Have You Heard from JH Portfolio Debt Equities?

If you are one of our consumers, you might have received something in the mail or received a call from us. JH Portfolio Debt Equities, LLC acquires charged-off accounts from some of the nation’s largest lenders and works with select partners to resolve the accounts with consumers. Accounts are often considered charged-off when 180 days or more have passed without the required minimum monthly payment.

Restore™ – A New Way to Pay Off Debt, Just by Shopping

If you are experiencing financial hardship and your account is eligible, you can use Restore ™ to pay off your charged-off account. Please visit www.letsrestore.com to signup and check eligibility or call Restore™ if you’d like more program information, 1 (866) 585-5390.

Let’s Restore™ rewards you with Pay-Off Cash, we call them RestoreBucks, which shopping through our portal at participating retailers. For every $2 spent you pay off $1 of debt. All you have to do is shop for the things you need and you’ll always earn 50% back.

If you have received marketing materials from Let’s Restore and you’d like to opt-out please call the JH Portfolio Debt Equities opt-out line at (818) 305-6776.

How Can I Make a Payment?

JH Portfolio Debt Equities, LLC does not accept payments directly. Our partner agencies accept all payments on our behalf. If you are unsure of which agency is handling your account or have any questions regarding the process, you can call our offices at (314) 442-7500 for more information.

Financial Literacy Resources for Consumers

To assist our consumers with a better understanding their personal finances and the collection process, we have compiled a list of consumer financial literacy resources. The resources below offer education, advice and tools to help you take control of your financial future.


CreditKarma offers consumers free access to their credit reports as well as credit monitoring and credit score improvement tools. This digital service can help you better understand your overall credit score and what you can do to help improve it. Visit CreditKarma.com or download their app to find out more.

Ready For Zero

Ready for Zero helps consumers to track and pay down their debt while protecting their credit. Their online platform identifies all of your debt accounts and makes a personalized payoff plan to help you get rid of your debt quicker, tracking your progress every month and alerting you of any changes to your accounts. You can also track your credit score and get personalized recommendations on how to boost it.


MyMoney.gov is a financial literacy resource provided by the U.S. Government to educate consumers about personal finance and credit. This tool offers information about a variety of consumer financing products and the responsible use of credit.


Mint.com is an online personal finance software service from Intuit, the makers of QuickBooks. The Mint.com service has more than 3 million users because they offer a fresh, easy and intelligent way to manage money.

Personal Capital

Similar to Mint.com, Personal Capital is an online personal finance software service that offers several tools for consumers to take charge of their financial goals. Personal Capital has over 1 million users and its tools have won numerous awards for their ability to help consumers understand every facet of their financial lives.

Ask Dr. Debt (provided by ACA International)

Askdrdebt.com is a free service provided by ACA International to help consumers better understand credit and the collection process. Ask Dr Debt gives consumers the opportunity to ask questions to industry experts and receive educational material on a variety of personal finance matters.

RMA Consumer Education

Receivables Management Association International (formerly DBA International) is the nonprofit trade association that represents more than 550 companies that support the purchase, sale, and collection of performing and nonperforming receivables on the secondary market. By providing products, services, and education to its members, Receivables Management Association International enhances the economic performance and liquidity of the financial services industry and fosters the ability of consumers to participate in the marketplace for goods and services.

Financial resources for consumers

Financial Education

We encourage consumers to learn more about personal finance and responsible use of credit.

Each resource offers unique information and tools to help you improve your financial future.

Financial resources for consumers