Debt Rx

Name: Debt Rx
Rating: 4.9

4.9

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123 User Reviews

6.0

Overall Score

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4.9

star star star star star

123 User Reviews

6.0

Overall Score

Compare

The Good

The Bad

Bottom Line

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Company Details

Minimum Debt Requirement

$7, 500

Services Offered

Debt Settlement, Debt Consolidation, Free Consultation, Debt Management Plans, Credit Counseling

Accreditations

None

Is Nonprofit

Time in Business

25 Years

Company Headquarters

5257 Buckeystown Pike #127 Frederick, MD 21704

Number of Reviews 123

info Source of Information

Author: Kaitlyn Short

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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User Reviews

Star Rating

4.9

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123 Reviews

Review Breakdown

5 grade

93%

4 grade

3 grade

2 grade

1 grade

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star star star star star

Jerry & Janette Jack Ada, OK

I contracted with DebtRx 3 years ago to assist with a large set of unsecured debts I could not keep up with due to developing a disability and losing my employment. The initial person I dealt with was and is caring, knowledgeable, honest and very good at what he does. The company itself has worked with me through ups and downs over the past 3 years to secure my ability to deal with these debts and has done a wonderful job at reducing the debts themselves and the negative impact upon my credit, my psyche and my budget! I could not rate DebtRx any higher than excellent! My experience with them has been ideal for the service they provide. 5 stars honestly and willingly given from a disabled retiree and US veteran. Thank you DebtRx! Good job and "ooo-rah"! Jerry V Jack in OK

1 year ago

Reply from Debt Rx

We appreciate your feedback! If you need anything or have questions, please reach out to Customer Service at 1-800-395-5353.

Apr. 17th, 2023

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Marybeth Little

I am writing this review to highlight a very positive experience I have had with a debt resolution company called DebtRx. I had to make use of this company’s services this year due to a series of financial hardships I experienced that caused me to be unable to pay off my credit card debt in a consistent and timely fashion. Like many other people, I was anxious about making the decision to reach out to any company for help with this type of assistance. But once I decided to give DebtRx a try, I was, at once, very positively impressed with the individuals I met who helped me through the process of enrollment in the program, orientation and, at last, the assignment of an account manager who would see me through the remainder of the debt resolution process. I’d like to make special mention of an employee named, Dale, who saw me through the initial phases of the enrollment and orientation processes and another employee named, Christine C, who was assigned to me as my Account Manager. Once I got my first call from Christine C, I knew I had chosen the right company and the right person to assist me with my financial problems. Christine has been and continues to be a genuinely caring listener, an excellent communicator keeping me up-to-date on the progress of my account and, as it now turns out, an outstanding negotiator on my behalf for dealing with the credit cards companies to whom I owe money. Just this week, Christine settled one of the two accounts I needed help to resolve. Christine saved me a substantial amount of money on my debt. I still have one more count to settle, but I now feel 100% confident that the work that needs to be done to finally resolve that account will also be handled with a high level of competence and professionalism. People like Dale and Christine are assets to DebtRx and a credit to their company for hiring such effective staff members. I look forward to continuing my debt consolidation journey with DebtRx and I recommend them to anyone who may need the same kind of financial assistance I needed this year.

2 years ago

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Kayla Kellett Laurens, SC

Slow to start but almost at the end and it has been great to work with them!! My husband and I have been working with DSG since December 2017. At first we did have a problem with not being informed enough, we almost cancelled our services with them! Then Justine spoke with us and explained that we would be kept up to date more! She kept us VERYupdated and in the loop with what was going on. Then something happened and the calls and being informed stopped! That is until Christine!! This lady has rocked!!! She has kept us MORE than updated and informed!!! She has helped keep us sane with the end in sight!! I think she is the only one who has been able to get anywhere with a company that has been giving them problems since we signed on with the DSG program! All I know is that we hope and pray to get to finish our program while working with Christine!! She is awesome and gets things done!!! Thank you for putting her on our cases, she has excelled and then some!!!!

4 years ago

Reply from Debt Rx

Great feedback Kayla! We genuinely appreciate it and we’re glad to hear that you’re
happy with our services. If you need anything or have questions, please reach out to Customer Service at 1-800-395-5353.

Apr. 22nd, 2020

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Phyllis Reiplinger

I was ve;ry doubtful about going to this extent but I was struggling to make payments and could not keep it up. After retiring my income was substantially reduced. The representative I spoke with was very understanding and had the answers to my questions. He made me feel like this is a wise decision and that I was not cheating the creditors out of any money. They were just getting the money owed at a much lower interest rate. Instead of looking at using all my retirement funds and trying to keep up with payments, I would be able to free up some of my monthly income to pay for necessities which I had not been able to afford.

5 years ago

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Deb Moore Washington, DC

Debt RX Has been amazing for me. They take the time out to talk to you about your account, they are prompt, professional and have an amazing staff. I had a lot of debt that I couldn’t seem to manage on my own so I started looking for options. DEBTRX came up as an option and I was sold based off my first conversation with the representative that signed me up. So thorough and clear I felt relief immediately just based off one conversation. If you have debt do yourself a favor and hand it over to Debt Rx they will put your mind at ease and you’ll walk away debt free without having to do it on your own!

5 years ago

Reply from Debt Rx

Deb, We’re delighted to read your feedback !! Thank you for taking time to share your positive experience. We aim to provide the perfect debt relief services for each customer!

May. 28th, 2019

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Phillip Jaso Pueblo, CO

This was the best customer service I have encountered in a long time!!!! I felt embarrassed that I even had to use a Debt Settlement company, however, Debt RX relieved that feeling immediately. Upon enrollment into the program I initially spoke with Pat, she reassured me that I was not doing anything wrong and that they were going to take care of me. Then I was contacted by Justine and she too made me feel like family as she guided me through all the steps like a momma bear to her cubs. The professionalism of Justine was beyond excellent as she kept me informed regularly, not once did I feel confused or left wondering what was going on. The quality of work from Justine was just awesome, the results speak for themselves. AMAZING!!!!!! I'm sorry but 5 stars does not do justice for Justine, Pat, Leniqua and the rest of the staff that was involved. Debt RX should be given a Presidential Award of Excellence because they truly are helping change people's lives for the better! If anyone in my circle of family and friends ever find themselves drowning in unsecured debt, my lifeline to them without hesitation will be to call the Debt Settlement Group, also known as Debt RX. Thank you so much for your time, effort and sincere Professionalism. I mean that from the bottom of my heart.

6 years ago

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Pete mccormick dalton Hanoi, HN

I was referred to debt RX from a guy that's working on my credit. I got tired say after the consultation I felt pretty confident in my th settlement strategies these guys from what I've read on all the reviews are excellent and based upon my consultation and what my friend Andre told me about them is accurate to the T spot on I'm so glad I hired this company!

1 year ago

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Kbeers Palm Bay, FL

I worked with Jon G. As a first time caller, I didn't know what to expect. With our current finances, I knew we needed help to pay off our debt. Jon took the time to explain everything, how the company works to lower the amount of debt and will work with our creditors, to settle accounts. We just started, but I'm very impressed with Jon's helpfulness and patience in explaining everything and answering my questions. Thank you Jon G.

4 years ago

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Allison O. Saco, ME

I had called several other debt consolidation company's and for one reason or another they could not do anything for me and kept transferring me to other places. So I looked up top 5 debt help places and Debt RX was right in first place. I got a call from Josh Yonce and he listened attentively to my concerns and said there would be no problems. Everything went smoothly and cannot wait to do more business .

5 years ago

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Carollee Chloride, AZ

My Mom is just at the beginning of this process. She is 77 years old and has had a lot of questions before committing to this process. Josh has been awesome. He received several phone calls from us and was kind and informative and VERY patient. If everyone else my Mom will have to talk to is as kind and understanding as Josh.............she should have no problems.

5 years ago

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Tammy Altizer Kimberlin Tazewell, VA

Thanks to Debt RX I’m debt free they was amazing to work with Christine was very helpful an so pleasant to talk to. If you need help getting out of debt call them it will take awhile depending on your debt but you’ll get there I would highly recommend them

3 years ago

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Douglas Speeckaert Gaithersburg, MD

DebtRx did us a great service by helping us to take care of some debt we got ourselves into over our heads. For the most part, the communication between us and DebtRx was good. When we started with the program we were able to come up with a reasonable monthly amount to go towards our debt settlement and that helped us to budget. We have exited the program and the only "con" is how long it will take to get our remaining funds refunded to us.

3 years ago

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LloydL Vacaville, CA

My dealings with Christine were what makes a rough situation into one that I see the light at the end of the tunnel moment. She is your private cheering squad that keeps you going that you can do this and there is an end. I think she happier than I was when I was done. Thank you!

4 years ago

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Dina Pet Lover Monticello, NY

I like the way they explain everything and gave you the options up front of the programs they have available to suit your needs The Debt Specialist was able to set up a plan and I was able to view and download all the paper work they provided I feel confident they will help me with my debts

4 years ago

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Patsy Murphy Gloucester, VA

Debtrx helped me and my family to get out of debt. Without their help we would still be struggling. They are a super nice group who always are there for you. Very patient, always answered my calls. Never thought I would get out of debt. Thank you debtrx!!! Could not have done this without your help.

4 years ago

Reply from Debt Rx

Patsy, We’re delighted to read your feedback! Thank you for taking time to share your positive experience. We aim to provide the perfect debt relief for each customer! And congratulations on becoming debt free.

Jan. 7th, 2020

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anonymous Sequim, WA

It was a good experience to work with this company. I had amazing customer service from the first person I talked to to the specialist handling the negotiations with my creditors. Thank you for making this experience worry free.

4 years ago

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Laird Germantown, MD

I was really nervous but I spoke to Brian and he was amazing! He really has a grasp of his profession. I confident in the program he recommended for me and I know I made the right decision. If anyone out there is in a similar position I would certainly choose Debt Rx.

5 years ago

star star star star star

Joseph Faso Burlington, MA

I found it to be very professional also any questions I asked were answered completely. My contact seemed quiet knowledgeable and friendly. I even received call to make sure I understood the particulars . It all was a pleasant experience!

5 years ago

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Tamara K Singh Melstone, MT

The people at Debt Settlement Group are very friendly and easy to work with. They helped me settle my debts quickly and efficiently. I had no stress from debt collectors and they helped me to bring my credit up. I am very pleased with the help they gave and I would use them again, most definitely. Thank you Tamara Singh

5 years ago

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Karen L Pulliam Indian Head, MD

Because of DSG, they helped ease stress and save lots of money. DSG employees were very courteous, polite, knowledgeable and acted in a Professional manner. I would certainly highly recommend them to all of my friends . It has been a rewarding experience.

5 years ago

Reply from Debt Rx

We appreciate your feedback, Karen! We aim to provide the best service and value for our customers!

Jun. 11th, 2019

star star star star star

Anna The Villages, FL

I have worked in-depth with this company, trying to settle my debts in a timely manner. Every employee, without exception, has been highly professional, caring, and always ready and available to help at a moment's notice. They made a sensitive subject (debt relief) seem like it wasn't devastating. Thanks so much!

5 years ago

Reply from Debt Rx

Thank you, Anna! We appreciate the time you spent to share your feedback! We’re
happy to hear we were able to provide the service you needed.

Apr. 29th, 2019

star star star star star

IMMACULATE SCOTT New York, NY

I highly recommend Debt RX Debt Settlement Group I give the program 10 Stars They got me through a terrible time in my life . Great Customer service Monthly calls to talk about were I at in the program My Debt financial advisor was a great help to me every Step with my debt Payment were fit to my Monthly Budget Thank You

6 years ago

star star star star star

Mark Kleinkopf Moses Lake, WA

They are a great alternative to bankruptcy. I ended the program 2 years earlier then their estimate and saved well over $20,000! Highly recommend and signing up with their optional legal services gave me peace of mind!

1 year ago

Reply from Debt Rx

Mark, We’re so happy that you’re debt free! Congrats! Thank you for your feedback

Apr. 10th, 2023

star star star star star

Joseph Juliano Gilbert, AZ

Debtrx was a lifesaver in helping me become debt-free from my credit card debt. Christine was very professional in assisting me in my struggles with debt and was understanding of my financial needs. Thank you!

3 years ago

star star star star star

Chris Johnson Pleasant Grove, UT

They've been a lifesaver. I was drowning in debt; now, I have an affordable monthly payment. I can't say enough good about this company. Christine is incredibly wonderful to work with.

3 years ago

star star star star star

Hasitha Ratnayake Spring, TX

I am working with Brian and the service is awesome. He answered everything I needed and very helpful and fast at responding back to me. Definitely recommend to anyone who needs help with Debt.

3 years ago

star star star star star

Tina Mears East Wenatchee, WA

Tanisha from your company was very helpful. she answered all my questions and was very nice. very knowledgable. She made me comfortable about the help I can get from your company. Thank you so very much

4 years ago

star star star star star

HRamirez Port Saint Lucie, FL

An amazing Customer Service. Tanisha P was able to explain the process clearly and convinced that her program was the best. When she finished I had no doubt that she was right. Tanisha P is amazing! She deserves a 10 .

4 years ago

star star star star star

Kiana Russell Alexandria, VA

So I worked with Ms. T last night and she gave me top 100 customer service. From explaining to me all of my options, to just letting me know that I will have help every step of the way.

4 years ago

star star star star star

Leticiaheriford@gmail.com Austin, TX

My experience has been wonderful with DebtRx. I am working with a knowledgeable and helpful representative Mr. G. He has gone above and beyond to answer all my questions. Highly recommended them and him.

4 years ago

star star star star star

Darlene McKinney Detroit, MI

Debt RX was great in helping settle my accounts, no surprises or changes during the program. I was informed quickly when account offers were ready to be settled. Thank you, I am now debt free.

4 years ago

star star star star star

Clayton Long Chillicothe, MO

The people at Debt Rx really worked hard for me and acted like they cared about me, may family and helping us to get out of this situation. I would recommend this company to anyone that needs help settling debt.

4 years ago

star star star star star

Michael MacIntosh Gardner, MA

Everyone that I have dealt with has been very courteous and helpful. I am and have been very pleased to have used your services and have recommended you to a couple of other people that I know. Thank you.

5 years ago

star star star star star

Ted Hill West Richland, WA

This is my first time ever doing this but I would say everything went very well the people in your company that I was dealing with were very understanding, helpful , & patient.

5 years ago

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Mary Lusby, MD

The representative I spoke with was very professional and answered all my questions. He made me feel very relaxed and comfortable. I will be glad to go with your company for my financial needs.

5 years ago

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Marsha Gaithersburg, MD

Brian was amazing!! He truely is!! He made me feel actually like we were old friends. I was dreading this because of my mounting debt be he answered all my questions so good i feel like an expert now!!

5 years ago

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janet mitchell Hilton Head Island, SC

It has been a pleasure working with everyone and knowing a difficult time was made less stressful. This program is one that works and is easy to follow. I appreciate everyone and hope others take this opportunity.

7 years ago

star star star star star

mary fadeley Buffalo, NY

They took an horrible time in my life and relieved all of the stress and embarrassment. True professionals. I can't say enough about the people working there or the program. Thank you

7 years ago

star star star star star

Linda M Lancaster, OH

Debt RX was complete the whole time. All matters were very expident. Couldn't ask anymore from case worker Christina. She was very articulate and compassionate.

1 year ago

Reply from Debt Rx

Thank you for your feedback! What a great way to start the new year. If you need anything or have questions, please reach out to Customer Service at 1-800-395-5353.

Jan. 4th, 2023

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Frankie Martinis Greenfield, OH

I’ve been with Dept RX close to 4 yrs and been working very hard and none stop to finally close my last account. Been in contact all the way and great customer service

2 years ago

Reply from Debt Rx

Frankie, Thank you for taking the time to share your experience with others. We’re so happy that you’re debt free! Congrats!

May. 27th, 2022

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Annette Hicks Indianapolis, IN

Debt RX is the best, if I didn't have them on my side I don't know what I would have done. Excellent people, always there to help and answer any questions you have

3 years ago

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Sheila Handke New York, NY

They made the process very easy to follow. I am very pleased with company, and I highly recommend Debt Rx , for help with financial issues. Better than bankruptcy process.

4 years ago Edited September 14, 2021

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cathy CARROLL Cleveland, OH

we had a pleasure working with Geina. every time I or jeff had a question she responded with a clear and professional manner. she is a jewel and a asset your team

4 years ago

star star star star star

Teu Fasia Puyallup, WA

Dept RX is a recommended company for dept free. They walk you through in every step. Thank you guys so much for your help. Josh was a good person to contact.

4 years ago

star star star star star

Mark Bryan Kopelov Lake Wales, FL

Very professional,kind, and caring people who truly care about helping you get debt free. A wonderful company DSG is I would recommend them to anyone struggling with debt.

4 years ago

star star star star star

Elizabeth Noel Live Oak, FL

Kyle was wonderful in helping me with solutions to my debt. I feel like a weight has been lifted from my shoulders and am on my way to being debt free! Thanks!

5 years ago

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P M Green Weiser, ID

My bills were becoming more than I could afford and Debt Rx was able to consolidate my credit cards , medical and loans to one easy payment that fits within my budget.

5 years ago

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L Godfrey Syracuse, NY

The company works hard for you, they are a great help! Consistent reminders to make sure their customers aren't being harassed by creditors - and swift responses to customer's needs.

5 years ago

Reply from Debt Rx

Great feedback, Lauren! We genuinely appreciate it and we’re glad to hear that you’re
happy with our service!

Jun. 28th, 2019

star star star star star

Cheryl Asheville, NC

Absolutely professional and kind representatives. They made me at ease on the first call. Got me out of debt in a timely manner and soonwe than I expected. Thanks y'all!

6 years ago

star star star star star

Renee Mcannaney Coal Township, PA

I would highly recommend DSG for debt relief, the caring and compassionate staff put their clients at ease and treat them like family. I give them 20/10. Exceptional!

6 years ago