Is Debt.com the right fit for you?
Debt Settlement
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Last Updated: 03/06/2026
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Highlights
Minimum Debt Owed
$10,000
Settlement Fee %
15% - 25%(Verified 06/21/2024)
Debt.com Review
Debt.com is a debt settlement company based in , . It offers debt relief services to borrowers in 19 states (and Washington, DC). Founded in 2013, it is a well-established company that has been in business for over 10 years.
Key Takeaways
- Minimum debt balance of $10,000. Debt.com only considers clients who have at least $10,000 in debt. This is a typical requirement for most debt settlement companies.
- Not accredited by the ACDR or the IAPDA. Debt.com is not a member of the Association for Consumer Debt Relief (ACDR), which is the major trade association for the debt settlement industry. Furthermore, it does not invest in the accreditation of its debt resolution specialists by the International Association of Professional Debt Arbitrators (IAPDA) either.
- Well-established company. Debt.com has been in business for 13 years.
- Only considers unsecured debts. Debt.com will only settle unsecured debts. These include credit card accounts and personal loans.
- Only available in some states. Debt.com is only available in 19 states, and Washington, DC.
Debt.com Pros & Cons
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Debt.com FAQ
What does Debt.com do?
Debt.com offers debt relief services for the following types of debt:
- Unsecured debt, such as credit card debt, medical debt, and personal loans.
What does Debt.com charge?
Debt.com settlement fees typically range from 15% of the enrolled debt up to 25% of the enrolled debt, depending on state regulations.
Debt relief fees and settlement terms can vary based on your state and individual circumstances, so it’s best to speak directly with Debt.com for an accurate quote.
Does Debt.com offer a guarantee?
No, Debt.com does not have a money back guarantee. Some debt settlement companies advertise a money-back guarantee that typically states you won't be charged until your debt is settled. However, it is illegal for debt settlement companies to charge upfront fees before an account is settled. So these guarantees offer little added value to consumers.What is the minimum debt Debt.com will consider?
Debt.com is recommended for customers with an unsecured debt of $10,000 or more. Customers with less than $10,000 of unsecured debt may benefit from a debt consolidation loan or credit counseling services.Does Debt.com perform its own servicing in-house?
No, Debt.com partners with third party service providers who negotiate on behalf of the clients they enroll.
What accreditations does Debt.com 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).
- Debt.com is not an accredited ACDR member.
- Debt.com is not an IAPDA member.
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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.
Contact
Hours of Operation
SundayClosedMonday8:00AM - 10:00PMTuesday8:00AM - 10:00PMWednesday8:00AM - 10:00PMThursday8:00AM - 10:00PMFriday8:00AM - 8:00PMSaturday9:00AM - 5:00PM
Other Services by Debt.com
Availability
Available in 19 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- District of Columbia
- Florida
- Indiana
- Maryland
- Massachusetts
- Michigan
- Montana
- Nebraska
- New Mexico
- New York
- North Carolina
- Oklahoma
- South Dakota
- Texas
- Wisconsin
SuperMoney Net Recommendation Score
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