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In just under ten years, NetDebt helped resolve over $6 million in consumer debt. On their website, advertises that it can help people out of debt in 36 months – in the same time frame as most of their competitors. You may have heard of NetDebt by one of their other names: Debt Mediation or Debt Relief Advocates. NetDebt is available in 19 states and does not have any industry accreditations.

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Net Debt Reviews |

The Good

  • Money back guarantee
  • Work with the same consultant through your entire settlement process
  • Their call center is open on Saturdays (most settlement companies are not)
  • You only need $2,500 in debt to begin (most companies require $7.5k)

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 company to work with.

Low Minimum Debt Requirement

Another way NetDebt makes their services more accessible is by having a minimum debt requirement of just $2,000. Most debt settlement companies require anywhere from $5k – $10k, which makes NetDebt an attractive option for those who want to settle a small amount of debt but do not meet the threshold for those other companies.

Great Services

Clients of NetDebt view their service as excellent, with knowledgeable representatives, free consultations, and operators available on Saturday. For most people, these are services that are very important in choosing a debt settlement company.

The Bad

  • Doesn’t have any major industry accreditations that we could find
  • Government action was taken against them in 2014
  • Charges clients 25 percent of debt enrolled (higher than industry averages)
  • Limited industry experience (only in business since 2012)

No Industry Accreditations

According to multiple surveys we have conducted, the most important thing a debt settlement company can have is proper accreditations. This is our biggest concern with NetDebt: it has no industry accreditations that we could find. Most debt settlement companies are at least accredited with the AFCC; an international association that is dedicated to improving individuals and families. As far as we could see, the company is also not accredited with the FTC, or IAPDA.

State Availability

NetDebt is only available in 19 states. See below for specific state information.

Want to know which debt settlement companies are top rated? Click here

The Bottom Line

Even though NetDebt can work with more people than most debt settlement companies (because of their low minimum debt requirements), there are still too many drawbacks for us to feel comfortable recommending this company. The company is limited in its service area, has no industry accreditations, and is very new to the industry. We recommend looking for a more optimal debt relief company for your needs.

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2 NetDebt Reviews

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    April 7th, 2016 Phoenix, AZ

    i contracted with netdebt in 2014 for a sustantial fee to negotiate 2 credit card debts with citibank. the did settle one and then said they needed 2 more payments which i agreed to. then they started calling me every month for more money which i refused. now they have thousands of dollars of mine and havent settled the second and i havent heard from them for months

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    March 10th, 2016 La Puente, CA

    Cancel yet they refuse to reply, called several times, emails and text messages, only response is “reviear wing” when I demanded a response after emailed signd cancellation were emailed. I have no idea of what comes next. Suggest anybody looking at NetDebt for services, to proceed with extreme care.

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