USAvsDebt Overview

USAvsDEBT-Holdings, LLC, commonly referred to as USAvsDebt or USA vs Debt, is a Texas-based business that offers debt reduction services as well as student loan consolidation and credit restoration. The company is a certified member of the International Association of Professional Debt Arbitrators (IAPDA) and has an A+ rating from the BBB.

USA vs Debt provides debt settlement services in the following states and district: Alabama, Alaska, Arizona, Arkansas, California, District of Columbia, Florida, Massachusetts, Michigan, Nebraska, New Mexico, New York, North Carolina, Oklahoma, Texas, and Virginia.

What Type Of Debt Relief Services Does USAvsDebt Offer?

USAvsDebt provides debt negotiation and settlement services for unsecured debt and business debt. This type of debt commonly comes from credit cards, medical loans, and personal loans. The company works to set customers up on a monthly payment plan that fits their budget to pay the settled amount.

How Does USAvsDebt Work?

Interested individuals can receive a free consultation where one of the company’s debt settlement analysts determines the specifics of the case. The company’s negotiators then work with creditors on a client’s behalf to reduce the amount of debt owed and set up a reasonable repayment plan.

How long the debt settlement process will take varies from client to client based on the case and the client’s own ability to fund the debt resolution. In general, USAvsDebt offers 24-month and 36-month program options and cannot guarantee that all creditors will agree to a reduced settlement.

How Much Do the Services Cost for USAvsDebt?

USAvsDebt offers a free initial consultation. The fees for each debt settlement case can vary based on the complexity of the case so, after discussing the specifics of your situation, a free quote will be provided. USAvsDebt doesn’t collect a fee until your debt is settled. USAvsDebt typically charges 25% of the debt enrolled.

What Is the Minimum Debt USAvsDebt Will Consider?

USAvsDebt considers individuals with a minimum debt of $10,000.

How Is USAvsDebt Better Than Other Debt Settlement Companies?

As a certified member of the International Association of Professional Debt Arbitrators (IAPDA), USA vs Debt offers debt negotiation and resolution services to help clients avoid bankruptcy and debt consolidation. The company works with debtors in all stages of collection and performs a thorough analysis of an individual’s cash flow and debts to determine what customized program is optimal. The company has settled millions of dollars of consumer debt and also offers credit restoration and student loan consolidation.

  • Minimum Debt Owed
  • Debt Type
    • Unsecured Debt
    • Business Debt
  • % of Debt Fee
    Starting at 25%
  • Money Back Guarantee
  • No Monthly Consultancy Fee
  • Pricing Model
    • Contingency Fee (% of enrolled debt)
    • Contingency Fee (% of savings)
  • Contingency Model
  • Free Consultation
  • IAPDA Member
  • In-House Servicing
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This is a one person shop run by Valerie Edwards. The operation has questionable business practices and Valerie is untrustworthy.

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