Debt Settlement
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Last Updated: 04/18/2025
Consumer Debt Help Association
Claimed
Last Updated: 04/18/2025
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Highlights
Community Rating
Strongly recommended
Minimum Debt Owed
$7,500
Settlement Fee %
15%(Verified 06/21/2024)
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Monthly Service Fee
$0(Verified 06/21/2024)
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Number of Reviews
Consumer Debt Help Association Review
Consumer Debt Help Association is a debt settlement company based in Lantana, FL. It offers debt relief services to borrowers in 27 states (and Washington, DC). Founded in 2009, it is a well-established company that has been in business for over 10 years.
Key Takeaways
- Low debt minimum. Consumer Debt Help Association stands out from the competition because it only requires clients to have a minimum balance of $7,500. Most firms require at least $10,000 of unsecured debt.
- ACDR and IAPDA accredited. Consumer Debt Help Association is a member of the Association for Consumer Debt Relief (ACDR), which is the largest trade association for the debt settlement industry. It also employs debt resolution specialists that have been trained and accredited by the International Association of Professional Debt Arbitrators (IAPDA).
- Well-established company. Consumer Debt Help Association has been in business for 17 years.
- Only considers unsecured debts. Consumer Debt Help Association will only settle unsecured debts. These include credit card accounts and personal loans.
- Only available in some states. Consumer Debt Help Association is only available in 27 states, and Washington, DC.
Consumer Debt Help Association Pros & Cons
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Consumer Debt Help Association FAQ
What does Consumer Debt Help Association do?
Consumer Debt Help Association offers debt relief services for the following types of debt:
- Unsecured debt, such as credit card debt, medical debt, and personal loans.
What does Consumer Debt Help Association charge?
Consumer Debt Help Association charges a settlement fee based on the debt handled. Instead of monthly payments or upfront fees, Consumer Debt Help Association only collects a fee once a settlement has been reached. Fees are calculated as a percentage of the enrolled debt and may vary by state. Across the industry, debt settlement clients typically see a 45% to 60% reduction of their enrolled debt before fees.
Consumer Debt Help Association settlement fees are 15% of the enrolled debt.
Debt relief fees and settlement terms can vary based on your state and individual circumstances, so it’s best to speak directly with Consumer Debt Help Association for an accurate quote.
Does Consumer Debt Help Association offer a guarantee?
Yes, Consumer Debt Help Association does advertise a program guarantee and you won't be charged any fees until your debts are settled. Charging upfront fees is illegal in the debt settlement industry anyway. Check with Consumer Debt Help Association LLC for more details on their guarantee.
What is the minimum debt Consumer Debt Help Association will consider?
Consumer Debt Help Association is recommended for customers with an unsecured debt of $7,500 or more. Customers with less than $7,500 of unsecured debt may benefit from a debt consolidation loan or credit counseling services.Does Consumer Debt Help Association perform its own servicing in-house?
Yes, Consumer Debt Help Association employs its own in-house servicing staff who manage the process and negotiate settlements on behalf of their customers.
What accreditations does Consumer Debt Help Association have?
The two main trade associations in the debt relief services space are the Association for Consumer Debt Relief (ACDR) and the International Association of Professional Debt Arbitrators (IAPDA).
- Consumer Debt Help Association is an accredited ACDR member.
- Consumer Debt Help Association is an IAPDA member.
Is Consumer Debt Help Association LLC a legit company?
Consumer Debt Help Association LLC was founded in 2009, it is a well-established company that has been in business for 17 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.
Consumer Debt Help Association Disclosure: % of debt fee is 15% or state guideline. No Results, No Fees ... ** Results are based on accepted settlement offers where the creditors have received payment on each account, fees are based on each of the clients enrolled account separately. Estimates based on prior results; individual results will vary based on circumstances, including your ability to save sufficient funds and complete the program. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Please contact a tax professional to discuss tax consequences of settlement. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating. Consumer Debt Help Association is not a law firm and does not provide legal advice. Not available in all states, state restrictions may apply.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Consumer Debt Help Association
Hours of Operation
Sunday
Closed
Monday
6:00AM - 5:00PM
Tuesday
6:00AM - 5:00PM
Wednesday
6:00AM - 5:00PM
Thursday
6:00AM - 5:00PM
Friday
6:00AM - 5:00PM
Saturday
Closed
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SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
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Consumer Debt Help Association Community Reviews
Would you recommend Consumer Debt Help Association to your friends?
Stephen G.
Aug 18, 2021
May or may not recommend
I would like to leave a five star stellar review for Consumer Debt Help Association LLC 516 North Dixie Highway, Lantana, FL. Everyone there was very professional, experienced, competent, and helpful with everything throughout this process that ended sooner than the program was scheduled to end. I HIGHLY recommend them! They CDHA LLC are TRUE and NOT a fake scam like many other places out there. CAROL especially, has been ...Show More
Steve R.
Jun 14, 2021
May or may not recommend
Consumer Debt Help Association, I just wanted to thank you so much for helping me get Debt free. It's been a pleasure working with you. And if & when I find anyone with similar Debt problems, I will be sure to recommend you!!!
Thank you again!
-Steve R.
SF
Scott F.
May 5, 2021
May or may not recommend
My experience with consumer debt help couldn't have been better! If you're considering debt settlement use this company! You will not regret it! My only regret was not calling sooner!
Al D.
Apr 15, 2021
May or may not recommend
Consumer Debt Help Association truly helped us settle some significant debt. They shared not only helpful written information but were also very responsive to information requests by e-mail and phone. While the process was daunting and sometimes scary, they were there to ease our minds and help us through the process to better understand not only what was happening but what might be expected next. Samantha was our point person ...Show More
Williams S.
Jan 20, 2021
May or may not recommend
Signing up with Consumer Debt Help Association is one of the best financial decisions I have ever made. They are totally up front with what is happening and are very nice to deal with. I was able to settle $89,000 of debt with a monthly payment that I could afford, and without having to ever speak to a creditor. I would highly recommend their service.
- William S.
Kwam R.
Dec 16, 2020
May or may not recommend
Client Relations Specialist, Carol Trigueno was a pleasure to work with. Carol guided me throughout my entire process with CDHA. I was very nervous about CDHA and didn't trust the program. Carol was very helpful and always assured me that everything will work out. Today, I'm debt free and my credit score is on the rise! After my experience with Carol, I even recommended a friend to CDHA and a ...Show More
Bertie S.
Oct 15, 2020
May or may not recommend
The customer service department at Consumer Debt Help is amazing. This was a stressfull time for me but anytime I had questions or uncertainty Samantha was there to assure me of the progress as I went through the program.
- Bertie S.
Lisa M.
Aug 19, 2020
May or may not recommend
Consumer Debt Help Association was terrific. They did what they said they would do. When I initially researched these types of companies, what impressed me so much was there lack of sales pressure to join their company. They explained things very thoroughly and never applied high level sales techniques. Every step of the sign up process, provided very professional, helpful, kind, caring individuals. Once I signed up, Samantha, my representative ...Show More
Adria H.
Jul 15, 2020
May or may not recommend
A great company to deal with that has a friendly staff. After almost 3 years with them I have no complaints....they explained everything every step of the way and always responded when I had a question. I had the pleasure of dealing with Ms, Rehiannon Depina and she made my experience of trying to get out of dept a positive one. I am proud to say that I am out ...Show More
Janet A.
Apr 29, 2020
May or may not recommend
I can't say enough how great Consumer Debt Help is!!! I was in trouble financially. I contacted them and they did what they do best...they got me out of debt. It took me a little longer to complete the program than it should have, but they were right there with me. They worked with me, always treated me with respect, checked in with me every month and got me out ...Show More
Stefanie W.
Jan 8, 2020
May or may not recommend
Consumer Debt Help saved me from drowning in debt,,,due to my husband passing and trying to help my sick sister medically. They are an awesome business with employees who really care. My contact person ( whom I won't name due to not wanting to give out any private info on anyone) was absolutely great! She kept me unformed as to what was going on at all times. Sometimes we all ...Show More
Nishisksi C.
Jan 27, 2017
May or may not recommend
Consumer Debt Help was a big help during one of the most stressful and difficult times of my life. The Consumer Debt Help team was helpful, diligent, and very compassionate through out the process. I got the relief and execution steps I needed to stop the financial madness that result from a series of deviating life, medical, and financial misfortunes. I am glad that I found Consumer Debt Help. ...Show More
Carmella E.
Oct 26, 2016
May or may not recommend
Hello my name is Carmella Esarey, I got myself into some debt trouble. I got way in over my head and didn't know what to do. I got online and started looking for help. I thought I was going to have to take out bankruptcy. But, I came across Consumer Debt Help. When I called I was greeted by a friendly voice and almost immediately I felt relieved. They walked ...Show More
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