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Debtmerica Reviews


bestfor-icon Highly Efficient for Unsecured Debt

Written by Angela Mae

About Debtmerica | Read More


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  • customercare@debtmerica.com
  • (800) 470-8155
  • Headquarters: Debtmerica, LLC Attn: Customer Care 3100 S. Harbor Blvd., Suite 250 Santa Ana, CA 92704
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Debtmerica Debt Relief Review

Debtmerica offers debt settlement services for people with debts (mostly unsecured debt) of at least $10,000. In most cases, customers who successfully complete the program end up paying off their remaining debts within two to four years. They also end up on a better path to financial stability and often avoid personal bankruptcy.

Debtmerica Debt Relief Highlight


Min Credit Score


Minimum Debt Amount

4 - 6 months

Repayment terms


Soft Credit Pull


Lender Type


Other Fees

20% - 24%

Origination Fee


Prepayment Fee

Pros & Cons

  • con-icon Free consultation
  • con-icon IAPDA accredited debt specialists
  • con-icon Money-back guarantee
  • con-icon No upfront fees
  • con-icon Not available in all 50 states
  • con-icon Need a minimum of $10,000 to be considered for their programs
  • con-icon Their debt programs will temporarily decrease credit score

Debt Relief Product Types

  • Debt relief consultation service
  • Debt consolidation loans

Debtmerica Debt Relief Terms & Requirements

To receive Debtmerica’s debt settlement services, you’ll need to have at least $10,000 in enrolled debts. You’ll also need to be 18 years of age or older, a permanent resident or US citizen, and located in one of the states they operate in.

On average, Debtmerica’s debt settlement program usually lasts between 24 and 48 months. Customers typically see a 50% total reduction in their enrolled debt. However, results can vary based on the debt amount and individual’s financial situation and credit history. This is standard in the industry.

How to Apply

Begin the application process by navigating to Debtmerica’s main page and clicking “Get Free Quote.” From there, fill out a simple online form that asks:

  • How much debt you have
  • Where you currently live
  • How you can be reached

Once you submit your application, a certified debt specialist will contact you for a free consultation. It’s a good idea to have a copy of your credit report on hand before speaking with the specialist as they might request information you can find on it.

If you don’t have $10,000 or more in debt, Debtmerica will refer you to a third-party company to help with your situation.

Qualification Requirements

  • $10,000+ in debt
  • No specific credit score required
  • Copy of your credit report recommended
  • Legal age (18 or 21)
  • Located in the United States

Required Information

To get started, you’ll need to indicate how much debt you have and your state of residence. You’ll also need to supply some basic personal and contact information, such as your first and last name, email, and phone number. Although not required for the initial application, the team will recommend you get a copy of your credit report.

Application Steps & Time Frames

  • The initial application is online and takes about 5 minutes to complete. After submitting it, you can call them for immediate help or wait for them to contact you.
  • If you owe at least $10,000, a certified debt specialist will contact you. This can happen within one business day.
  • Either before or after completing an application, get a copy of your credit report. That way, you can refer to it if the debt specialist asks for more information.

State Availability

Available - Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Idaho, Indiana, Iowa, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nebraska, New Mexico, New York, North Carolina, Oklahoma, Pennsylvania, South Dakota, Texas, Utah, Virginia, Wisconsin

Not Available - Colorado, Connecticut, Georgia, Hawaii, Illinois, Kansas, Maine, Minnesota, Montana, Nevada, New Hampshire, New Jersey, North Dakota, Ohio, Oregon, Rhode Island, South Carolina, Tennessee, Vermont, Washington, West Virginia, Wyoming

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.



What is debt settlement?

Debt settlement is the process of reducing certain consumer debts you owe to a lower amount - often up to 50% or more. It can take two to four years to complete, on average. During this time, you may need to start setting aside a certain amount of money until you can pay any remaining debt in a lump-sum payment. The success rate varies since creditors are not required to settle your debts, but it tends to be higher when done through an agency like Debtmerica.

Can debt settlement hurt my credit score?

More than likely, yes. The reason for this is that many debt settlement agencies request that you stop making payments to your creditors during the process. This gives you a higher chance of success, but it also affects your payment history, which affects your credit score.

What does the American Fair Credit Council do?

The AFCC and its members - like Debtmerica - work on their customers' behalf to represent their best interests and help them pay off their debts. They often also provide further financial resources to keep them from accruing unmanageable amounts of debt in the future.

Customer Support

Debtmerica has a dedicated Contact Us page, as well as customer support information at the bottom of each webpage. It’s possible to contact them via email or phone number. Their response times tend to be quick – within one or two business days when you contact them by email.

The company has good reviews from previous and current customers online. For example, they have an A+ rating on Better Business Bureau and are accredited. On Trustpilot, they have over 1,720 reviews and 4.8 out of 5 stars. Most reviews indicate professional, helpful customer service.

Privacy & Security

Debtmerica has a dedicated privacy policy page that details the type of personal data they collect and share, as well as whether you can limit it. The information they collect includes your general contact information, Social Security Number, income and employment data, and bank account information. Much of this data comes from filling out their online form or subscribing to their newsletter.

The company uses certain security measures that follow federal law to protect any shared information and prevent data leaks.

In Conclusion

As a highly reviewed debt settlement company, Debtmerica is a solid choice for people looking for help with high-interest debts. Through their program, previous customers have successfully settled and paid off their debts within 24 to 48 months. Since this is primarily a debt settlement service, however, there is no guarantee of success. Debt relief like this also comes with some risks, such as damage to your credit and the forgiven debt being considered potentially taxable.

With that in mind, Debtmerica does strive to provide the best debt relief possible to individuals. They also offer a free consultation with a debt relief specialist who can help you determine whether this is the right path for you.

Brand Disclaimer

*Fees are based on the amount of enrolled debt and may vary from state to state. Individual results may vary based on your ability to save sufficient funds to complete a debt settlement program, the creditors in your individual portfolio, and amount of debt enrolled. Monthly payments under the program may be less than your monthly minimums before enrollment. Estimates and statements made regarding program performance are based on historical results and the testimonials provided were dependent on the facts of the specific client’s situation. We cannot guarantee settlement results or that your debt balances will be lowered by a specific amount or percentage or that your debts will be resolved within a specific period of time. Any use of the term “debt-free” only applies to accounts that have successfully enrolled and completed a debt settlement program. Debtmerica, LLC is an enrollment agent for debt settlement programs and back-end services are provided by third-party companies. Debtmerica, LLC and/or the back-end service provider will not receive any fees until the terms of your debt have been altered with one or more of your creditors. While programs are designed to reduce your debt balances, creditors are under no contractual obligation to negotiate or accept settlement offers from our service providers. We do not assume consumer debts, make monthly payments to creditors, or provide tax, bankruptcy, accounting or legal advice or credit repair services. Please contact a tax professional to discuss potential tax consequences of settled debts. 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 interest. Photographs of persons used in this website are not actual clients. Debtmerica, LLC is not affiliated with CNN, MSNBC, Fox, CBS, or any other entity displayed on this website and all logos used are the trademarks and/or copyrights of their respective owners. Programs are not available in all states. Read and understand all program materials prior to your enrollment.