Simple Debt Solutions

• Focuses on Multiple Debt Consolidation Options
• Wide Range of Coverage
• Has a Clear 3-Step Debt Relief Process 
• CDRI Premier Member

Focuses on Multiple Debt Consolidation Options

Simple Debt Solution’s primary focus is getting consumers out of debt. They work with a large marketplace of lenders and debt relief companies to get you the help you need. 

After applying for debt consolidation, a specialist will contact you and do an assessment of your financial profile. They will discuss your monthly income, the desired amount of debt you would like consolidated, and go over your current monthly payments to the creditors. 

With that information, they will be able to present you with the best offers from within their network of financial service companies. The goal is to work around your budget and choose the most affordable option.

Wide Range of Coverage

Simple Debt Solutions offers its services in 37 states. Being available in most states is a unique feature of SDS. 

Additionally, SDS has a customer service number that links to a Certified Debt Specialist to ensure all questions are answered. 

Has a Clear 3-Step Debt Relief Process 

Simple Debt Solutions outlines a straightforward three-step process for debt resolution on its website. 

• Review — The first step of the process is to meet with a Certified Debt Specialist who will review your financial situation and provide you with your debt consolidation options.
• See Offers — Select one of the personalized offers to help you save money and become debt-free sooner.
• Resolve — Accept the offer that best fits your needs. 

The cost of this plan is unknown but having it broken down in this general process helps a consumer have an idea of how things will go. The company does state on its interactive debt calculator that the minimum debt for a case is $7,500. 

CDRI Premier Member

Simple Debt Solutions is a premier member of the CDRI (Consumer Debt Relief Initiative). The CDRI’s goal is to help protect consumers by upholding strict industry standards to ensure consumers have access to ‘safe and transparent solutions to achieve financial stability.’ 

We appreciate Simple Debt Solution for aligning itself with an institution that aims to protect consumers. This shows us that the company is truly dedicated to helping those in need by adhering to a higher standard of integrity.  

• No Visible Refund Policy
• Only Offers Consultations and Doesn’t List a Price Breakdown 

No Visible Refund Policy

The refund process for Simple Debt Solutions is not clear on the website. For consumers, working with a company that doesn't have a transparent approach can complicate the process. Even if the company has a pricing structure that does not allow for refunds, we would like to see this pricing structure made more clear on the company's site.

Typically with debt relief companies, customers won't pay anything upfront, so debt relief companies only make money if they help you settle your debts. Thus, not all debt relief companies have a refund or money-back policies, which is something to consider, should you choose to use one.

Only Offers Consultations and Doesn’t List a Price Breakdown 

Unfortunately, if a consumer is looking to price shop, this is not easily accessible information on the company's website. All prices (fees) are given after a consultation and are built into the payments to a creditor.

Since most companies operate on a quote-based system, customers should know that debt relief isn't the easiest industry to price shop.