Better Debt Solutions Reviews
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About Better Debt Solutions
Better Debt Solutions is a California-based company that connects consumers with third-party debt relief providers. Rather than providing debt settlement or credit counseling services directly, the company refers clients to partner companies that may offer programs designed to reduce or restructure unsecured debt.
- No fees until settlement is reached
- 24/7 online portal access
- Negotiation handled for you
- Programs can take several years
- Service fees of 14% to 27% of enrolled debt
- Functions as a referral service only
Our editor’s take
Better Debt Solutions is worth considering for those who are overwhelmed by unsecured debt and want help negotiating with creditors but don’t know where to start. The company refers clients to programs aimed at reducing the total amount of debt owed and consolidating payments into a structured plan that typically lasts two to four years.
While Better Debt Solutions doesn't elaborate on the types of debt that qualify for debt relief, many debt settlement companies allow unsecured debt, such as credit card debt or personal loan debt. Typically, secured debt, such as car and home loans, doesn't qualify.
Because debt settlement can affect your credit score and often requires several years to complete, it’s important to compare multiple debt relief options and understand all fees before enrolling.
Better Debt Solutions services
Better Debt Solutions refers clients to companies that offer debt negotiation services. It offers a free consultation to help you figure out what type of debt relief is the best option. The company advertises referrals to companies that offer the following services:
- Debt relief programs
- Debt settlement
- Debt management plans
- Debt consolidation guidance
- Bankruptcy guidance or referrals
- Credit counseling
Better Debt Solutions requirements
Better Debt Solutions requires a consultation to review your financial situation and discuss possible debt relief options. During this process, the company evaluates your income, expenses and outstanding debts to determine whether you may qualify for a debt relief program.
According to the company’s website, Better Debt Solutions does not directly provide debt settlement or credit counseling services. Instead, it refers consumers to third-party providers that may offer those programs.
If you enroll in a partner debt relief program, you typically must save at least 25% of the total amount of each enrolled debt before a settlement offer can be made to your creditors. The company also notes that eligibility and program availability may vary by state, and certain debts or creditors may not qualify for enrollment.
Better Debt Solutions costs
Better Debt Solutions offers a free consultation with a debt consultant. According to the company, debt settlement fees are based on the total amount of debt enrolled and, as of publishing, range from 14% to 27%. The fees vary by state.
FAQ
What is Better Debt Solutions?
Better Debt Solutions is a company that connects individuals to third-party debt relief providers. These providers negotiate with the clients’ creditors to reduce unsecured debt and create a manageable payoff plan.
How does Better Debt Solutions work?
Better Debt Solutions offers a free consultation to review your financial situation and determine whether a debt relief program may be a good fit. According to the company’s website, it does not directly provide debt settlement or credit counseling services but refers consumers to third-party debt relief providers that may negotiate with creditors on their behalf.
Where is Better Debt Solutions available?
Better Debt Solutions is headquartered in Irvine, California. According to the company’s website, debt relief programs offered through its partner providers are not available in all states, and availability may vary depending on the provider and state regulations.
Is Better Debt Solutions legit?
Better Debt Solutions is a registered company based in Irvine, California. According to its website, the company is accredited by the Better Business Bureau. As with any debt relief service, it’s important to carefully review the terms of any program offered through its partner providers before enrolling.
How does debt settlement work?
During debt settlement, clients typically stop making payments to creditors and instead deposit money into a separate account until enough funds accumulate to make a settlement offer. Once sufficient funds are saved, the company negotiates with creditors to reach a reduced payoff amount.
How long does debt settlement take?
According to Better Debt Solutions, debt settlement can take several months to a few years to complete, depending on factors such as the amount of debt, the creditor and how quickly funds accumulate for settlement offers.
Still have questions?
Better Debt Solutions Reviews
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- 4,882,006 reviews on ConsumerAffairs are verified.
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Reviewed Feb. 28, 2026
After making a very costly mistake regarding my debt I was connected with Raul at BDS. I consider that a very fortunate connection. Raul was able to correct misconceptions I had regarding my current debt situation and lay out a very workable solution that I am a very lucky girl. I have a much better understanding of debt consolidation vs debt reconciliation than I did before which makes the solution much more acceptable. Thank you so much.
Better Debt Solutions Company Information
- Company Name:
- Better Debt Solutions
- Address:
- 2525 Main St., Ste. 500
- City:
- Irvine
- State/Province:
- CA
- Postal Code:
- 92614
- Country:
- United States
- Website:
- betterdebtsolutions.com