Ooraa is a debt settlement company with a huge global network that spans the United States, Canada, New Zealand, and Australia. They offer competitive rates, an array of services, and solid customer support. The question is, do they have what it takes to stand head and shoulders above the competition and are they worthy of your time and money?

In this guide we'll take a closer look at Ooraa to find out.

Ooraa Review

About Ooraa

The vast majority of debt settlement and debt management companies that we review here on DebtReviews limit themselves to the US, and most are limited to specific states. Even big companies like Clarifi are limited to a handful of states, and we have only come across a couple (IRS Medic included) that span the world. Ooraa are another one of those global companies though and it means that US companies that do a lot of business abroad can find a settlement company with an equally large reach.

Basic Information

  • Address: 109 E 17th St Ste 80, Cheyenne, WY 82001-4587
  • Web Address: http://www.ooraa.org/
  • Date of Founding: 2/1/2008
  • Contact Number: (888) 888-9914
  • BBB Accredited? No.

The Company

The Ooraa website is well laid-out, it's clean, it's full of useful content, and there are no annoying popups or other issues that are so prevalent in this industry. They are accredited, certified, and they have contact numbers in several different countries.

Their website is updated on a regular basis, which is something we don't always get to say about other companies, and they have a host of tools like calculators to help you better understand your position.

The Services

Ooraa offer a range of competitively priced debt relief services, with an emphasis on debt settlement. The additional services they offer include consolidation, bankruptcy assistance, debt counseling, and more.

Ooraa have a small team of staff working in all of these areas, with a few skilled individuals and a team of support staff to deal with the non-specialized stuff.

The Reviews

There are mixed reviews out there for Ooraa, but the majority are positive. As far as complaints go, there are a number of these, but Ooraa have taken an active role in resoling them. A few of them have surprised us a little as the replies have been a little unprofessional, but far from the worst we have seen and the way they are resolved (usually with apologies and an offer of compensation) are very positive.

Our Ooraa Review

As you may have seen from our rating, it's clear that we're going to have a lot of good things to say about Ooraa. But there are still some negative points worth mentioning so make sure you read both the pros and the cons below before making up your mind.

The Good

Low Minimum Requirement

Ooraa charges a relatively low fee of 20% of the total debt enrolled, which looks good when you compare it to the average of around 25%. They also require a lower minimum debt of $4,000 to qualify for their program, which also looks impressive when you consider that the average is over three times this amount.

Clients are given the option to cancel the services at any time without a penalty of any kind.


Ooraa is a certified member of the IAPDA, which means that the staff and negotiators have completed courses and certifications and are qualified to work with clients and to help them with unsecured debt settlement.

The Ooraa website goes to great lengths to outline how the settlement process works and they also have guides relating to bankruptcy, and other debt relief options, including ones specific to medical bills, credit card debt, and more. We often find ourselves complaining about the lack of transparency and detailed information on debt settlement websites, but this is not something that we have an issue with on Ooraa and they have gone the extra mile to ensure that this is the case.

Ooraa Help

The Bad

Lacking Accreditations

Although Ooraa is accredited by the IAPDA, they are missing several other key accreditations, including the AFCC. This is not a massive issue and contrary to what some clients seem to believe, it doesn't mean that they are not abiding by strict rules and regulations, nor does it mean they are in any way a scam. In fact, most of the companies we come across lack certain accreditations and it's rare to find one that has this area completely covered.

Lack of Credible Information

Ooraa has the contact details as a company named Settlement Processors, but when we looked further into this affiliation we were unable to get a clear response. We tried emailing them about it, but they didn't provide us with a response, and when we asked the question over the phone the support staff we spoke to didn't seem to be aware. This is a not a massive issue as there are many affiliations, parent/subsidiaries and other such connections in big business, but we would have felt better had this connection been clarified.

It was also hard for us to identify where the business is located as they have several addresses listed on their website and social media pages. They also have ties to another company with another name, but as with the one mentioned above, we were not able to get clarity on this.

Unanswered Questions

At the end of our research into Ooraa we were left with a lot of unanswered questions. It could be that there is perfectly innocent reasons for this, and that is probably the case, but we're here to rate them and to advise customers to join or not, and when we have so may questions left unanswered it makes that job harder.

The Bottom Line

Although Ooraa does provide some solid settlement services at impressive rates, there is a major concern with regards to unanswered questions and other key aspects of this company's operations.

We did like what we saw and we also like the fact that their website features a number of guides and covers a number of important subjects. If they had fixed a few of the aforementioned issues then this would easily be a 5/5, but without those fixes we have too many doubts and as a result we can't rate them higher than 3/5.