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  USAvsDebt

USAvsDebt

in Debt Settlement Companies from USAvsDebt Inc.

Unaffiliated

USAvsDebt

Unaffiliated

in Debt Settlement Companies from USAvsDebt Inc.

SuperMoney Net Recommendation Score +33%

SUPERMONEY NET RECOMMENDATION SCORE

+33%

-100% 0% +100%
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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.

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6 users recommend
0 users are unsure
3 users don't recommend
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Highlights
Highlights
Community Rating Mostly recommended
% of Debt Fee Starting at 25%
Minimum Debt Owed $10,000
Number of Reviews 9

USAvsDebt Review

Where does USAvsDebt do business?

USAvsDebt is a debt settlement company based in Dallas, TX. It offers debt relief services to borrowers in 15 states (and Washington, DC). Founded in 2005, it is a well-established company that has been in business for over 10 years.

Key takeaways:

  • Minimum debt balance of $10,000. USAvsDebt only considers clients who have at least $10,000 in debt. This is a typical requirement for most debt settlement companies.
  • IAPDA accredited. USAvsDebt invests in the training and accreditation of its debt resolution specialists by the International Association of Professional Debt Arbitrators (IAPDA). However, it's not a member of the American Fair Credit Council (AFCC), the debt settlement industry's major trade association.
  • Not accredited by the AFCC or the IAPDA. USAvsDebt 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. USAvsDebt has been in business for 15 years.
  • Types of debt settled. USAvsDebt 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, USAvsDebt does not charge a consultancy fee for additional services.
  • Only available in some states. USAvsDebt is only available in 15 states.
  • Offers in-house debt relief services. Some debt settlement companies act as intermediaries for larger firms. This company uses its own staff to handle debt settlement accounts.

USAvsDebt Pros and Cons:

Pros Cons
  • No monthly consultancy fee
  • Has IAPDA accredited debt specialists on staff
  • Is not an AFCC member
  • Debt relief services only available in 15 states
  • Only considers clients with a minimum debt balance of $10,000

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 charges fees that range from 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 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 USAvsDebt will consider?

USAvsDebt 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 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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Contact

  • Headquarters
  •   1717 McKinney Avenue Suite 700
    Dallas, TX 75202 USA
  •   Visit Site

Hours of Operation

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

About USAvsDebt

Availability

  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

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

USAvsDebt Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

+33%

-100% 0% +100%
No one recommends Everyone recommends

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.

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