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Luna Debt Relief

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LAST UPDATED: April 11th, 2024

Luna Debt Relief seeks to help consumers resolve debt quickly — typically within 24 to 48 months. The Luna Debt Relief team is knowledgeable in various forms of debt, such as credit card debt, personal loan debt, bad credit debt, and more. The company provides debt relief, debt consolidation services, and debt settlement services, ensuring that clients can receive customized debt solutions based on their financial situation.

To determine which debt relief solutions will be most beneficial to individual consumers, Luna Debt Relief offers free debt assessments that include the creation of a personalized debt relief action plan.

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The Good

  • Variety of Debt Relief Services
  • Simple Debt Relief Process
  • Online Client Dashboard
  • Free Debt Assessments

Variety of Debt Relief Services

Luna Debt Relief provides a variety of debt relief services to assist in resolving various forms of unsecured debt, such as credit cards, personal loans, lines of credit, medical bills, etc. Unsecured debts are those that aren’t tied to an asset, like a car or a home; thus, fewer complications are associated with this debt type because the consumer isn’t at risk of losing an asset if unable to repay a debt. Luna Debt Relief may provide some assistance/services for secured debt (debt tied to an asset), but it isn’t uncommon for debt relief companies to only provide unsecured debt relief services.

Luna Debt Relief provides the following unsecured debt relief services:

  • Credit card debt relief
  • Personal loan relief
  • Debt consolidation
  • Debt relief settlement
  • Bad credit debt relief
  • Unemployment debt

Two Luna Debt Relief services worth highlighting are debt consolidation and debt settlement — not all debt relief companies offer both services. Many types of debt, such as credit cards, personal loans, and medical bills, are eligible for debt settlement, which would include Luna Debt Relief working directly with your creditors and offering them an amount of money to pay down your debt; in this case, you’d then be responsible for making payments to Luna Debt Relief instead of your creditors. Another debt relief service is debt consolidation, which allows you to combine all your debts into one affordable loan.

When you schedule a free debt assessment, a Luna Debt Relief expert will provide you with debt relief options and suggestions based on your specific financial situation.

Simple Debt Relief Process

The Luna Debt Relief process is simple and straightforward. The process includes the following five steps that can help you become debt free faster:

  1. Get your free debt assessment
  2. Customize your deposit amount
  3. Estimate your savings
  4. Estimate your debt free date
  5. Resolve your debt

It’s important to note that you’ll be required to pay one affordable monthly payment into a Luna Debt Relief account. Upon accumulating sufficient funds in that account, Luna Debt Relief debt negotiators will begin the negotiation process with your creditors. This framework allows you to make one monthly payment instead of multiple monthly payments for various types of debt.

Online Client Dashboard

Luna Debt Relief indicates that it has an online client dashboard through which you can track your debt relief progress; but it’s unclear how to set up and/or access the client dashboard. Nevertheless, it’s helpful to know that you will have access to a platform through which you can monitor and track your progress, instead of relying on communications from the company itself to receive updates.

Free Debt Assessments

Luna Debt Relief offers free debt assessments that can provide you with personalized debt relief options and action plans based on your financial situation. Before committing to a company’s services, it can be helpful to know exactly what is available to you, including specific terms and conditions that may apply; thus, there won’t be any surprises in the debt relief process.


The Bad

  • Undisclosed Minimum Debt Requirement
  • Limited Industry Accreditations

Undisclosed Minimum Debt Requirement

Luna Debt Relief doesn’t disclose a minimum debt requirement. Most debt relief companies have a minimum debt amount — the industry average minimum debt requirement is approximately $10,000. Thus, if your current debt amount is lower than the minimum requirement, you may not be eligible for debt relief services. However, it’s unclear what the Luna Debt Relief minimum debt requirement is, which can make it difficult to know if the company’s services will be available to you based on your debt amount.

Limited Industry Accreditations

Luna Debt Relief doesn’t currently have any industry accreditations. Some common debt relief industry accreditations include AFCC (Association of Family and Conciliation Courts), IAPDA, and CDRI (Consumer Debt Relief Initiative). 

While a lack of accreditation isn’t necessarily an indication of a debt relief company’s service quality and success, it can provide an added level of confidence and peace of mind for consumers to know that a debt relief company meets certain industry standards and practices.


The Bottom Line

Luna Debt Relief offers a variety of debt relief services, including debt settlement and debt consolidation, for a wide range of unsecured debt types, including credit cards, personal loans, medical bills, etc. It’s worth noting that Luna Debt Relief provides both debt settlement and debt consolidation services; many companies typically provide only one type of debt relief service. The Luna Debt Relief process is simple and straightforward, and you could be debt free within 24 to 48 months.

To get an idea of what services may be available to you based on your financial situation, you can request a free debt assessment on the Luna Debt Relief website.

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