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US Debt Relief review

Last updated:  

Four types of debt relief — but no clear information on how it works.

Bottom line: There isn’t enough information available to make a solid determination on this company. And we couldn’t get in touch with customer service to fill in the gaps.

Not stated

Minimum debt

12 to 36 months

Typical turnaround

Not stated, but customers paid 70% to 75% of enrolled debts after fees

Fees

Progressive Debt Relief details

Free quote or consultationYes
ServicesDebt relief using direct negotiation with creditors.
Minimum debt$7,500 in unsecured debt.
Typical turnaround24 to 48 months
Direct or third-party negotiationsDirect
FeesNone at time of enrollment.
Types of debt Credit card debt, medical bills, other unsecured debt. Private student loans and business loans may be eligible on a case-by-case basis.
AccreditationsAFCC, IAPDA
RatingsA- BBB rating, 4.6 Trustpilot rating.
Free resources or toolsEstimated savings calculator, options beyond debt settlement, online client dashboard.
Customer servicePhone, email, and text.

Pros

  • May settle debt in 36 months or less
  • Works with credit counselors

Cons

  • No industry accreditations
  • Limited information available online
  • No BBB or Trustpilot profiles

Expert review

Kellye Guinan

Review by


Kellye Guinan is a writer and editor with Finder and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.

Expert review

US Debt Relief has options for debt consolidation, debt resolution, bankruptcy and credit counseling. However, there aren’t many details available online. And when we tried to reach out to customer service, we weren’t able to get in touch with anyone who could answer our questions. Combined with a lack of industry accreditations and customer reviews, it may make sense to compare other debt relief companies before you sign up with US Debt Relief.

How does US Debt Relief work?

US Debt Relief isn't clear about how it works or what services it offers. On its website, it states that it has debt resolution, bankruptcy, credit counseling and debt consolidation options.

But instead of offering the services itself, US Debt Relief notes that it can connect you with one or more companies that offer these services. This means that it likely doesn't offer direct debt negotiation — but I wasn't able to confirm how US Debt Relief works when I called customer service.

How much does it cost?

US Debt Relief doesn't provide specific information about its costs, but it states that the average customer pays back around 50% of their enrolled debt, or 70% to 75% after fees. This means you can may be charged 20% to 25% of your enrolled debt.

It also states that you may need to pay attorney fees, although it isn't clear when these would be charged or what they might entail.

How much could I save with US Debt Relief?

US Debt Relief claims that its average customer settles for 50% of the enrolled debt. Its client results page includes examples of savings typically over $10,000 — although your savings depends on the amount of debt you enroll with.

Compare more debt relief options

Data indicated here is updated regularly

Name Product Costs Requirements
National Debt Relief
18–25% of total enrolled debt
Must have a legitimate financial hardship which is preventing the ability to pay creditors and a minimum of $7,500 in debt.
Get back on your feet with a top-rated debt relief company that works with multiple types of debt.
Freedom Debt Relief
Monthly payment based on enrolled debt, no upfront fees
Must have at least $7,500 in unsecured debt, have a hardship is preventing the ability to pay creditors, and live in a serviced state.
Freedom Debt Relief is a debt settlement company that works to help people with unmanageable, unsecured debt get back on their feet.
Accredited Debt Relief
Charges and fees vary by the company you're ultimately connected with
Must be at least 18 years old and a legal US resident; additional terms may apply based on services and products used.
This A+ BBB-rated service offers free consultations to lower your monthly payments help you get out of debt faster.
Pacific Debt
15%–25% of total debt enrolled. Fees vary by state of residence.
Reside in a state where PDI’s services are available and have $10,000+ of debt to enroll
Consolidated Credit
Fees regulated by client's state of residence, can range from$0 to $69 with an average monthly fee of $35. No upfront or contingency fees.
Debt must not be payday loans or secured loans.
This debt settlement alternative can help you find a path to financial freedom.
American Credit Card Solutions
No upfront costs — settlement fees range from 15% to 25%, depending on your state of residence and amount of debt.
Must live in a state that American Credit Card Solutions serves, $10,000+ in unsecured debt, legitimate financial hardship which is preventing the ability to pay creditors
Overall positive customer ratings — but it's only available in 25 states.
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Compare up to 4 providers

Is US Debt Relief legit?

US Debt Relief has a secure website — but otherwise, it does have a few red flags. There are no obvious links to its privacy policy or terms of service, and searching the website for them returned no results. In addition, US Debt Relief lacks accreditation from industry organizations like the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA).

US Debt Relief reviews and complaints

BBB accredited No
BBB rating N/A
BBB customer reviews
Trustpilot Score
Customer reviews verified as of 01 November 2020

US Debt Relief does not have any Trustpilot reviews.

US Debt Relief doesn't have a BBB or Trustpilot page. While there are BBB pages for companies called US Debt Relief, these have different contact information than the phone number offered on US Debt Relief's website. This is unusual for a debt relief company that's been in business for 10 years — and it means you won't be able to use others' experience to determine how you'll be treated by US Debt Relief representatives.

What is US Debt Relief?

US Debt Relief has been in business for over 10 years. Beyond that, there isn't much information available about the company or its team.

How do I get started?

You can get started by calling US Debt Relief's customer service number or by filling out its online form. It only requires you to submit your full name, phone number and email address.

I’ve signed up. What happens next?

Once you submit your information, a customer service representative reaches out to discuss your unique financial situation. The next steps you need to take depend on the type of debt relief you sign up for. US Debt Relief isn't specific about its process, so you'll need to work with your representative to develop a plan that handles your debt.

US Debt Relief isn't clear about how it works — which means you should compare your debt relief options before committing to a program.

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