DebtWave Debt Settlement
in Debt Settlement Companies from DebtWave Credit Counseling Inc.
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DebtWave Debt Settlement

in Debt Settlement Companies from DebtWave Credit Counseling Inc.
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Not enough votes for recommendation

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DebtWave Debt Settlement Review

DebtWave Debt Settlement is a debt settlement company based in San Diego, CA. It offers debt relief services to borrowers in state across the USA. Founded in 2001, it is a well-established firm that has been in business for over 20 years.

Key Takeaways

  • Minimum debt balance of $10,000. DebtWave Debt Settlement 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 AFCC or the IAPDA. DebtWave Debt Settlement is not a member of the American Fair Credit Council (AFCC), 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 firm. DebtWave Debt Settlement has been in business for 22 years.
  • Only available in some states. DebtWave Debt Settlement is only available in states.
  • Does not service its own debt relief cases. DebtWave Debt Settlement uses a third-party company to service debt settlement accounts.
  • Customer service availability. DebtWave Credit Counseling Inc. Users can track the progress of their settlement accounts at any time by logging onto their online account.

DebtWave Debt Settlement Pros & Cons

Pros Cons
  • Lower than average fees
  • No monthly consultancy fee
  • Is not an AFCC member
  • Does not have IAPDA accredited debt specialists
  • Only considers clients with a minimum debt balance of $10,000

DebtWave Debt Settlement FAQ

What does DebtWave Debt Settlement do?

DebtWave Debt Settlement offers debt relief services for the following types of debt:

  • Unsecured debt, such as credit card debt and personal loans.

What does DebtWave Debt Settlement charge?

DebtWave Debt Settlement charges fees that range from 15% of the enrolled debt up to 20% 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 DebtWave Debt Settlement directly to determine an accurate quote.

Does DebtWave Debt Settlement offer a guarantee?

No, DebtWave Debt Settlement 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 DebtWave Debt Settlement will consider?

DebtWave Debt Settlement 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 DebtWave Debt Settlement perform its own servicing in-house?

No, DebtWave Debt Settlement partners with third party service providers who negotiate on behalf of the clients they enroll.

What accreditations does DebtWave Debt Settlement 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).

  • DebtWave Debt Settlement is not an accredited AFCC member.
  • DebtWave Debt Settlement is not an IAPDA member.

Is DebtWave Credit Counseling Inc. a legit company?

DebtWave Credit Counseling Inc. was founded in 2001, it is a well-established company that has been in business for 22 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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Message From DebtWave Debt Settlement

Our goal is to help you pay off your debt and learn the basics of personal finance, so you’re financially empowered by the time you graduate our program.


Hours of Operation

Pacific Time
  • Sunday Closed
  • Monday 7:00am - 6:00pm
  • Tuesday 7:00am - 6:00pm
  • Wednesday 7:00am - 6:00pm
  • Thursday 7:00am - 6:00pm
  • Friday 7:00am - 6:00pm
  • Saturday Closed

Other Services by DebtWave Credit Counseling Inc.

Feature Breakdown

Pricing Model Contingency Fee (% of enrolled debt)
Monthly Fee $0
% of Debt Fee 15% - 20%
Minimum Debt Owed $10,000
Program Length 36 - 60

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