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Debt.com Reviews


bestfor-icon Different Methods of Debt Relief

Written by Lauren Le-Hair

About Debt.com | Read More


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  • admin@debt.com
  • (844) 402-3992
  • Headquarters: 5769 W. Sunrise Blvd, Plantation, FL 33313
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Debt.com Debt Relief Review

Debt.com works by understanding your specific debt position and matching you with financial services companies that offer a solution to your needs. Debt.com’s marketplace specifically targets people who need help with credit card debt, student loan debt, tax debt, and credit repair. The company works with a vast network of reputable businesses that provide expertise in these areas. Yet, the company also recommends financial companies that can help and offer valuable solutions to your debt problems. Ultimately, Debt.com is an excellent choice for people who want to compare multiple quotes from companies offering debt relief loans.

The table below contains details of the debt relief service offered through Debt.com. As Debt.com is a marketplace lender, each individual lender has different terms and conditions. This has led to many instances where you will have to go through the pre-qualification process to establish the final details associated with the loans. Items such as amount limits, repayment terms, APR, and fees vary from lender to lender.

Debt.com Debt Relief Highlight


Min Credit Score


Minimum Debt Amount


Repayment terms


Soft Credit Pull


Lender Type


Other Fees

Varies by individual lender

Origination Fee

Varies by individual lender

Prepayment Fee


Funding Time

Pros & Cons

  • con-icon Free consultation and budget analysis to find the right solutions
  • con-icon Large network of trustworthy lenders and debt solution partners
  • con-icon Debt solutions are personalized for your specific financial situation
  • con-icon A+ accreditation from BBB
  • con-icon Offer a debt calculator, education blog, and other resources
  • con-icon Not available in all 50 states
  • con-icon Not guaranteed to decrease debt
  • con-icon No information available on their website about their partners

Debt Relief Product Types

  • Debt relief consultation service
  • Debt consolidation loans

Debt.com Debt Relief Terms & Requirements

Debt.com is a marketplace lender, meaning the company partners with many individual lenders who provide different types of debt relief services. Each lender has different terms and requirements, so you will have to refer to each lender’s terms after the pre-qualification process. However, all individual partners of Debt.com will require the following information:

  • Details of your verifiable income
  • Full details of your financial profile, including
  • Income
  • Debt ratio
  • Estimated credit score
  • Full details of all debts held, including amounts and terms

In addition, you will need to be a US citizen or permanent resident to be eligible for financial help through Debt.com.
Debt.com offers a comparison tool for multiple types of debt relief, including:

  • Credit card debt
  • Student loan debt
  • Back taxes
  • Credit repair
  • Debt collections
  • Bankruptcy
  • Credit monitoring

How to Apply

Debt.com’s website is packed with a considerable amount of information, but applying for debt relief is still very simple. We started by visiting the Debt.com homepage and selecting the amount we owed on the slider to proceed.

We then had to select what our current payment status was, with the options being:

  • Current and/or struggling
  • Behind less than 6 months
  • More than 6 months behind

We then entered our zip code, after which Debt.com stated that they had a solution for us, and we had to enter some personal details.

We were then matched with a trusted provider that specializes in credit card debt. We received a follow-up call within 10 minutes and spoke with a credit card debt expert who was able to talk us through our options.

The process was speedy, and we were impressed with how smooth the interaction was. The only downside was that we did not have visibility of which company would be arranging a call back with us.

Required Information

You will need to input the following information to use Debt.com’s marketplace services and for the company to match you with an appropriate company.

  • Name
  • Email address
  • Phone Number

This data was enough to start the process and get a call back from a company suited to our needs. Yet, when we were in touch with the lending company, we needed to provide more information, listed below.

  • Name
  • Address
  • Date of birth
  • Social Security Number
  • Phone number
  • Email address
  • Monthly income details and proof of income (e.g., pay stub, W-2 form)
  • Bank statements
  • Employment history
  • Details of your current housing situation
  • Full details of all loans
  • Creditor statements

Application Steps & Time Frames

The application process on Debt.com took less than 2 minutes to complete. We then had to wait less than 30 minutes for a call back to speak with a debt relief expert. The process was swift and easy.

State Availability

- Available in all states

Written by Lauren Le-Hair linkedin-icon

As an experienced content writer, Lauren's passion for the finance sector is only exceeded by her love of writing. With years of experience writing for financial websites, she has honed her expertise and developed a deep understanding of the industry. Lauren specializes in delivering top-quality, specialized content with an expert tone of voice and a unique flair, leveraging her extensive knowledge and expertise. In addition, she holds a First Class Bachelor's degree from Staffordshire University.



How does Debt.com work?

Debt.com works by understanding your specific debt position and matching you with financial services companies that offer a solution to your needs. The solution will be in the form of a third party you can choose to work with after being recommended by Debt.com.

Is Debt.com a legit, safe site?

Absolutely. Debt.com has an A+ rating from the Better Business Bureau and has received thousands of online reviews confirming its legitimacy.

Will my credit score be worse if I use Debt.com?

It depends on what debt relief solution you choose to pursue. Some debt relief options, such as debt settlement, will adversely affect your credit score. Yet many other debt solutions recommended may not impact your credit score.

Customer Support

Customer service is one of the areas where Debt.com stands apart from the competition. You can reach the Debt.com support team via online form, email, phone call, or live chat. When users contact Debt.com, it is often during a time of heightened emotion. Therefore, Debt.com’s customer support staff are trained to be helpful and empathetic.

We contacted Debt.com customer support by online form and received a call back within one hour of submitting the form. The customer care agent that called us back was friendly and eager to help, with an in-depth knowledge of different types of debt relief.

Privacy & Security

Debt.com has an A+ with the BBB and has facilitated over $850 million in debt resolution since 2013. The company only works with reputable lenders who are required to adhere to their Code of Ethics. This includes maintaining the appropriate licenses and permits as a lender, charging fees allowed by law, and safeguarding private and confidential personal and financial information.

In Conclusion

Overall, Debt.com is a credible and trustworthy option to turn to when you are facing mounting debt. The company’s marketplace provides support for many different types of debt. In addition, its website is a great educational tool for the different types of debt relief available. We recommend visiting Debt.com if you are looking for debt relief to see if any of its partner companies can help to provide a solution.

Brand Disclaimer

The information, software, products, and services included in or available through the debt.Com website may contain inaccuracies or typographical errors. Changes are periodically added to the information herein. Debt.Com and/or its suppliers may make improvements and/or changes to the debt.Com website at any time. Advice received via the debt.Com website should not be relied upon for personal, medical, legal, or financial decisions. You should consult an appropriate professional for specific advice tailored to your situation.

Debt.Com and/or its suppliers make no representations about the suitability, reliability, availability, timeliness, and accuracy of the information, software, products, services, and related graphics contained on or available through the debt.Com website for any purpose. To the maximum extent permitted by applicable law, all such information, software, products, services, and related graphics are provided “as is” without warranty or condition of any kind. Debt.Com and/or its suppliers now disclaim all warranties and conditions concerning this information, software, products, services, and related graphics, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title, and non-infringement.