Debt RX Reviews

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About Debt RX

Debt Settlement Group (Debt Rx) helps individuals discover the proper debt relief solution that matches their needs. As one of the most reliable, trusted, and experienced debt settlement service providers and debt negotiators in business, Debt Rx is recognized as a leader who's goal is to always help people become and remain financially stable.

Pros
  • No upfront fees
  • Spanish-speaking representatives
  • Free consultation
Cons
  • Does not help with secured debt

Helpful Reviews

Minot, ND
Verified purchase
Debt free over 6 months earlier than projected. Excellent staff. Saved over $23,000. I would highly recommend using Debt Rx. Proud to say I am finally debt free. They kept me info...

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Mcclellanville, SC
Verified purchase
Debt Rx was a wonderful company to work with.. They saved me so much money and gave me peace of mind. I would definitely recommend them to anyone. I am now debt free and couldn’t ...

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What is Debt Rx?

Debt Rx was founded in 1998, making it one of the longest-operating debt negotiation and debt settlement companies in the U.S. It is available in 43 states and Washington, D.C. The company employs a team of debt negotiators with years of experience in consumer credit, debt settlement and debt negotiation. The company has Spanish-speaking representatives available.

Debt RX is a member of the American Fair Credit Council (AFCC), International Association of Personal Debt Arbitrators (IAPDA) and Gaithersburg-Germantown Chamber of Commerce (GGCC).

Debt Rx services

Debt Rx helps clients who are struggling to pay their bills or attempting to eliminate debt. It offers debt negotiation, debt settlement, debt consolidation loans and interest rate reduction programs. These processes potentially reduce a client’s loan balances and interest payments, helping them pay off their debts.

Debt Rx’s debt negotiation and settlement plans can help pay off debts arising from the following transactions:

  • Credit card usage
  • Unsecured personal loans
  • Unsecured personal lines of credit
  • Other unsecured loans
  • Medical bills
  • Repossessed vehicles
  • Collections

Debt Rx offers an online calculator where clients determine how much they will pay during their lifetime without a settlement program. The company also has an online dashboard where customers can easily manage their accounts.

Debt Rx debt settlement and debt negotiation services

Debt Rx’s goal is to negotiate better repayment terms for you. The company aims to reduce your loan balance and interest rate so the amount you pay is less than the total amount you currently owe. Debt Rx’s programs are based on your personal and financial situations, what’s affordable to you and what your creditors accept during negotiation.

You can qualify for debt negotiation and settlement plans if you’re experiencing financial hardship caused by illness, disability, a death in the family, job loss, business failure or other life-changing events that make it difficult for you to pay. People who simply wish to reduce or get out of debt may also qualify.

Your Debt Rx negotiator asks a few questions and inspects your financial records to prove your hardship. Based on your current income and what you’re willing to pay, your negotiator will recommend the best option for you. If you enroll in a debt settlement program, you’re also asked to open a bank account to fund the program.

Every debt situation is unique, and creditors have differing policies on debt settlement. If debt settlement is not the right option for you, Debt Rx offers a learning center where the company’s team reviews your situation and walks you through the benefits of other debt management options, including:

  • Reducing payments
  • Credit counseling
  • Private financing
  • Refinancing
  • Consolidation loans
  • Bankruptcy

Debt Rx FAQ

How does Debt Rx work?

Debt Rx’s debt settlement program is not for everyone. The company requires a minimum debt of $10,000 for clients who want to take advantage of the debt negotiation and settlement option. The company cannot guarantee that your debt will be reduced to a specific amount or percentage, but Debt Rx does not charge any fees until a settlement is reached.

If you’re struggling with debt and want to explore Debt Rx’s services, call the company for a free consultation. Debt Rx’s representatives ask some questions and present your debt relief options. If you qualify, you make monthly payments into a bank account set up for debt settlement purposes and the company’s employees negotiate with your creditors for a settlement you can afford.

How much does Debt Rx cost?
Debt Rx charges fees that range from 15% to 25% on the amount of total debt owed, depending on your specific situation. Fees may vary from state to state.

Clients who adhere to the monthly program payments typically pay approximately 50% of their total debt before fees. After fees are charged, they pay 68% to 75% over 24 to 48 months.

How does Debt Rx affect your credit?
You’ll likely see a decrease in your credit score while in Debt Rx’s debt settlement program since it requires you to stop paying directly to your creditors during the negotiation period.

While debt relief programs may create a temporary setback on your credit score, paying off your debts with a negotiated settlement can gradually improve your credit score over time. This is much better than declaring bankruptcy.

Still have questions?

Do we recommend Debt Rx?

Debt Rx is one of the longest-operating and trusted debt relief companies. The company’s years of experience, accreditations and money-back guarantee make customers confident. We also like that Debt Rx employs Spanish-speaking representatives. For these reasons, we recommend Debt Rx to people who are struggling to settle their debts and want to work toward a less stressful financial situation.

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Debt RX Reviews

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    Page 1 Reviews 0 - 40
    Verified purchase
    StaffResolution

    Reviewed March 23, 2023

    I reviewed the program DEBTRX offered. It fit the needs I needed to resolve the problems I had. They are very professional. They resolved my problems. They contacted me on a regular basis asking if I was being harass. They assured me they would handle any problems that might. They did that without any problems. Thank You!

    Thanks for your vote!
    Debt RX
    Response from Debt RX

    We are so happy to hear that we were able to meet your needs and more importantly, you are debt free! We appreciate your feedback and wish the best.

    Verified purchase
    Staff

    Reviewed March 10, 2023

    I was extremely pleased with the information & assistance provided by the company. I was especially impressed with my representative, Jessica. She was kind, informative & went out of her way to explain & facilitate the process. I was very happy with the outcome.

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      Verified purchase
      Customer ServiceStaff

      Reviewed Feb. 16, 2023

      Debt free over 6 months earlier than projected. Excellent staff. Saved over $23,000. I would highly recommend using Debt Rx. Proud to say I am finally debt free. They kept me informed every step of the way and would check in with me frequently. They also helped handle all those annoying calls from creditors.

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      Verified purchase
      Staff

      Reviewed Feb. 6, 2023

      I was helped to get out of debt. Debt Rx was very great in helping me. They explained the whole program and set up my account. They worked with me through the whole program. I am now done with the program and would recommend Debtrx to anyone looking to get out of debt.

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      Verified purchase
      Staff

      Reviewed Oct. 18, 2022

      I was very satisfy with Debt Rx did an outstanding job. I also was satisfy with Christina **. She was outstanding person when it came to help or questions about my acct. I would recommend this company to help other people.

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      Verified purchase

      Reviewed June 27, 2022

      Debt Rx was a wonderful company to work with.. They saved me so much money and gave me peace of mind. I would definitely recommend them to anyone. I am now debt free and couldn’t be happier. Thank you, Debt Rx.

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      Verified purchase
      Customer ServiceLoan Process

      Reviewed June 16, 2022

      Debt RX was wonderful. I was able to get my loans paid earlier than expected. Christine and everyone at Debt RX were great. They called periodically to check on me. They are all awesome. I would definitely recommend them to anyone.

      Thanks for your vote!
      Debt RX
      Response from Debt RX

      Tina, we appreciate your feedback. What a wonderful feeling to be debt free! Congrats! If you need anything or have questions, please reach out to Customer Service at 1-800-395-5353

      Verified purchase
      Staff

      Reviewed Dec. 21, 2021

      I want to say thank you. You were all helpful. It was stress free and easy. I would recommend them.. You were there when I had questions. You were there when I had a problem. Everyone was helpful and caring. Thank you.

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      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed Dec. 17, 2021

      Very professional staff, also they were very friendly and knowledgeable. I had to call a few times and their responses were quick and my questions were answered to where I could understand them. I never had a problem with any staff member.

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      Verified purchase
      Customer ServiceStaffTransparencyCommunication

      Reviewed Nov. 27, 2021

      Christine ** is a great debt counselor. She kept me update with all my debt and help me with the best way to get rid of my overall debt. She was kind and very hard working. I felt I can call her at any date and she tell me what I needed to know. I felt I was talking to a friend instead of a counselor. I am really grateful for her and the process I went through

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      Verified purchase
      Customer ServiceStaffCommunication

      Reviewed Nov. 23, 2021

      They have always been very courteous and helpful. I am very pleased with their handling of my debts. They have been good at calling me and keeping me informed. I am so thankful that everything is finally settled.. Thank you!! Done!

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      Verified purchase
      Customer ServiceStaff

      Reviewed Nov. 16, 2021

      Debt Rx provided me with all the help I need to get debt free. I feel that they give great customer service. I was skeptical at first but Christine made sure everything worked out. Christine was outstanding and helped me to get debt free a full year before the initial time frame!

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      Verified purchase
      Customer ServiceStaff

      Reviewed Nov. 2, 2021

      Satisfied with the work they did for me. I wouldn’t hesitate to use them again. Recommend them to anyone. They are straightforward and answer any questions I asked. They are very helpful and have awesome customer service. Thank you DebtRx.

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      Verified purchase
      Staff

      Reviewed Sept. 10, 2021

      Each person on the staff were very helpful. They were very professional in everything they did. I completed my journey with them in a moderate amount of time. If you need to become debt free, I highly recommend them. They are always available to answer any questions you may have.

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      Verified purchase
      PricePunctuality & SpeedRatesHonesty & Transparency

      Reviewed Aug. 12, 2021

      They handled all of my accounts quickly and promptly. Their prices are reasonable and affordable with very flexible Guidelines with no hidden fees associated with closing. Would recommend to anyone who asks me about Debt RX and my experience with them.

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      Kayla increased rating by 2 stars.
      Customer ServicePunctuality & Speed
      After a positive interaction with Debt RX, Kayla increased their star rating on June 15, 2021.

      Updated review: June 15, 2021

      They did their job. As stated in another review before this, at first I was not being informed of anything. Once I made it known that I like to know what is going on things got better-ish. I still stand by my opinion that they still need more training and organization starting from the top. The 2 main people I worked with (Justine and Christine) were great. However, if you talk to someone else, they don't know what is going on. I can understand this to a point, however at some time, you have to stop relying on notes and have a set system to either look at or for the consumer to be able to see. Just check all websites that can have reviews and decide for yourself on this business.

      Original Review: June 15, 2021

      This company may do their job but some of their people (named later) need customer service training. Also, go look this company up on BBB. They're not accredited but they did settle out of court with Pennsylvania in 2018 for basically operating without the required licensing. Stephanie acts as though she has no idea what you are talking about. Apparently if you leave anything other than a 5 star review, this company takes it into their own hands to respond and put your debt and settlement amount in the response. They don't want to change it. I told them to just take out the dollar portions and leave everything else. They (Dave and Stephanie) apparently don't like when you suggest something or say that what you were told is not what they are telling you.

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      Debt RX
      Response from Debt RX

      We are glad to hear that your debts were settled and some of our agents were great to work with. We sincerely appreciate your feedback and will use this to improve our service.

      Verified purchase
      Punctuality & SpeedStaff

      Reviewed Feb. 23, 2021

      John spent time to make sure I understood everything the first time. He reviewed and answered all of my question. He was very professional and put me at ease quickly. I will definitely tell my friends that this company does. Go team. Go team. Go team.

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      Verified purchase
      Customer ServiceStaffTransparency

      Reviewed Jan. 21, 2021

      Jon was extremely helpful and good at making sure I understood everything before proceeding to the next step. The transparency of the process and the availability of customer service is much appreciated. If I find people who need help as I have, they will get Jon's phone number.

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      Verified purchase
      Staff

      Reviewed Dec. 21, 2020

      I am working with Brian at Debt RX and he has helped me a lot and answered all my questions. It is very to easy to work with them and get all the help and answers you want. I would recommend to anyone who needs help with Debt.

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      Verified purchase
      Staff

      Reviewed Nov. 23, 2020

      The whole process can be frustrating. But Brian ** made sure to guide me all the way. Even with hiccups, he still kept me informed all the way through. He was kind and caring. It made it easier for me!

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      Verified purchase
      Staff

      Reviewed Nov. 6, 2020

      Help me with all my financial needs and worries, would recommend to anyone. Did a good job. Took a long five years but stood by me even though I had gotten very frustrated and angry, they were very very patient with me. Again I would recommend to anyone in financial ruin. Thank you.

      Thanks for your vote!
      Debt RX
      Response from Debt RX

      Thank you, Linda! We appreciate the time you spent to share your feedback! We know that getting out from underneath a mountain of debt doesnt happen overnight and we’re happy to hear we were able to provide the help you needed.

      Verified purchase
      PriceStaff

      Reviewed April 21, 2020

      This was a very long process, but well worth it. As long as you are patient and follow the guidelines it will all work out in the end! We are finally out from under the stressful situation that internet fraud caused.

      Thanks for your vote!
      Debt RX
      Response from Debt RX

      Charles, Thank you for taking the time to share your experience with others. Getting out of debt is not an overnight process, unless of course one wins the lottery! We’re so happy that you’re debt free! If you need anything, please reach out to customer service at 1-800-395-5353. Have a great day!

      Verified purchase
      PriceStaff

      Reviewed April 21, 2020

      I found the DSG when I was needing and trying to rectify years of overspending. They took over all my large accounts due, worked out an amount from our income and went to work paying all off, smallest to largest. It took about three years but the freedom and sense of accomplishment on the other end of the tunnel is well worth it. I highly recommend the efficiency and care the members of this organization.

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      Verified purchase
      Customer ServiceCommunication

      Reviewed April 13, 2020

      Thought they did a good job always keeping me informed. They always called to make sure no one was hassling me. And to see if there was anything else that they could do for me. They saved me money. And I would recommend them to anyone.

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      Verified purchase
      Staff

      Reviewed March 31, 2020

      Debt RX is a good settlement group to help out people who in need of debt relief and debt-free. I recommend this company to work with whatever debt situation you are in. They are doing a good job to build up your scores.

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      Verified purchase
      Staff

      Reviewed March 23, 2020

      I’m just starting the process of getting debt free with this company. Looking forward to working with You guys. You have a great team working for You! I worked with a guy named Josh ** and helped me answer any and all questions getting the process started. I am very grateful.

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      Verified purchase
      Customer ServiceStaff

      Reviewed March 14, 2020

      They were the best debt company I know of. Very helpful with everything. Always answered my question. They were extra nice. Never a foul word. They were always there when you called to ask them anything. They were great so if in debt I would call them back.

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      Verified purchase
      Customer Service

      Reviewed March 6, 2020

      DebtRX was wonderful to work with. I had several account managers assigned to my account over the program; however, I was still able to reach customer service who directed me in the right direction each time. It is great to be debt free.

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      Verified purchase
      Staff

      Reviewed March 3, 2020

      They were really awesome to work with. They helped me in so many ways. They helped me get out of debt and helped me with the creditors so thank you so much. I would recommend them to everyone and I will.

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed Feb. 20, 2020

      I had a awesome experience, Josh was very helpful and thorough! This is my first time doing this! I feel very confident! I can't wait to be debt free! I am working on buying a house so this will help greatly!

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      Verified purchase
      Customer ServiceStaff

      Reviewed Feb. 6, 2020

      When speaking to Ms. ** yesterday, she gave me the up most best customer service ever. From the explaining of the steps that will be taken to help me with this, to reassuring me that everything would work out. I would recommend this company to anyone that feels like they have no escape from the hassle of debt and doors being slammed in the face.

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      Verified purchase

      Reviewed Jan. 8, 2020

      I had a favorable experience getting enrolled into the program. I had been considering bankruptcy but this seems like a better option. I am worried however that it will not prevent my accounts from being closed. I am not well informed about this option but it seems better than bankruptcy.

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      Debt RX
      Response from Debt RX

      Many thanks for the feedback, Jeanette! We’re pleased to hear you’re satisfied with our service. Someone from our customer service team will be contacting you within 48 hours to help assist with your question.

      Verified purchase
      Customer ServiceStaffProcessTransparency

      Reviewed Dec. 12, 2019

      I was skeptical about signing up with DebtRx, but after speaking with Representative, Tanisha ** who explained the program in great details, and assured me why and how this program would be good for me to help with my credit debt. Tanisha was very thorough in explaining this program to me, and extremely patient. Tanisha provided me with Excellent Customer Service. Thank you again for serving me.

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      Verified purchase
      Customer ServiceStaff

      Reviewed Nov. 14, 2019

      I'm very happy with Debt Rx. I found them in the phone book and I called them. The reps have always been very helpful. I have their phone number and the extension, and somebody always answers. We decided at the beginning that I would pay them so much a month, and then we added onto it, and they increased it $10. Debt Rx is working on the last two dealings and I am very satisfied. It has made life a lot easier because there was a lot of stress before.

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      Verified purchase
      Staff

      Reviewed Oct. 10, 2019

      It has been such relief to be working with such a thorough company. I feel empowered that everything will be okay and there are multiple people on my side helping to get me back up on my feet. They were very calm and collected and answered all my questions. Thanks DebtRx!

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      Verified purchase
      Staff

      Reviewed Sept. 27, 2019

      My experience with Kyle ** was great. He was really well detailed and shared a lot of valuable information with me... big monkey off my back, and I felt it instantly. The idea of being debt-free in just three years, is extremely freeing.

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      Verified purchase
      Staff

      Reviewed Sept. 12, 2019

      I found the people within the company to be very personable, helpful and very detailed to accuracy. I would highly recommend this company to friends and family. I was able to get three of my creditors paid off in a short amount of time and for less than what I owed. Thanks to your negotiating on my behalf. I have one debt left to pay off but due to home repairs I had to quit the Debt RX program. I would definitely use you again in the future.

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      Verified purchase
      Customer Service

      Reviewed Sept. 5, 2019

      Customer service was great. I did have 3 account managers who worked hard getting settlement. They saved me time and money. They call about once a month to see if creditors are harassing you. Sometimes you can pay off your debt faster.

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      Verified purchase

      Reviewed Aug. 28, 2019

      I honestly was losing sleep worrying about how I was to pay me cards the coming months. Brian was truly a godsend. I got a low AFFORDABLE monthly payment. Also I will be able to save some money month to month. Thank you so much guys!

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      Verified purchase
      Staff

      Reviewed Aug. 28, 2019

      Brian was wonderful. Truly a godsend. I was drowning and he threw me a life preserver!!! I was impressed by his knowledge and he super nice!! I would recommend Debt Rx to ANYONE! They treat you like family. I am so glad I found you guys! Thanks so much.

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      Debt RX Company Information

      Company Name:
      Debt Settlement Group (Debt RX)
      Company Type:
      Private
      Address:
      5257 Buckeystown Pike #127
      City:
      Frederick
      State/Province:
      MD
      Postal Code:
      21704
      Country:
      United States
      Website:
      debtrx.com