Debt.com Review [2021]: Can They Really Help With Your Debt?

If you’re struggling with debt, Debt.com might be able to help you find relief. Here’s how to know if they’re the right company for you to work with.
Last updated May 14, 2021 | By Miranda Marquit
Debt.com Review

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One of the biggest stressors that many people feel in their lives is debt. For those trying to figure out how to improve their personal finances and get some degree of debt relief, it can help to know where to turn. But not every debt management or debt relief company out there provides the same level or quality of service. So which should you pick?

Debt.com is a company that purports to help those in debt manage their situations and find relief. Here’s our Debt.com review, so you can get an idea if this company could help you improve your financial situation or even become debt-free.

Quick Summary

Call for a free consultation and learn your options.

  • No upfront fees and no obligations
  • Pay off credit card debt sooner
  • Consolidate debts into one monthly payment
In this Debt.com review

What is Debt.com?

Debt.com was founded in 2013 by Howard Dvorkin and is headquartered in Plantation, Florida. In general, Debt.com focuses on consumers struggling with various types of debt and credit problems. The company claims to have helped more than 500,000 Americans with their debt since 2013, resulting in resolving more than $850 million in debt.

Debt.com offers a variety of educational resources related to paying down debt and improving credit. Additionally, the company can help match you with accredited debt programs designed to help. The company focuses on people who have:

  • Credit card debt
  • Student loan debt
  • Tax debt

Debt.com also offers resources designed to help you repair your credit. They are also very active on social media and post educational videos and content on their Facebook, YouTube, and a variety of additional social media channels. So if you’re trying to figure out how to pay off debt, Debt.com might be able to help in a variety of ways.

How does Debt.com work?

Basically, Debt.com matches people with financial services and resources that can help you manage different types of debt. Depending on the type of debt you have, Debt.com can help you compare different solutions and recommend companies. You might be able to get help with credit counseling, loan consolidation, debt settlement, student loan refinance, and back taxes negotiation.

Debt.com starts with the broad topics that many people struggle with. You can choose to get help with:

  • Credit card debt
  • Student loan debt
  • Back taxes and tax liens
  • Credit problems

Once you choose a topic, Debt.com takes you to an education page that lays out available options. This makes it easy for you to see do-it-yourself solutions for various issues, as well as decide if your situation calls for more help.

It’s important to note that when you decide to use a partner recommended by Debt.com, or if you sign up for a service through Debt.com, they will receive a commission. For the most part, Debt.com makes money through its partner relationships, so be aware that they are getting a kickback when you sign up through them. This is how many comparison shopping and recommendation sites work.

Now let’s look closer at what Debt.com has to offer within each financial area:

Credit card debt

If you have high credit card debt, you can choose that option from Debt.com and you will be taken to a page that explains the differences between credit counseling, debt management, and debt settlement. You will also have the opportunity to explore options like debt consolidation and bankruptcy.

On top of providing you with educational information about your options, you can also see a chart that compares different financial strategies and who they might be best for. You can also access do-it-yourself tools like sample debt negotiation and settlement letters so that you can take care of debt on your own.

Student loan debt

The student loan debt page helps you understand federal relief options, including income-driven repayment, as well as private refinancing. You can also get helping seeing if you qualify for student loan forgiveness.

Tools include helping you see how different income-driven plans compare, and letting you know how to access federal programs. You can also compare whether it makes sense to give up your federal benefits and protections in favor of private refinancing.

Back taxes

Here you can learn about the different options the IRS offers to settle back taxes, including Offer in Compromise (OIC), installment plans, Currently Not Collectible (CNC) status, and innocent spouse relief. You can also get access to tax professionals who can help you review your options and get you to a point where you can stop any liens and garnishments levied against you.

Credit repair

Debt.com could help you learn more about the process of challenging errors on your report and fixing items that are dragging down your score. You can also get referrals to different tools designed to help you monitor your credit and stay on top of the situation.

You can also see a step-by-step comparison of how you can manage credit repair on your own as compared to using services to help you — including the costs involved.

Personal loan offers

You can also look at personal loan offers designed to help you pay off high-interest debt and consolidate it into one loan. Some of the types of debt that can be consolidated with a personal loan through Debt.com include:

  • Debt consolidation (including credit card debt)
  • Special events (like weddings)
  • Baby costs and adoption
  • Moving and relocation
  • Vacation
  • Taxes
  • Vehicle (car, RV, boat, or motorcycle)
  • Auto repair
  • Home improvement
  • Medical or dental
  • Emergency
  • Major purchases

Once you fill out the form, you get matched with lenders willing to work with you and you can compare various rates and terms to find the personal loan that’s right for you.

In addition to providing all these online services and educational resources, it’s also possible to simply call Debt.com and speak with someone who can go over your options and make recommendations. You can connect with professionals and companies that are accredited in their areas as well. Debt.com makes a point of working with accredited companies, particularly for debt management and debt settlement, so that you can feel reasonably confident that you won’t be scammed.

What we like about Debt.com

  • Educational resources: Debt.com offers numerous educational resources on a variety of different debt solutions, as well as many free tools, including a debt calculator and comparison tables. You can learn about your options before deciding on how to proceed.
  • Personal help from a human: You can call the toll free number listed on the website to get help with your situation. Let someone know your situation and you can get a free evaluation and a recommendation for how to move forward.
  • Accreditation: The Better Business Bureau gives Debt.com an A+ rating, and the company is accredited. Additionally, Debt.com recommends accredited partners for its debt management, counseling, and settlement programs.

What Debt.com could improve

  • The website doesn’t always link properly: Sometimes the website doesn’t link to what you’re looking for. You might click on a “get started” button only to be taken to a static page that doesn’t give you many options beyond calling the toll-free number.
  • No mobile app: There isn’t a mobile app, and the website isn’t always responsive, so it can be difficult to check out your options on a smartphone.

What Debt.com customers are saying

It’s important to understand what people are saying about a company before moving forward, and Debt.com in general has good reviews.

The Better Business Bureau gives Debt.com an A+ rating, and Debt.com has been accredited with the BBB since 2015. However, there are no company reviews nor complaints about Debt.com on the BBB site, so it’s hard to get an idea of how customers view the service. Additionally, there are no specific complaints with the Consumer Financial Protection Bureau related to Debt.com, even though credit repair services are generally listed as a high volume of complaints.

On the other hand, Trustpilot has about 136 reviews of Debt.com listed with 65% of them referred to as excellent and 25% as good. This gives Debt.com a rating of 4.5 stars out of 5 on Trustpilot. Only 1% of reviews list Debt.com as bad. Many of the reviews on Trustpilot call out the fact that Debt.com offers resources that clearly explain different options so that consumers know what’s available.

Debt.com customer service

Debt.com offers a toll-free number listed on their website. Specific customer service hours aren’t listed, though. You can also fill out a form on their contact page and ask to receive an email.

FAQs about Debt.com

Is Debt.com legit?

Yes, Debt.com is a legitimate company that can connect you with various services and lenders designed to help you manage several different types of debt.

What are the minimum requirements needed to qualify for Debt.com?

There aren’t any listed minimum requirements for Debt.com. Instead, your situation will be evaluated and you can receive a recommendation for loans or other programs that you’re more likely to qualify for based on your personal finances. Because Debt.com works with a variety of companies, there is no one single type of customer that they serve.

What’s the difference between debt management and debt settlement?

It’s important to understand the difference between debt management vs. debt settlement. For the most part, debt management is about helping you figure out a way to make your payments and take control of your debt situation. It doesn’t usually involve paying less than you owe. Instead, it’s about coming up with a plan to pay off your debt in a way that fits your budget.

Debt settlement, on the other hand, usually refers to negotiating with creditors to pay less than the total you owe. Often, in exchange for a lump sum or an ongoing payment plan that guarantees at least some minimum payment, a creditor will allow you to pay less than you owe when you settle your debt.

Will working with Debt.com hurt my credit score?

Whether or not working with Debt.com will hurt your credit score depends on the actual program you choose. A debt settlement program can indeed hurt your credit score since you usually stop making your payments at the beginning of the program and that will be reflected in your credit report. Additionally, if you decide to get a loan with one of the partners from Debt.com, a hard inquiry as part of the process can impact your credit score.

The idea in both of these cases is that the short-term drop in the score will be worth the long-term financial health you are working to achieve. But every credit score and every financial scenario has the potential to be different.


Bottom line

Debt.com can be a good resource if you’re trying to figure out your options for taking care of your debt and getting your personal finances on track. Debt.com has good explainers that offer insights into different programs and options. Additionally, you can also receive guidance in determining where you can go for help as you move forward.

And since Debt.com offers so many different programs, you can take the time to compare your options and make the smartest move for you.

Tally Benefits

  • Members have an average lifetime savings of $5,300
  • Start down the path to being debt free in under 10 minutes
  • No risk to sign up and it won't hurt your credit score
  • Spend less time managing credit cards

Author Details

Miranda Marquit Miranda Marquit has been covering money for more than a decade and is a nationally-recognized financial expert and journalist, appearing on CNBC, NPR, Forbes, Yahoo! Finance, FOX Business, and numerous other outlets.