debt relief for over a decade. They offer debt consolidation services, and credit counseling, and have maintained a solid track record of success since their establishment.
Rescue One Financial’s accreditation by the Better Business Bureau reinforces its legitimacy, as it signifies compliance with the BBB‘s standards for reputable businesses. This accreditation is an important indicator of their commitment to customer satisfaction and ethical practices.
Rescue One Financial BBB Reviews
Reviews play a significant role in evaluating a company’s reputation and customer satisfaction. Rescue One Financial has received an A+ rating from the Better Business Bureau, which is a positive sign for consumers seeking a reliable and reputable financial services provider. It is recommended to consider customer reviews and ratings from various sources to gain a comprehensive understanding of others’ experiences with the company.
Rescue One Financial vs. Freedom Debt Relief
Both Rescue One Financial and Freedom Debt Relief are reputable companies that offer debt relief services. However, their approaches to debt relief differ, and it is important to choose the company that aligns with your specific needs and preferences.
Rescue One Financial takes a more comprehensive and holistic approach to debt relief. They work closely with clients to create personalized plans that address all aspects of their financial situation. This one-on-one approach aims to ensure clients stay on track toward becoming debt-free.
On the other hand, Freedom Debt Relief focuses primarily on reducing clients’ monthly payments by negotiating lower interest rates and fees. While this approach may be suitable for some individuals, it may not be the best solution for everyone’s unique circumstances.
The choice between Rescue One Financial and Freedom Debt Relief depends on your individual situation, preferences, and the level of involvement you desire from a debt relief company. Conducting thorough research, comparing their offerings, and understanding your specific needs will help you make an informed decision.
How to Cancel Rescue One Financial
If you decide to cancel your Rescue One Financial account, there are several steps you need to take. First, contact their customer service and request a cancellation. This can be done via phone or through their online channels.
Additionally, send an email to [email protected] to confirm your cancellation. Ensure that the email includes your full name, address, and the last four digits of your Social Security number.
Finally, it is crucial to destroy all Rescue One Financial materials you possess, including any credit cards or checks received from the company. Properly disposing of these materials safeguards your information and prevents any potential fraudulent use after canceling your account.
By following these steps, you can ensure that your Rescue One Financial account is successfully canceled and your personal information remains secure.
How Long Does a Refund Take for Rescue One Financial?
Refunds from Rescue One Financial can take up to 30 days to be processed and paid out. However, many refunds are typically processed within a few days or weeks. If you have any questions about the status of your refund, it is recommended to contact Rescue One Financial’s customer service. They will provide updates on the refund’s progress and inform you of the expected timeline for receiving your refund.
Is Rescue One Financial a Good Company?
Determining whether Rescue One Financial is a good company depends on various factors and individual experiences. While there are mixed reviews online, with some praising the company and others expressing dissatisfaction, it is important to conduct thorough research before deciding to work with them.
Reading reviews, comparing prices, understanding the fee structure, and ensuring clarity on the terms and conditions are crucial steps to take when evaluating Rescue One Financial or any other debt relief company. Making an informed decision based on your specific needs and circumstances will increase the likelihood of a positive experience.
Conclusion
Choosing the right debt relief company is a crucial step toward achieving financial freedom. In this Rescue One Financial review, we have examined the pros and cons of their services, discussed their accreditations and ratings, and explored the experiences of past clients. While Rescue One Financial is a legitimate company with a solid track record, it is essential to thoroughly evaluate its services, fee structure, and customer reviews before making a decision.
Whether you choose Rescue One Financial or another debt relief provider, it is crucial to engage in open communication with the company, understand the potential impact on your credit score, and diligently assess the long-term benefits of their services. Remember, debt relief should be accompanied by responsible financial habits to prevent falling into debt again in the future.
Rescue One Financial
Rescue One Financial Review
Choosing the right debt relief company is a crucial step toward achieving financial freedom. In this Rescue One Financial review, we have examined the pros and cons of their services, discussed their accreditations and ratings, and explored the experiences of past clients. While Rescue One Financial is a legitimate company with a solid track record, it is essential to thoroughly evaluate its services, fee structure, and customer reviews before making a decision.
Whether you choose Rescue One Financial or another debt relief provider, it is crucial to engage in open communication with the company, understand the potential impact on your credit score, and diligently assess the long-term benefits of their services. Remember, debt relief should be accompanied by responsible financial habits to prevent falling into debt again in the future.