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Debt Relief Network

14 Years in Business, A+ BBB Rating

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Debt Relief Network is a San Diego-based debt relief company founded in 2001. They have an A+ rating with the BBB. The settlement professionals at DRN work to provide debt relief quickly and efficiently.

Debt-Relief-Network-Home-Page-Screen-ShotDebt Relief Network featuresDRN address and building

The Good

They charge customers 20% of the debts enrolled—a flat rate not uncommon for settlement companies—but they won’t accept that payment until your debts are settled. This price is fairly standard for the industry, but a good sign for consumers. You can cancel service at any time and you won’t lose any money because your funds are in a settlement account that’s in your name. The minimum debt accepted is $5,000, while many other settlement companies have a higher minimum.

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Debt Relief Network

BDC Rank Price (% of debt) Time in Business Our Score
20% 14 Years
Avg. 21.5% 13 Years
$59 20 Years
Avg. 22% 17 Years

The Bad

They don’t offer a full online dashboard for clients. Robust dashboards are important to clients because they give more clarity and provide more accountability for individuals working to get out of debt.

We were pleased to see that Debt Relief Network has a live chat feature on their website, but the status was usually set to “offline” the multiple times we checked. The site does a decent job explaining different debt relief options, but it isn’t always clear what services this particular company offers. Along the same lines, it would be beneficial to customers if the company included price and debt qualifying details on the website to ensure better customer awareness.

The Bottom Line

They have an A+ rating with the Better Business Bureau and have been in business for 14 years. A high BBB rating and a long time in business are both good signs for a debt relief company. One area of improvement is a more robust online dashboard for clients. Overall, they may be worth reaching out to for a free consultation.


Debt Relief Network charges you 20% of the original balance you enroll in their settlement program. As with other debt settlement programs, this fee will come out of the savings you accumulate in a third party savings account. Meanwhile, your negotiators will work with your creditors to settle your debts for a portion of the original balances. Debt Relief Network will only collect payment for its services after your debts have been successfully settled.

Up-Front Fees


Free Consultation

Yes, they offer a free consultation. Here’s a good thing to keep in mind: there is no reason why customers should be charged for a consultation concerning their debts and potential solutions, and a free, no-obligation consultation has become an expectation for most debt relief companies. Customers should think twice before paying for a consultation when they can get it for free.

Time in Business

14 Years. Debt Relief Network was founded in 2001, making it one of the longer-standing businesses in the industry. The longevity of the business is a testament to its dependability in an industry that is becoming more and more crowded. While some newer companies may also be effective and reliable, experience is always a plus when it comes to debt negotiation and settlement.


They have an A+ rating with the BBB. This San Diego-based company scored high marks with the Better Business Bureau based on a number of factors: the length of time the business has been operating, the small volume of complaints filed for a business of its size, and the actions taken to respond to those complaints. Additionally, Debt Relief Network has provided sufficient information about its origins and operations—a good sign for clients trying to avoid shady organizations that aren’t as forthcoming with such details.

Debt Education

The company website provides helpful explanations of different debt relief options, including settlement, the service they offer, and also other courses of actions. This is consistent with their promise not to push their services on anyone. They offer articles about the benefits of bankruptcy, settlement, consolidation, and tax relief services. They also offer anyone access to a free debt relief guide e-book, “5 Ways to Get Out of Debt.” Debt Relief Network doesn’t feature the debt calculators and other tools that some other companies do, which are useful for customers wanting to play around with numbers as they determine their own unique debt relief course.

Money-Back Guarantee

Yes. The Debt Relief Network fee structure is laid out such that they only get paid on the debts they successfully settle, which are all approved by the customer. If you have debts that they are unable to settle, the savings that you’ve accumulated are yours to keep.

Unsecured vs. Secured Loans

Debt Relief Network works with unsecured debts only, as those are far more negotiable than are secured debts. Credit card debt, an example of unsecured debt, can often be settled by a company skilled in negotiation, whereas debt from a mortgage or automobile loan—examples of secured debt—can be resolved simply by taking the collateral away from the debtor.

Mobile Friendly

Yes. They have a mobile friendly website. Individuals looking for information about the company on a mobile phone. or a tablet, should expect a user-friendly experience.

Cancellation Policy

Clients working with Debt Relief Network may cancel at any time without a penalty. Of course, debtors are then left to their own devices to conquer remaining debts, but it’s good that customers can enter into a relationship with the company knowing that they can back out if that’s what they decide. It’s always a good idea to read the terms and conditions before deciding on a debt relief program.

Customer Support Quality

We found that the staff at Debt Relief Network won’t push you into their services or force solutions that fit their agenda. Their aim is to listen, then educate you about your individual options during the free consultation. They respond promptly and thoroughly to emails. The website offers live chat support, which is a great feature for prospective clients, but the support status was set as “offline” multiple times when we checked at various times on multiple days. For the most timely assistance, it may be best to call.

Contact Information



4445 Eastgate Mall #200 Sungate Corporate Centre

San Diego, CA 92121

Services Available

Debt Relief Network offers debt settlement. Here’s how it works: a certified agent will examine your financial situation and budget to create a savings plan. Each month you make a payment from your checking account to a debt settlement savings account. While the money accumulates (the faster the better!), negotiators work with your creditors to arrange a reduced settlement on your credit accounts. Though settlement is the only debt relief service Debt Relief Network offers, they can point you towards other resources as needed. They also have resources to help repair inaccuracies on your credit report by finding them and challenging them on your behalf.

Minimum Debt Accepted

$5,000. Debt Relief Network accepts unsecured debts of at least $5,000—good news for debtors who don’t qualify for debt settlement programs with a higher minimum. Qualifying customers can be assured that they will receive help from experienced professionals because their relief matters, whether it’s $5,000 of debt or $15,000.

Online Dashboard

No, all that is offered to clients is the account information for their trust account. A more robust online dashboard would benefit customers.

AFCC Accreditation

No, Debt Relief Network does not have an AFCC accreditation.

Total Debt Resolved

We were unable to give us any numbers for total resolved debt.

Are there any inaccuracies in this review? We take accuracy very seriously and would love your feedback. Visit our Request Reconsideration page and send us your feedback today!

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14 Years


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Review Last Updated: February 20, 2015

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