DebtUSA Reviews

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About DebtUSA

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Available nationwide, DebtUSA is a debt settlement firm that helps consumers settle debt for a lower amount than what they originally owed. DebtUSA offers a free consultation and charges no upfront fees for its services; you will pay between 15% and 25% in fees after the debt is settled. DebtUSA is best for individuals who have between $5,000 and $100,000 of unsecured debt, such as credit card debt.

    Pros & Cons

    • No upfront fees
    • Free consultation
    • Not for all debts
    • No money-back guarantee

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    What is DebtUSA?

    DebtUSA specializes in debt settlement, which is a process that involves negotiating with creditors to reduce the overall amount of debt owed. DebtUSA can help with unsecured debt amounts ranging from $5,000 to $100,000. DebtUSA works one-on-one with clients to figure out the best solution for debt repayment that works with your budget.

    DebtUSA also mentions it has options to help protect you against a creditor’s legal claims if a creditor were to sue you for unpaid debt.

    How does DebtUSA work?

    To work with DebtUSA, you will need to do two things:

    • Establish hardship: You will either need to be behind on your bills or be willing to stop paying toward your debts to show financial hardship.
    • Accumulate funds: Your monthly payments will go into an Federal Deposit Insurance Corporation-insured account that will be used to settle your accounts once you save enough money. DebtUSA staff will not be able to pull from your account or settle a debt until you approve.

    This is the standard process of most debt settlement companies. DebtUSA’s website has real examples of clients’ debt settlement statements. Posted examples on the company’s website show that DebtUSA was able to resolve its clients’ debt load for between 31% and 40% of the amount originally owed.

    DebtUSA products and services

    DebtUSA can help with the following debts:

    • Credit cards
    • Department store cards
    • Gas cards
    • Bank loans
    • Installment loans
    • Unsecured business debt (if your business is closed)
    • Judgments older than 12 months

    DebtUSA will not be able to help you with secured debts (i.e., debts connected to collateral like an auto loan or mortgage). Other debts the company cannot help with include:

    • Child support
    • Federal or state taxes
    • Current court cases
    • Military loans or debt
    • Storefront high-interest loans
    • Insurance policies

    Debt settlement can take between 24 and 60 months. The speed of the process depends on how much debt you want to settle and how much you can pay monthly toward your debt payoff.

    DebtUSA fees

    Fees will vary, but most clients can expect to pay between 15% and 25%. It is important to consider if the fees will be worth it once the debt is settled. For example, if one debt can only be settled for 30% less, but you have to pay 25% in fees, you might not consider the service worth it.

    Many debt settlement companies charge a lower fee for clients who are low-income or experiencing financial hardship. Ask if you qualify for the lower fee available before you sign up with the company.

    DebtUSA FAQ

    Does DebtUSA have a money-back guarantee?

    While DebtUSA says its goal is for its clients to have 100% satisfaction, it does not actually offer any guarantees. It cannot guarantee that every creditor will settle.

    Do I need a hardship to use DebtUSA?

    Yes. If you are current on your bills, DebtUSA will want you to stop paying them in order to establish financial hardship. If you want to repay your debt without hurting your credit, a debt consolidation loan might be a better option.

    Will using DebtUSA hurt my credit score?

    Yes. Debt settlement requires you to stop paying your bills in order to negotiate your debt for a smaller amount. It can take several months or even years to rebuild your credit after debt settlement.

    Is DebtUSA legit?

    Yes, DebtUSA is a legitimate company that offers debt settlement. It says on its website that it prioritizes integrity and that all clients will know the company’s fee structure before signing up. As with any debt settlement company, it is important to know that every person’s situation is unique and results can vary.

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