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The Debt Relief Company

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LAST UPDATED: March 19th, 2020

The Debt Relief Company, founded in 2009, claims to help its clients become debt free in two to four years through its debt settlement program. The company has more than a decade of professional consumer debt relief experience and specializes in unsecured debt, including credit card debt, personal loans, unsecured lines of credit, medical bills, collections, and repossessions.

The company negotiates with creditors to lower its clients' debts, leveraging existing relationships with companies like Citi, Chase, Capital One, Synchrony, Comenity, Discover, Wells Fargo, Bank of America, One Main, Prosper, Lending Club, and Lending Tree.

The Debt Relief Company has a minimum debt requirement of $7,500.

Continue reading for more information, as well as Debt Relief Company reviews.

Top Ranked Companies


The Good

  • Free Consultations
  • No Upfront Costs
  • One Dedicated Contact
  • Online Resources

Free Consultations

Borrowers who are interested in the Debt Relief Company can receive a free quote before enrolling in its debt settlement program by booking online or calling. During the free, 30-minute consultation, a financial consultant takes stock of the client’s financial situation and puts together a solution customized to their needs, including a budget, income and expense evaluation, and plan for how best to improve their monthly cash flow.

No Upfront Costs

The Debt Relief Company doesn’t charge any upfront costs, and it also doesn’t charge any fees until the customer’s debt is resolved.

One Dedicated Contact

The Debt Relief Company assures potential customers that those who work with the company will have one point of contact throughout the entire program, from the consultation to the time their debt is paid off.

Online Resources

The company's website offers useful resources, including a blog with information on credit worthiness and debt to income ratios, and a debt calculator that estimates your savings, new payoff amount, and monthly payment if you were to use the Debt Relief Company.


The Bad

  • Limited Solution Options
  • Minimal Website Information

Limited Solution Options

The Debt Relief Company helps customers exclusively with unsecured debt through its debt settlement program. The company does not offer debt consolidation or bankruptcy help.

However, although the company doesn't help directly with secured debt, it assures customers that saving money on their unsecured debt through its program will leave them with more resources to pay off their secured debt, such as mortgages, home equity lines of credit, and auto loans.

Minimal Website Information

Although the Debt Relief Company website offers helpful resources such as a blog and debt calculator, it doesn't include any information about which states are included in its service area or how much customers can expect to pay in fees.


The Bottom Line

The Debt Relief Company's promise of free consultations, no upfront costs, and no fees charged until after the customer's debt is resolved make it a very attractive option for those looking for debt settlement services. 

Additionally, each customer being assigned one dedicated company contact eliminates some of the communication issues found in other debt relief companies' negative reviews. On the other hand, borrowers looking for other debt relief options, such as debt consolidation, will need to work with another company.

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