Overall Score

10 User Reviews

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In less than ten years, NetDebt helped resolve over $6 million in consumer debt. On its website, advertises that it can help people out of debt in 36 months, the same time frame as most of its competitors. It is also known by the names Debt Mediation and Debt Relief Advocates. NetDebt is available in 19 states and is accredited with the AFCC.

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10 User Reviews

The Good

  • Money-Back Guarantee
  • Low Minimum Debt Requirement
  • Accessible Consultants

Money-Back Guarantee

NetDebt offers a money-back guarantee to its customers. This is not standard in the industry and should be considered when choosing a debt settlement company.

Low Minimum Debt Requirement

NetDebt has a minimum debt requirement of just $2.5k. Most debt settlement companies require anywhere from $5k - $10k, which makes NetDebt an attractive option for consumers who want to settle a small amount of debt but do not meet the threshold for other settlement companies.

Accessible Consultants

NetDebt offers free consultations and has operators available on Saturday. In addition, customers work with the same consultant throughout the entire settlement process.

The Bad

  • No IAPDA Accreditation
  • Limited State Availability
  • Limited Industry Experience 
  • High Prices

No IAPDA Accreditation

NetDebt is accredited with the AFCC; however, it is not accredited with the IAPDA. Many competitors have both accreditations.

Limited State Availability

NetDebt is only available in 19 states. 

Limited Industry Experience 

NetDebt has only been in business since 2012; other settlement companies have more industry experience. Additionally, in 2014 the government took action against the company.  

High Prices

It charges clients 25 percent of debt enrolled. This is higher than industry averages.

The Bottom Line

Even though NetDebt is available to more people than most debt settlement companies, because of its low minimum debt requirement, there are still too many drawbacks for us to feel comfortable recommending this company. The company is limited in its service area, has high prices, and is very new to the industry. We recommend looking at other companies for your debt relief needs.

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