Is Debtmerica Relief the right fit for you?
Debt Settlement
2 more
Last Updated: 01/29/2026
SuperMoney User Recommendation Score +82
Strongly recommended11 total votes
Cast Your Vote
Compare All Debt Help
Check to see if you qualify for a free custom quote from Debtmerica Relief.
Enjoy a free consultation from a leading debt expert.
Highlights
Community Rating
Strongly recommended
Minimum Debt Owed
$7,500
Settlement Fee %
18.25% - 25%(Verified 01/29/2026)
Disclaimer popup with additional information
Monthly Service Fee
$0(Verified 01/29/2026)
Disclaimer popup with additional information
Number of Reviews
Debtmerica Relief Review
Debtmerica Relief is a debt settlement company based in Santa Ana, CA. It offers debt relief services to borrowers in 33 states (and Washington, DC). Founded in 2006, it is a well-established company that has been in business for over 10 years.
Key Takeaways
- Low debt minimum. Debtmerica Relief 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. Debtmerica Relief 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. Debtmerica Relief has been in business for 20 years.
- Multipe types of debt settled. Debtmerica Relief settles all types of unsecured debt and business debt. Unsecured debt includes credit card debt, personal loans, and certain types of student loans.
- Available in most states. Debtmerica Relief is available in 33 states, and Washington, DC.
Debtmerica Relief Pros & Cons
| Pros | Cons |
|
Debtmerica Relief FAQ
What does Debtmerica Relief do?
Debtmerica Relief offers debt relief services for the following types of debt:
- Unsecured debt, such as credit card debt, medical debt, and personal loans.
- Business debt.
What does Debtmerica Relief charge?
Debtmerica Relief charges a settlement fee based on the debt handled. Instead of monthly payments or upfront fees, Debtmerica Relief 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.
Debtmerica Relief settlement fees typically range from 18.25% 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 Debtmerica Relief for an accurate quote.
Does Debtmerica Relief offer a guarantee?
Yes, Debtmerica Relief 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 Debtmerica Relief LLC for more details on their guarantee.
What is the minimum debt Debtmerica Relief will consider?
Debtmerica Relief 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 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 Association for Consumer Debt Relief (ACDR) and the International Association of Professional Debt Arbitrators (IAPDA).
- Debtmerica Relief is an accredited ACDR member.
- Debtmerica Relief is an IAPDA member.
Is Debtmerica Relief LLC a legit company?
Debtmerica Relief LLC was founded in 2006, it is a well-established company that has been in business for 20 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.
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: 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 Debtmerica
Hours of Operation
Sunday
Closed
Monday
7:00AM - 5:00PM
Tuesday
7:00AM - 5:00PM
Wednesday
7:00AM - 5:00PM
Thursday
7:00AM - 5:00PM
Friday
7:00AM - 5:00PM
Saturday
Closed
Other Services by Debtmerica Relief LLC
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +82, or 4.6 on a 5-point rating scale.
+82
-1000+100
No one recommends
Everyone recommends
Debtmerica Relief Community Reviews
Would you recommend Debtmerica Relief to your friends?
KJ
Khaila J.
Jan 15, 2021
May or may not recommend
I would recommend Debtmerica because I had a family member who was behind on a couple payments and had racked up about $14,000 in debt. Debtmerica's specialists talked her and me through the steps to help relieve the stress of looming debt and how to control it so it doesn't get anymore bigger. They put her on the plan that was right and comfortable for her and her debt needs ...Show More
EK
Edwin K.
Jan 2, 2021
May or may not recommend
Experience is king in the relief industry,Debtmerica has been in business for 15 years and going.Debt america employees debt resolution specialists trained and accredited by (IAPDA),its a relief having the best people in the field handling your affairs.The icing on the cake is Debtmerica is a member of American Fair Credit Council.
MP
Matt P.
Dec 1, 2020
May or may not recommend
Debtmerica Relief Debt Settlement Companies seeks to find outstanding and negotiate outstand balance with customers. It is a company founded in 2006. With a minimum debt balance requirement of $10,000 assistance can be tad steep but its possible if you have an accumulated amount of outstanding debt for them to help lower. The company does have some complaints online but one can only go by an individual experience with such ...Show More
PB
Paul B.
Oct 23, 2020
May or may not recommend
Thank you for the debt relief package. It was a different experience for me at first and I am glad I chose you.
Thank you for the support, advice and swift response..
A great communication and follow-up.
I will keep recommending you to friends and family.
SD
Sarah D.
Oct 14, 2020
May or may not recommend
Not long ago I needed to consolidate debts and get a lower monthly payment. At first I was skeptical about their service, but their representatives were very forthcoming. The result was they negotiated with some creditors and got better terms. Kudos to the team at Debtmerica for their excellent service.
MD
Michael D.
Apr 22, 2020
May or may not recommend
Just cash for pay off my debts and I would recommend you to everybody Else that i know
U
Anonymous
Dec 28, 2018
May or may not recommend
Better alternative than bankruptcy for sure! Wish I would have found this alternative, but now I understand that this can work for others so I am sharing with them.
Shirley D.
Nov 22, 2018
May or may not recommend
Can't say until II experience this , show me how help me !!!
U
Anonymous
Jun 17, 2015
May or may not recommend
It was a really tough decision paying a company to relieve our debt, but I am glad we decided to do it with Debtmerica. They not only helped us with debt, they also helped us figure out a budget for every month and also helped us get into the habit of putting some money into savings.
Stephanie T.
Apr 2, 2014
May or may not recommend
After being laid off I was going to keep my good credit because potential employers won't hire dead beats. So I paid on my almost $30,000 worth of credit card debit like a good debtor. Well during that time there was a period where the government was trying to decide if they were going to extend unemployment. That lasted about eight weeks. Some happened during that time I could not ...Show More
Omar A.
Oct 10, 2013
May or may not recommend
My consultant was so easy to talk to. He really made it easy for me to talk about the difficult subject like credit. I learned so much! He was very informative and best of all, he save me money, in a very real way. Now I have breathing room, and I didn't have to declare BK! I just wanted to get my credit in order ...Show More
Showing 11 of 11 reviews
3 other reviews that are currently hiddenYou might also like
Best Debt Relief Companies
SuperMoney
Pay Off Your Debt or Save? What Should You Do First?
Eliana Carmona
Don't Get Buried in Student Loan Debt
Julie Bawden-Davis
Good, Bad, and Ugly Debt
Brenda Harjala
Don't Defer, Pay Student Loans Early
Julie Bawden-Davis