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DebtBye Reviews


bestfor-icon Work with qualified debt advisors

Written by Angela Mae

About DebtBye | Read More


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  • (805) 600-3675
  • Headquarters: LMB Associates, LLC 5737 Kanan Road #517 Agoura Hills, CA 91301
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DebtBye Debt Relief Review

As a marketplace, DebtBye helps individuals get a better handle on their debts by pairing them with one of their network partners. These partners have their own terms, conditions, and eligibility requirements. However, most people who use DebtBye have high-interest loans or credit cards or are trapped in a cycle of debt.

When you go through DebtBye, you are not required to use any of their network of partners’ services. The marketplace is also free as DebtBye makes its money when you decide to work with a specific debt specialist or lender.

DebtBye Debt Relief Highlight


Minimum Debt Amount

Max $50K

Loan Amount

2 - 72 months

Repayment terms


Soft Credit Pull


Lender Type


Other Fees


Origination Fee


Prepayment Fee

Pros & Cons

  • con-icon Free consultation with experts
  • con-icon The ability to seek options from dozens of lenders through one simple application process
  • con-icon No minimum amount required to obtain a quote
  • con-icon No upfront fees
  • con-icon No obligation to proceed with a lender
  • con-icon The number of lenders varies by region and type of debt
  • con-icon Credit score could be impacted through multiple pulls
  • con-icon Some services are not available in all states
  • con-icon DebtBye may share your information with unwanted third parties

Debt Relief Product Types

  • Debt relief consultation service
  • Debt consolidation loans

DebtBye Debt Relief Terms & Requirements

Since DebtBye is an online marketplace, the exact terms and requirements for debt relief or consolidation depend on the specific service provider. That said, certain general requirements tend to apply. For example, you’ll need to be a legal resident or citizen of the United States. You’ll also need to be at least 18 years of age (or the age of majority in your state) and have a bank account (checking or savings). Finally, you’ll need to give DebtBye permission to collect and share certain information with their partners.

How to Apply

DebtBye’s application process is straightforward. To begin, indicate how much debt you have (in a range) and click “Continue.” Next, you will be asked to fill out basic information, such as:

  • Where the highest amount of your debt is coming from
  • General contact information
  • Address and zip
  • Your Social Security Number
  • Credit score
  • How long you’ve lived at your current address
  • Your main income source and the monthly amount
  • Whether you can pay at least $250 a month

Once you fill out this information, click “Submit” to agree to the terms and conditions. DebtBye will then share your information with its partners. From there, you’ll be connected with a debt specialist who can help you complete the next steps to finding debt relief.

Qualification Requirements

  • 18+ years of age
  • Legal resident or citizen of the U.S.
  • Have an active bank account

Required Information

To find debt relief services, start by filling out a brief online application on DebtBye’s main website. Once you’ve done this, the company will run a soft inquiry into your credit report.
The required information includes your:

  • Full name
  • Current address
  • Date of birth
  • Proof of identity (no documents required)
  • Driver’s license number
  • Phone number
  • Approximate credit score
  • Social Security number
  • Bank account (primary account must be checking or savings)
  • Source of income (and monthly amount)

Application Steps & Time Frames

  • It takes 5 to 10 minutes to complete DebtBye’s online application.
  • After completing the application, you’ll receive a phone call, text message, or email from one of their lending partners. The time frame depends on the service provider.

State Availability

- Available in all states

Written by Angela Mae

Angela Mae is a personal finance writer specializing in loans, debt management, investing, retirement planning, and financial literacy. She comes from a journalistic background and pulls from hands-on experience and deep-dive research to breathe life into her stories. Her goal is to help others achieve financial stability and independence. When not writing, she can be found traveling, honing her yoga skills, hiking, or exploring new means of healthy, sustainable living.



When can I see the exact terms offered by the lenders?

You’ll need to submit an online application with DebtBye before you can see the potential terms or conditions.

Does DebtBye require users to have a minimum amount of debt?

No. You can indicate debt ranging from $0 to $50,000+ on DebtBye’s website. However, certain service providers on the platform may only work with people with a certain amount of debt.

Does the application process involve a soft credit inquiry?

When you apply, LMB Associates, LLC (which operates DebtBye) will perform a soft inquiry. This will not affect your credit. Applying for a specific service or loan product may require a hard inquiry, which could bring down your score by a few points.

Customer Support

Similar to some other marketplace lenders, DebtBye doesn’t have a dedicated customer support or contact us page. They do have a phone number and physical address, however.

Privacy & Security

On DebtBye’s Terms of Service page, there’s a “Privacy” section that outlines the ways in which the company collects, uses, shares, and protects user information. The company uses a modern encryption system to keep confidential data safe from unauthorized users or scammers. For example, the main website uses AWS Cloud Computing (by Amazon) and a 256-bit SSL technology to secure data.

DebtBye doesn’t guarantee the privacy of information, however. They are also not liable for third-parties that might gain access to that information. DebtBye goes on to say that sharing sensitive information comes with certain risks, which is standard when it comes to direct lenders and online marketplaces.

In terms of the information they collect, DebtBye collects the same type of details as most online marketplaces. This includes things like general contact information, driver’s license number, employment details, SSN, banking and income information, and credit history data. The company also collects certain details about the user’s key demographic, browser type, and other analytical data.

DebtBye may supply its partners or affiliates with some of this information for the sake of providing requested products and services to the consumer. They may also use it to personalize the user’s experience or to communicate with them.

As a marketplace, DebtBye is not responsible for how its partners use customer data. However, the company works with largely reputable lenders.

In Conclusion

If you’re looking for a general marketplace where you can compare different options for debt relief, DebtBye could be a good choice for you. They claim to offer a free consultation, though it’s difficult to find much information about that. On the plus side, they do not obligate you to accept any terms offered by a potential lender or financial service provider. The downside is that they will share your contact information with third-party providers in their network. These companies may contact you often.

Brand Disclaimer

Important Disclaimer: The operator of this website is not a debt specialist, lender, financial institution, loan broker or an agent of a debt specialist, lender, financial institution or loan broker. This website collects personal information provided by you and uses that information to connect you to a third party debt specialists, lenders and non-lenders in our network. Your information may be shared with non-lenders or other intermediary service providers to help connect you with a debt specialist or lender. This website provides its services to you free of charge but may receive payment from debt specialists, lenders and non-lenders for referring a lead to them.

Debt Solutions Disclaimer: Please note that all calls may be recorded or monitored for quality assurance and training purposes. By submitting your information on this website, you agree to be contacted by a debt specialist in DebtBye.online’s network via phone call, text message, and/or email. Each debt specialist partner will provide a proposal for debt negotiation services and may charge a fee for their service. Results may vary based on ability to save funds, complete all program terms and willingness of creditors to renegotiate. Debt settlement is a negotiation process and therefore it is not possible to predict exact savings. Anyone considering bankruptcy should contact a bankruptcy attorney. DebtBye does not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. DebtBye.com does not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Please contact a tax professional to discuss tax consequences of settlement. Read and understand all program materials prior to enrollment, including potential adverse impact of credit rating. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements obtained on your behalf resolve the entire account, including all accrued fees and interests. This service is not available in all states.