Debtmerica Relief
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Debtmerica Relief

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Debtmerica Relief


in Debt Settlement Companies from Debtmerica Relief LLC

SuperMoney Net Recommendation Score +85% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly recommended

11 users recommend
2 users are unsure
0 users don't recommend
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Community Rating Strongly recommended
% of Debt Fee 18.25% - 25%
Minimum Debt Owed $10,000
Number of Reviews 13

Debtmerica Relief Review

Where does Debtmerica Relief do business?

Debtmerica Relief is a debt settlement company based in Santa Ana, CA. It offers debt relief services to borrowers in 27 states (and Washington, DC). Founded in 2006, it is a well-established company that has been in business for over 10 years.

Key takeaways:

  • Minimum debt balance of $10,000. Debtmerica Relief only considers clients who have at least $10,000 in debt. This is a typical requirement for most debt settlement companies.
  • AFCC and IAPDA accredited. Debtmerica Relief is a member of the American Fair Credit Council (AFCC), 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 firm. Debtmerica Relief has been in business for 14 years.
  • Types of debt settled. Debtmerica Relief settles all types of unsecured debt and business debt. Unsecured debt includes credit card debt, personal loans, payday loans, and certain types of student loans.
  • Does not charge a monthly fee. Unlike some debt relief firms, Debtmerica Relief does not charge a consultancy fee for additional services.
  • Only available in some states. Debtmerica Relief is only available in 27 states.
  • Does not service its own debt relief cases. Debtmerica Relief uses a third-party company to service debt settlement accounts.
  • Customer service availability. Debtmerica Relief is closed Saturdays and Sundays, but users can track the progress of their settlement accounts at any time by logging onto their online account. It is strongly recommended by SuperMoney users for its customer service.

Debtmerica Relief Pros and Cons:

Pros Cons
  • No monthly consultancy fee
  • Has IAPDA accredited debt specialists on staff
  • AFCC member
  • Debt relief services only available in 27 states
  • Only considers clients with a minimum debt balance of $10,000

What does Debtmerica Relief do?

Debtmerica Relief offers debt relief services for the following types of debt:

  • Unsecured debt, such as credit card debt, personal loans and medical debt
  • Business debt

What does Debtmerica Relief charge?

Debtmerica Relief operates on a contingency fee basis. Companies operating under a contingency fee model charge fees that are based upon a percentage of the debt at the time the consumer enrolled; occasionally they are based on a percentage of the savings negotiated by the debt-settlement company. Across the industry in general, debt settlement clients typically see a 45% to 60% reduction of their enrolled debt.

Debtmerica Relief charges fees that range from 18.25% of the enrolled debt up to 25% of the enrolled debt, depending on the amount of enrolled debt provided.

Debt relief service pricing / costs can vary greatly from one client to another so it's best to speak to Debtmerica Relief directly to determine an accurate quote.

Does Debtmerica Relief offer a guarantee?

Yes, Debtmerica Relief does advertise a money back guarantee. Money back guarantees in the debt settlement industry typically state you won't be charged any fees until your debts are settled. However, charging upfront fees is illegal in the debt settlement industry anyway. Check with {partent busines} for more details on their guarantee.

What is the minimum debt Debtmerica Relief will consider?

Debtmerica Relief will only consider customers with 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 Debtmerica Relief perform its own servicing in-house?

No, Debtmerica Relief partners with third party service providers who negotiate on behalf of the clients they enroll.

What accreditations does Debtmerica Relief have?

The two main trade associations in the debt relief services space are the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA).

  • Debtmerica Relief is an accredited AFCC member.
  • Debtmerica Relief is an IAPDA member.

DEBTMERICA RELIEF Disclosure: * Clients that are able to make the monthly program payments generally experience a 50% reduction of their enrolled balance before fees, or approximately a 29% reduction after payment of fees over a 24-48 month period. Individual results may vary based on ability to save sufficient funds and complete the program, the creditors in your individual portfolio, and amount of debt enrolled. Statements made are examples of past performance and are not intended to be a guarantee that your debt balances will be lowered by a specific amount or percentage, that you will be debt free within a specific time period, or a guarantee of future settlement results. Debtmerica, LLC is a front-end service provider and you will be enrolled in one of its affiliate’s debt settlement programs, in accordance with the program’s qualification requirements. If you are enrolled in one of Debtmerica, LLC’s, affiliate’s performance based programs, Debtmerica, LLC and/or its affiliate will not receive any fees until the terms of your debt have been altered with one or more of your creditors. However, if you are enrolled in one of Debtmerica, LLC’s, affiliate’s attorney-based debt settlement programs, then Debtmerica, LLC and/or its affiliate may receive fees prior to any settlement being obtained with a creditor. While our programs work aggressively to reduce your debt balances, creditors are under no contractual obligation to negotiate or accept settlement offers. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice and we do not provide credit repair services. Please contact a tax professional to discuss tax consequences of debt settlement.
SUPERMONEY Disclosure: 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...


Message from Debtmerica Relief LLC

The Debtmerica Relief team has had one vision since inception – to help Americans nationwide attain financial independence.

Hours of Operation

Pacific Time
  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

About Debtmerica Relief


  Available in 27 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Delaware
  • Washington, DC
  • Florida
  • Idaho
  • Indiana
  • Iowa
  • Louisiana
  • Maryland
  • Massachusetts
  • Michigan
  • Mississippi
  • Missouri
  • Nebraska
  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • Pennsylvania
  • South Dakota
  • Texas
  • Utah
  • Virginia
  • Wisconsin

Feature Breakdown

Money Back Guarantee  
Monthly Fee $0
No Monthly Consultancy Fee  
% of Debt Fee 18.25% - 25%
Debt Type
  • Unsecured Debt
  • Business Debt
Minimum Debt Owed $10,000
AFCC Member  
Contingency Model  
Free Consultation  
IAPDA Member  

Debtmerica Relief Community Reviews


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