in Debt Settlement Firms

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Where does USAvsDebt do business?

USAvsDebt is a debt settlement company based in Dallas, TX. The company was founded in 2005 and offers debt relief services to borrowers in 15 states (and Washington, DC).

What does USAvsDebt do?

USAvsDebt 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 USAvsDebt charge?

USAvsDebt 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. USAvsDebt's fees start at 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 USAvsDebt directly to determine an accurate quote.

Does USAvsDebt offer a guarantee?

Yes, USAvsDebt offers a money back guarantee. Visit their website for more details.

What is the minimum debt USAvsDebt will consider?

USAvsDebt will only consider customers with unsecured debt of $10000 or more. Customers with less than $10000 of unsecured debt may benefit from a debt consolidation loan or credit counseling services.

Does USAvsDebt perform its own servicing in-house?

Yes, USAvsDebt employs its own in-house servicing staff who manage the process and negotiate settlements on behalf of their customers.

What accreditations does USAvsDebt 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).

  • USAvsDebt is not an accredited AFCC member.
  • USAvsDebt is an IAPDA member.
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    • Headquarters
    •   1717 McKinney Avenue Suite 700
      Dallas, TX 75202 USA
    •   Visit Site


    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 15 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Washington, DC
    • Florida
    • Massachusetts
    • Michigan
    • Nebraska
    • New Mexico
    • New York
    • North Carolina
    • Oklahoma
    • Texas
    • Virginia

    Feature Breakdown

    % of Debt Fee
    Starting at
    Money Back Guarantee
    No Monthly Consultancy Fee
    Pricing Model
    • Contingency Fee (% of enrolled debt)
    Minimum Debt Owed
    Debt Type
    • Unsecured Debt
    • Business Debt
    In-House Servicing
    Contingency Model
    IAPDA Member
    Free Consultation



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