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Debt Rx

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6.0

Overall Score

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LAST UPDATED: September 8th, 2023

Since its founding in 1998, Debt Rx has settled millions of dollars in debt. The company goes to lengths to offer support for a various clients, even employing Spanish-speaking debt experts to assist those who prefer Spanish. It has a $7,500 minimum debt requirement, which is low for the industry.

Debt Rx fees range from 15 percent to 25 percent. Debt Rx is certified with the IAPDA as a Bronze Member. Its services are available in 38 states and Washington, D.C.

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The Good

  • Extensive Industry Experience 
  • Services Offered
  • Money-Back Guarantee

Extensive Industry Experience 

Founded in 1998, Debt Rx is one of the oldest names in the debt settlement industry. That experience means more relationships with more creditors and (hopefully) more favorable settlement terms for clients.

One way this experience manifests itself is in the information presented on the website. Debt Rx clearly states that debt settlement isn't for everyone and that it requires a minimum debt of $7,500. 

If Debt Rx thinks debt settlement isn't right for you, its representatives will be upfront with you. The company makes sure to offer you with the proper service to fit your needs. 

Its commitment to finding the best possible solution for all of its potential clients means that potential customers don’t need to worry about being pushed into debt relief options that they don’t fully understand or choose for themselves.

Services Offered

Debt Rx provides several great services. The company offers an online dashboard that allows customers to easily manage their accounts. Another excellent service offered by the company is an online debt calculator to help consumers calculate how much debt they will pay, without a settlement, over the course of their lifetime.

Customers may also speak with a representative over the phone. Clients have expressed appreciation for the free consultation and fluent Spanish-speaking customer service agents.

Money-Back Guarantee

Debt Rx promises a money-back guarantee. If the company is unable to produce results, it will not charge a fee. In addition, the company charges $0 in fees until after a settlement is reached. However, it does not guarantee that your debt will be lowered by a specific amount or percentage.

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The Bad

  • Limited Availability
  • Potentially High Prices

Limited Availability

Debt Rx is only available in 38 states and Washington, D.C. Potential clients who live outside of these states will have to seek alternative debt settlement companies. However, if you’re in an area that Debt Rx services, it is a good option to consider.

Potentially High Prices

Debt Rx's fees range from 15 to 22 percent, which is typical for the industry. While a percentage of the debt can be pricey, the top of Debt Rx’s fee range is lower than some of its competitors.

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The Bottom Line

Debt Rx offers many great services to customers. We like that they employ Spanish-speaking representatives. The years of experience, accreditation with the IAPDA, and money-back guarantee can offer potential customers debt relief services with confidence.

Potential customers should verify that Debt Rx is available in their state. We also recommend that potential clients compare companies to see if Debt Rx offers the best price for their settlement. However, Debt Rx's prices are competitive with others in the industry, so potential clients should also consider the value that Debt Rx offers.

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Star Rating

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4.9

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123 Reviews

Review Breakdown

5 grade

93%

4 grade

5%

3 grade

1%

2 grade

0%

1 grade

1%

Sentiment Criteria

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