Royal Debt Relief

What Royal Debt Relief does

Royal Debt Relief LLC is a privately held US company, founded around 2006 and domiciled in Wyoming, that operates primarily as a lead generation and marketing platform rather than a direct provider of debt settlement services. The company acquires distressed consumers through its website (royaldebtrelief.com), SEO, paid search, an Accelerated Debt Payoff Calculator, phone consultations, and live chat, then transfers those leads to a network of third-party debt settlement companies, debt relief firms, attorneys, and licensed financial service providers who perform the actual negotiation work. Across 46+ US states (excluding Alaska, Connecticut, Hawaii, New Jersey, New Mexico, West Virginia, and Puerto Rico), it has helped 100K+ clients and claims $500M+ in debt resolved cumulatively, supported by a service portfolio spanning debt settlement, debt consolidation, credit card consolidation, credit counseling, debt negotiation, bankruptcy alternatives, and a DIY self-service track.

The underlying technology stack is conventional digital marketing infrastructure: a website with a financial calculator, lead capture forms, multilingual support for South Asian languages (Hindi, Punjabi, Urdu, Bengali, Tamil, Telugu, Gujarati), WhatsApp-based live chat, and a contact center operating seven days a week. The company is simultaneously repositioning under a second brand, Ooraa, with comparison messaging positioning it against unnamed competitors. Royal Debt Relief generates revenue via an affiliate/referral model: it charges no fees to consumers directly, and instead monetizes by selling or referring leads to third-party providers who then charge 15-25% service fees (below the 25-30% industry standard) on enrolled debt, with typical debt reduction outcomes of 40-60% over 24-48 month programs. Industry affiliations include IAPDA Platinum, AFCC Certified, AADR Member, BBB A+, and U.S. Chamber of Commerce membership, and the company has featured in CBS News, U.S. News, Money.com, LA Times, and CNBC. No revenue, headcount, funding, or ownership information is publicly disclosed.

Name

Royal Debt Relief

Legal name

Royal Debt Relief LLC

Website

https://royaldebtrelief.com

Company type

Private

Founded year

2006

Operating status

Operating

Short description

Royal Debt Relief is a US lead generation platform that connects consumers with unsecured debt ($7,500+) to a network of third-party debt settlement providers across 46+ states, monetizing via affiliate referral fees rather than direct service delivery.

Ownership category

akta.pro rank

Product category

Consumer Debt Relief Services

NAICS

Collection Agencies (56144), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Debt Consolidation Personal Loans (Unsecured Installment) (FSAKAAAD)

akta.pro secondary industries

Credit Card Debt Consolidation Loans (FSAKAIAC), Third-Party Collection Agencies (Consumer) (FSAKAJAB), Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

Keywords

• Debt settlement services
• Consumer debt relief
• Lead generation marketing
• Credit card consolidation
• Debt negotiation programs

Headquarters

HQ city

Sheridan

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Marketing or Sales, Personnel, Operations, Technology or R&D, Others

Revenue model

1. Lead Generation and Sales: Royal Debt Relief generates and sells consumer leads to third-party debt settlement companies, debt relief firms, attorneys, and other licensed financial service providers. The company acts as a pass-through entity that transfers consumer contact information to service providers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Royal Debt Relief operates as a lead generation and marketing platform that connects consumers struggling with unsecured debt (credit cards, personal loans, medical bills, collections) to a network of third-party debt settlement companies, attorneys, and licensed financial service providers. The company manages consumer acquisition through digital marketing, free consultations, and a debt calculator, then transfers qualified leads to partner providers who perform the actual debt settlement work. Core service categories include debt settlement, debt consolidation, credit card consolidation, credit card counseling, debt negotiation, and bankruptcy alternatives.

Product overview

Royal Debt Relief operates as a lead generation and marketing platform that connects consumers seeking debt relief with third-party debt settlement service providers. The core product is a debt settlement program that follows a structured 4-phase process: Build (depositing into FDIC-insured account), Negotiate (with creditors), Settle (client-approved settlements), and Freedom (debt resolved). The service portfolio includes debt consolidation, credit card consolidation, credit card counseling, debt negotiation, and bankruptcy alternatives. Supporting tools include an accelerated debt payoff calculator. The company is rebranding under the name Ooraa (as seen in logo references) and offers multilingual support for South Asian languages. The typical program timeline is 24-48 months with a 15-25% service fee structure.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Settlement Program Core program that negotiates with creditors on behalf of clients to reduce total unsecured debt, typically achieving a 40–60% reduction. Clients deposit funds into a personal FDIC-insured account; partner providers negotiate settlements; clients approve every settlement before funds are released.
• Debt Consolidation Service that consolidates multiple debt payments into one manageable monthly payment, simplifying financial management for clients with multiple creditors.
• Credit Card Consolidation Specialized consolidation service that combines multiple credit card balances into a single payment plan for consumers with credit card debt.
• Credit Card Counseling Financial guidance service providing advice and strategies for managing and paying off credit card debt, delivered by certified debt consultants.
• Debt Negotiation Service where partner providers negotiate directly with creditors to reach favorable settlement terms and reduce outstanding debt balances.
• Bankruptcy Alternative Debt relief option presented as a private alternative to filing for bankruptcy protection, intended to help clients resolve unsecured debt without going through court proceedings.
• Do-It-Yourself Debt Relief Self-service debt relief resources and guidance for clients who prefer to negotiate with creditors and manage their own debt resolution journey.
• Accelerated Debt Payoff Calculator Interactive online calculator that helps users estimate savings from debt consolidation and accelerated payoff scenarios across credit cards, loans, and a new consolidation loan; demonstrates how extra monthly payments can reduce total interest and accelerate debt freedom.

Quantifiable outcome

• Typically 40-60% reduction in total debt owed when using partnered service providers
• +2 more outcomes

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Third-Party Debt Settlement CompaniescoreChannel Partner/ Reseller/ DistributorRoyal Debt Relief transfers consumer leads to a network of third-party debt settlement companies, debt relief firms, attorneys, and licensed financial service providers who perform the actual debt settlement services. These service providers negotiate with creditors on behalf of consumers.
• International Association of Professional Debt Arbitrators (IAPDA)coreStrategic or Co-development PartnerPlatinum Member status. Royal Debt Relief has developed internal training programs complementing IAPDA training, requiring new team members to complete 20-40 hours of training and pass exams.
• American Fair Credit Council (AFCC)coreStrategic or Co-development PartnerAFCC Certified member, indicating adherence to highest industry standards for debt resolution companies.
• American Association for Debt Resolution (AADR)coreStrategic or Co-development PartnerAADR member, organization dedicated to educating consumers about debt resolution and holding companies to high industry standards.
• U.S. Chamber of CommerceminorStrategic or Co-development PartnerProud member in good standing, actively supporting initiatives that foster new business growth throughout the United States.
• SCOREminorStrategic or Co-development PartnerPartnership supporting SCORE, a nonprofit that helps small businesses thrive and expand their workforce.

Scale indicators9 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Money Management International (MMI): MMI is one of the largest U.S. nonprofit credit counseling agencies offering DMP plans, debt management, and bankruptcy counseling. Comparable as an alternative consumer-debt solution that competes for the same distressed consumer, though operating primarily through a counseling model rather than settlement.
• LendingTree: LendingTree is a major financial services marketplace that matches consumers with multiple lenders and debt relief providers. Comparable as a large-scale affiliate/lead-referral platform in consumer finance and a potential channel competitor or partner for Royal Debt Relief.
• Achieve (Freedom Financial Network): Achieve is the parent of Freedom Debt Relief and a broader consumer debt-resolution platform spanning personal loans, debt settlement, and home equity products. Comparable as an incumbent operator in the wider debt resolution space with broader product breadth than Royal Debt Relief's lead-gen model.

Direct peers

• ClearOne Advantage: ClearOne Advantage is an established debt settlement company offering consumer debt negotiation with comparable fee structure and 24-48 month program duration. It directly competes for the same lead pool and ranks among Royal Debt Relief's most-cited alternatives.
• Beyond Finance: Beyond Finance (formerly Beyond Financial) is a fintech-enabled debt settlement provider that uses a tech-forward acquisition funnel and similar performance-based fee structure. It is a comparable DTC competitor targeting the same unsecured-debt consumer.
• National Debt Relief: National Debt Relief is one of the largest direct-to-consumer debt settlement companies in the U.S., serving consumers with unsecured debt across roughly the same 46+ state footprint. It is the most directly comparable peer because it operates the same DTC acquisition funnel and offers the same debt settlement outcomes (typically 40-60% reduction, 24-48 month timeline, performance-based fees).
• CuraDebt: CuraDebt is a national debt settlement and tax debt resolution company that targets the same DTC consumer and offers overlapping services (debt settlement, debt consolidation, tax relief). It competes on the same paid-search keywords and trust signals as Royal Debt Relief.
• Freedom Debt Relief: Freedom Debt Relief (part of Freedom Financial Network / Achieve) is a top-tier U.S. debt settlement provider with similar customer profile, settlement economics, and digital acquisition playbook. It competes head-to-head for the same consumer and often co-occurs on comparison lists with Royal Debt Relief.
• Accredited Debt Relief: Accredited Debt Relief is a mid-sized U.S. debt settlement company with comparable fee structure (typically 20-25%), similar target customer (unsecured debt holders), and similar digital lead-acquisition motion. It is a direct alternative in the same purchase-decision set as Royal Debt Relief.

Emerging players

• SoLo Funds: SoLo Funds is a community lending platform addressing consumer cash-flow needs among underserved demographics (including South Asian and other immigrant communities). Comparable as an emerging fintech targeting similar consumer segments with a different (lending, not settlement) product, but overlapping demand driver and demographics.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/RoyalDebt

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Royal Debt Relief