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#28
debt_com consolidation

Debt.com

Debt.com is a one-stop-shop for consumers to find help with personal debt through impressive educational resources.

Our Score
1.4
User Score
--

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Our Score
1.4
User Score
--
Rank this Company

Ratings Breakdown

Price

monthly price range
Undisclosed

Up-Front Fees

setup & activation fees
Undisclosed

Free Consultation

is one included?
Yes

Time in Business

total # of years
4 years

Credit Counseling

do they offer credit counseling services?
No

Certified Credit Counselors

are there certified counselors on staff?
Yes

ISO Certified

is this business ISO certified?
No

Number of Reviews

User reviews here on BDC
0

This Review is maintained by Chase Sagum

Review Last Updated: January 4, 2017

Debt.com was established in 2013 as a resource for people who are in debt. Although the company does not directly offer debt consolidation services, Debt.com does help those struggling with debt to find companies to work with that might be able to provide relief. The platform allows users to quickly compare multiple companies against each other to find a good fit. Debt.com also offers a free consultation with certified counselors. 

Rank Chart
Monthly Price
Accreditations
Review

#1

Up to $69
FCAA & ISO

#2

$10 - $49
ISO

#3

Up to $39
FCAA & ISO

#28
debt_com consolidation

Undisclosed
None

The Good

  • Great resources
  • One stop shop
  • Great user reviews

Great Resources

We appreciate their dedicated effort to getting consumers up to par when it comes time to get those finances in order. For one thing, Debt.com offers a free consultation for customers to talk to someone about possible debt solutions. Free downloadable booklets are available providing proven step-by-step methods to solve the greatest of financial dilemmas to simple pros and cons of credit. For the financial news junkies out there, Debt.com has implemented a news source via post, as well as subscriptions to newsletters providing additional financial advice for free.

One-Stop-Shop

Whether it’s credit monitoring and credit card debt help, or tax debt and bankruptcy, Debt.com has created a one-stop source for consumers to find solutions to their personal debt dilemma. But it doesn’t simply stop at getting one out of debt, but also implements methods to getting into debt wisely – think mortgages and car loans. The company platform has been designed to get consumers from all walks of life connected to a trustworthy financial company able to set them on the path to financial independence.

User Reviews

Users have left favorable reviews for Debt.com for helping them to find a company to work with that was good for their unique circumstances.

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The Bad

  • Middleman service
  • Lacks accreditations
  • No outline of risks

Middleman Service

Debt.com is a middleman. They don’t offer any sort of debt consolidation services directly and so it’s impossible to say whether or not it’s a good idea to use them; it depends on which lender or company they refer you to. In all likelihood, the company earns money and remains in business by referring users to specific companies. It may be more beneficial for potential customers to work directly with a company than to use a middleman company like Debt.com.

Lacks Accreditations

There are no industry accreditations, these can be important. They can show a company’s commitment to the industry best practices and that they offer a certain level of quality in their services. Also, Debt.com has only been around since 2013, much less than most of the other companies in the industry.

No Outline of Risks

Many companies fail to outline the potential risks associated with consolidation and debt management plans. This company has also failed to inform their site visitors of the aftermath of consolidation. It’s important to weigh the pros and the cons. If consumers choose to enroll in a debt management plan with a consolidation company, it is important to stick with it from start to finish. Because negotiators work with creditors to reduce interest rates and waive over-limit and late fees. Canceling during the course of the program will greatly increase the chances for creditors to spike back up interest rates and tack on those over-limit and late fees negotiators worked so hard to get reduced and waived.

Want to see the top rated Debt Consolidation Companies? Click Here

The Bottom Line

Debt.com’s platform was created to help consumers struggling under the burden of debt find relief by offering a one stop shop to find companies that are able to handle their situation. However, this company does not provide any of those services directly. We really enjoy their efforts to getting consumers aware of their financial world and provide a broad spectrum of resources and tools to help them on their path to financial independence. Overall, we recommend anyone taking the self-help path with a desire to become more financially literate to take advantage of these resources. But, for those seeking an actual consolidation company, we recommended going straight to the source and looking into our top companies for your debt consolidation companies needs.


About Debt.com

Debt.com is a versatile company that assists those who are struggling financially to find the right third-party company to help them become financially stable. Debt.com does not offer any debt consolidation or debt management plans. Debt.com simply identifies a customers area for financial improvement and outsources the customer to other financial companies for further assistance. It provides assistance with debt solutions, student loan debt help, IRS and State Tax debt help, personal financial management, and more.

Price

Debt.com will not charge any fees upfront for services, but once they pair you with the perfect company, you can expect your monthly price to be  no more than $69.

Pricing depends on which company or service you are matched with through Debt.com’s company referral service. Once you are enrolled with a specific company, you can inquire about specific pricing options. Debt.com will not charge for getting you connected with other companies.

Up-Front Fees

The up-front fee to get you started is $49. This helps them establish an account, process your information and gets you started on the path to financial freedom.

Free Consultation

Yes. You can call the phone number provided to receive a free consultation. When you first call, you will be met with an options menu listing the various services offered. Once you select an option you will be directed to the appropriate company that Debt.com has selected. You can then work with this company directly to assess your eligibility.

Time in Business

8 years. Debt.com has been in business since June 11, 2007.

Debt Education

They have an excellent debt education offering. You can find many useful resources located on the Tools & Tips page of the company website, including the “Ask an Expert” feature that allows you to submit any kind of question related to financing. A finance expert will respond to your inquiry with professional advice tailored to your specific question. In addition, Debt.com provides members-only money management tools such as PowerWallet. This is an advanced tool used for safely managing all of your financial accounts in one place.

Money-Back Guarantee

Like most consolidation (as opposed to some settlement settlement) companies, they do not offer any money-back guarantees or refunds.

Unsecured vs. Secured Loans

This company focuses on unsecured debt. They assist with credit card debt, student loans and debt resulting from unpaid taxes. The specific debt conditions depend on what type of service you are in need of.

Mobile-Friendly Site

They also offer a budgeting app for mobile phones. We love their tools offering. Their site is mobile responsive. The layout is well-designed to maintain its readability and aesthetic appeal even on small screens. All features on the Tools & Tips page function correctly and articles on the News page are easy to browse.

Cancellation Policy

Situational. Generally speaking, debt consolidation and management companies do not penalize individuals for leaving a program early. However, this is determined by specific companies and not by Debt.com. When you receive your free consultation, you will be given a lot of information about your specific situation and debt in general. Ask them about the cancellation policy for your specific situation.

Contact Information

Phone Number: 

1-(800) 810-0989

Email Address:

[email protected]

Address: 

1830 N University Drive #342

Plantation, FL 33322

Services Provided

The purpose of Debt.com is to save you time and energy by helping you find the best company for your needs. Specifically, these companies are Consolidated Credit, Campus Debt Solutions, Credit Power (powered by Identity IQ), Tax Assistance Group, Law Solutions, New Day Credit and Start Fresh Today. You will be matched with one of these companies based on your particular debt situation. If you are seeking debt consolidation in particular, you might be interested in either the credit card or student loan debt help services. There are also services designed to help you deal with unpaid IRS and state taxes.

Minimum Debt Accepted

None. Anywhere from $1,000 to more than $100,000.

Online Dashboard

Debt.com does not offer an online dashboard, as it is a financial advice company. For actual debt settlement services, customers are referred to one of their partners.

CPFC Certified

No, Debt.com is not CPFC certified.

ISO Certified

No, Debt.com is not ISO certified; all debt settlement is handled by their partners.

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Poll

  • When looking for a debt settlement company, which of these two aspects is most important to you?
  • Takes your existing debt and try to settle with your creditors for a lower amount. If you pay off the settled amount, your debt will be considered paid in full.
  • Negotiates with your creditors on your behalf.
  • Fee based on a percentage of your total starting debt or a percentage of the debt they save you.
  • Most settlement companies have you create a separate "escrow" account where you will make monthly contributions over a certain amount of time to contribute to your settlement. Once there is a substantial amount of funds to show your creditors, the settlement company will try to negotiate a lower amount of debt.
  • Combines all your debts and creditors into one monthly payment.
  • Allows you to pay one monthly payment to the consolidation company, instead of multiple payments to different creditors.
  • You no longer owe your original creditors; instead you pay one monthly payment to your consolidation company.
  • Consolidation companies can help negotiate lower interest rates on your debts and help lower your total debt payment in the long run. A lower interest rate will lower the amount you owe in the end.
  • Allows you to consolidate all your different debts into one personal loan that can be paid off over time.
  • Can offer borrowers a lower interest rate with a longer payback term (compared to high-interest credit cards or medical bills). This will lower the amount of money required to pay off the loan over time.
  • Personal loan debt consolidation can be an effective way to raise your credit score quickly (within 3-6 months).
  • Borrowers can receive funds from their loan within only a few days.

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Real Reviews (yes they’re real)

With so many debt relief companies out there, and a lack of sites willing to bring you the HONEST breakdowns of each company, what source can you turn to for the real information you can trust?

We are dedicated to bringing the truth out, and rank debt relief companies as they should be. Through our investigation, and experience with each company, we rank each company, and bring you our honest, unbiased opinion. We also include authentic user reviews by past customers of each company that are moderated and verified.

Like many sites, we are compensated through affiliate relationships with each company we review, however all of our rankings are based on our 11-Point Ranking Criteria.

All reviews are subject to moderation and approval. Any reviews that may resemble false information, or competitors of another company will need to be verified by our staff before being approved and published. We reserve the right to approve or deny any reviews left on this site.
Our Score
1.4
User Score
--
Rank this Company

Ratings Breakdown

Price

monthly price range
Undisclosed

Up-Front Fees

setup & activation fees
Undisclosed

Free Consultation

is one included?
Yes

Time in Business

total # of years
4 years

Credit Counseling

do they offer credit counseling services?
No

Certified Credit Counselors

are there certified counselors on staff?
Yes

ISO Certified

is this business ISO certified?
No

Number of Reviews

User reviews here on BDC
0
Our Score
9.3
User Score
9.4
Rank this Company

Ratings Breakdown

Price

monthly price range
Up to $69

Up-Front Fees

setup & activation fees
Up to $49

Free Consultation

is one included?
Yes

Time in Business

total # of years
24 years

Credit Counseling

do they offer credit counseling services?
Yes

Certified Credit Counselors

are there certified counselors on staff?
Yes

ISO Certified

is this business ISO certified?
Yes

Number of Reviews

User reviews here on BDC
387