Consumer Debt Help Association is a debt resolution and financial services company based Delray Beach, Florida. The company was formed in 2009 by Timothy Cerruti, who is still the CEO. Cerruti used to work as a manager for a mortgage company before founding CDH. During the housing market crash of 2008, he saw first hand that consumers needed professional help with their debt problems. The debt settlement industry was charging upfront fees to customers that were hurting instead of helping debtors. When he launched Consumer Debt Help, he did not charge upfront fees. Now, all debt relief firms have this policy because it is a legal requirement, but CDH has been doing it since the beginning. 

CustomConsumer Debt Help is a BBB accredited business with an A+. All of Consumer Debt Help Association, or CDH, debt mediators are certified by the International Association of Professional Debt Arbitrators, IAPDA. Consumer Debt Help is also a member of the American Fair Credit Council, AFCC. 

In 2015, CDH settled $7.8 million and saved its clients $4.3 million. During that year, it settled 1,531 accounts. Not bad for a company with only 13 employees. 

What Type of Debt Relief Services Does Consumer Debt Help Association Offer?

Consumer Debt Help offers nationwide debt settlement and debt consulting services. CDH will work with all types of unsecured debt, which includes any loan that is not secured by a lien or collateral. Unsecured loans include medical bills, lines of credit, personal loans, repossessed cars, and even unpaid balances on foreclosures.

How Does Consumer Debt Help Association Work?

Consumer Debt Help Association’s debt resolution program is an alternative to bankruptcy for consumers who can’t afford to pay delinquent accounts in full. As with most debt relief companies, CDH asks its clients to stop making payments to their creditors. Instead, clients are to make monthly payments to a settlement account. Consumer Debt Help then uses the funds in the settlement account to negotiate a reduced payment with creditors.

The savings obtained by CDH’s settlement services vary from case to case. Since 2012, the average settlement has been 36% of the initial account balance without including CDH's fee. 

Debtors must be able to make monthly payments into the settlement account to qualify for CDH’s debt settlement program. However, CDH does not penalize debtors who fall behind in their monthly contributions to the settlement account. The more money clients can deposit, the faster the debt is settled. The monthly deposits are generally arranged to be lower than the previous monthly loan payments so that clients can afford them. According to CDH, only 8.5% of clients drop out of the debt relief program, and 9 out of 10 of those that drop out do it in the first three months.

Debt settlements generally take 12 to 40 months to process. The average time of completion is 26 months.

How Much Do Consumer Debt Help Association's Services Cost?

Consumer Debt Help never charges more than 15% of the original debt. Some states have a lower cap on debt settlement fees, which CDH adheres to. CDH only charges a fee when an account has been settled. In other words, there are no upfront fees.

What Is the Minimum Debt Consumer Debt Help Association Will Consider?

Consumer Debt Help Association will provide consulting services for all levels of debt. However, its debt settlement services are usually for debt amounts of over $7,500. CDH will consider debt accounts as low as $500 in cases where it makes financial sense for the customer.

How Is Consumer Debt Help Association Better Than Other Debt Settlement Companies?

Consumer Debt Help Association provides the following advantages:

- Its debt mediators are certified by the International Association of Professional Debt Arbitrators, IAPDA.

- It is a BBB accredited business with an A+ Rating

- New clients get a complimentary consultation.

- No upfront charges

- Consumer Debt Help Association is certified by the American Fair Credit Council. The AFCC is the only association in the debt settlement industry that enforces industry best practices and protects the interests of debt settlement customers.

On the other hand:

- Consumer Debt Help is not available in all states. 

- CDH is a smaller company with just 13 employees.



  • AFCC Member
  • IAPDA Member
  • Debt Reduced Fee
    30% - 60%
  • Money Back Guarantee
  • No Monthly Consultancy Fee
  • Min Debt Owed
  • Debt Type
    Unsecured Debt
  • Contingency Model
  • Free Consultation
  • In-House Servicing
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0 votes

I just wanted to reach out to give my review. It happens often that good things go unnoticed but I want to make an effort of awarding and recognizing something that did fantastic at eliminating and lifting this huge weight of debt off my shoulders. Long story short husband and I had multiple cards that we used for our wedding had most paid off within the following year, but after giving birth to our son a year after the wedding we used them again to cover costs and bills while ... I was out of work .trying to go back to our hectic work lives we realized we didn't have dependable care for him So as a mother I decided to cut back working and tend to his needs. Then the financial debt shows its ugly face. We no longer could afford to pay all our credit cards and loans and struggled for months until finally after a long time digging and searching I found consumer debt help LLC (through BBB) fast forward two years in officially out of the financial strife I was living in before and we are looking to relocate and purchase a home. I recommend them to anyone who mentions being in debt. Thank you so much!!!

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0 votes

My experience with Consumer Debt Help has been wonderful. They were very professional and helpful with clearing up my debt. They set expectations at the beginning and were able to hold to their commitments throughout the process.If you need to get some help with debt, I would highly recommend using Consumer Debt Help, and in fact I have referred one friend already.


0 votes

This company was such a wonderful company. They negotiated and provided me with a reasonable monthly amount. I had an experience with another company previously and will tell you that the comparison is night and day. I highly recommend this company and do appreciate how quickly it was to pay off the debts I had. Thank you so much for all your help. Maria Duron

0 votes

CDHA has truly been an awesome company to work with in helping me decrease my debt efficiently and effectively. I completed the program within 2 years and once complete, I noticed that my credit was not damaged as bad as I originally thought. The customer service support was truly a support system. They constantly inquired on how I was doing and if I had any questions. They would send emails to keep me informed on my creditors they were negotiating with. Once the negotiation was ... complete, I knew exactly how much and when that creditor would be paid off. I would highly recommend this company because they definitely put their client’s interest at heart. More Less

0 votes

Due to an unfortunate circumstance, I racked up my credit card debt pretty high. I attempted to negotiate with the companies, but they would not listen or help me. I took a chance on Consumer Debt Help Association and within two years, I am debt free.

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