DebtBlue

DebtBlue Reviews

Overview

DebtBlue has an average rating of 4.9/5.0, based on 140 reviews.

Staff

99%of reviewers were satisfied with the company's Staff
Excellent
Staff

69 recent reviewers mentioned DebtBlue's staff. 99% were happy or satisfied with the staff, ranking DebtBlue 5th among debt settlement companies on our site.

Customer Service

96%of reviewers were satisfied with the company's Customer Service
Excellent
Customer Service

40 recent reviewers mentioned DebtBlue's customer service. 95% were happy or satisfied with the customer service, ranking DebtBlue 3rd among debt settlement companies on our site.

Process

100%of reviewers were satisfied with the company's Process
Excellent
Process

12 recent reviewers mentioned DebtBlue's process. 100% were happy or satisfied with the process, ranking DebtBlue 3rd among debt settlement companies on our site.

Transparency

92%of reviewers were satisfied with the company's Transparency
Excellent
Transparency

11 recent reviewers mentioned DebtBlue's transparency. 92% were happy or satisfied with the transparency, ranking DebtBlue 9th among debt settlement companies on our site.

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Written by Tammy Burns
+1 more
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Edited by Jon Bortin

About DebtBlue

Based in Texas, DebtBlue is a debt resolution company that’s been in business for over 20 years and is available in 41 states. It offers debt negotiation and settlement services for unsecured debts such as credit cards, medical debt and installment loans. It also offers a debt consolidation loan option for selected clients who have been in its program for at least eight months and want to combine multiple debts into one repayment.

Pros
  • Free consultation
  • Legal support add-ons available
  • No minimum debt required
Cons
  • High fees
  • Secured debts ineligible
  • Not available in all states

What is DebtBlue?

DebtBlue is a debt settlement company that negotiates with your creditors on your behalf, with the aim of reducing or eliminating the total amount of debt you owe and getting you debt-free in a shorter amount of time. It has helped more than 10,000 people save over $130 million in debt to date.

How does DebtBlue work?

To work with DebtBlue, you’ll first set up a free consultation, which you can do via phone or an online form. The form will ask how much you owe, how behind you are on payments and your contact information.

From there, a debt specialist will discuss with you your options — whether that’s to pursue debt settlement with DebtBlue’s help or to pursue an alternative elsewhere, such as a debt consolidation loan with a lender.

Once you’ve enrolled with DebtBlue, you’ll stop making payments to your creditors and begin making payments into a secured escrow account. This account will be used as leverage while DebtBlue negotiates with your creditors on your behalf. Once the creditors and you have agreed to a settled amount, DebtBlue will use the escrow account to pay the creditors.

DebtBlue says you can get out of debt in 24 to 48 months, although its typical program length is about 32 months — this timeframe can vary depending on whether anything in your program has changed and how consistent you’ve been with your deposits.

Note that debt settlement will hurt your credit, since you’ll no longer be making payments on those bills. Also, you’ll incur interest and late fees on those unpaid amounts — and since there’s no guarantee a creditor will agree to settle, you could end up owing even more at the end of the process. Ensure the risks are worth it before pursuing any debt settlement program.

DebtBlue services

DebtBlue says it can help resolve the following types of debts:

  • Credit cards
  • Department store cards
  • Medical debt
  • Installment loans
  • Gas cards

DebtBlue cannot help with federal student loans, tax debt, child support or secured debts like mortgages and auto loans.

In some cases, a creditor may initiate legal action. While DebtBlue is not a law firm, it does partner with legal firms to provide protection in these instances.

After eight months of on-time deposits to your escrow account, you may be able to apply for DebtBlue’s “FastTrac” loan through its partner, Sky Bridge Financial. With FastTrac, you’ll consolidate all your debts into one loan, with the aim of speeding up your repayments.

DebtBlue fees

DebtBlue’s fee is roughly 25% of your enrolled debt. However, this payment is not collected until a successful resolution has been achieved. DebtBlue does not charge any upfront fees, and there is zero obligation to commit after your initial free consultation.

There is also a fee of up to $10 per month for your deposit account, and there may be administrative banking fees charged for services such as if DebtBlue does a check by phone payment to a creditor.

There is also the option to add on a legal support plan, which costs $39.95 per month.

DebtBlue FAQ

Is DebtBlue a debt consolidation company?

No, DebtBlue is a debt settlement company, not a lender for debt consolidation loans. However, it does offer a consolidation loan through its partner, Sky Bridge Financial, for people who have been successfully enrolled in DebtBlue’s program for at least eight months and want to consolidate their debts owed into one payment.

What is the minimum debt needed to work with DebtBlue?

DebtBlue doesn’t set a minimum debt amount to enroll in its debt settlement program. However, it does say that it’s best for people with at least $10,000 in debt, as having less than that may only result in a small savings amount.

Will working with DebtBlue hurt my credit score?

Yes. You should expect your credit score to take a hit with any debt settlement company, since you must stop paying your creditors as part of the negotiation process. However, if your settlement is successful and you show responsible financial habits, your credit score will eventually go back up over time.

Is DebtBlue legit?

Yes, DebtBlue is a legitimate debt settlement company which audits its members annually to ensure they are following all state and federal laws. DebtBlue is also a member of the Consumer Debt Relief Initiative and is accredited by the Better Business Bureau.

DebtBlue Reviews

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    How do I know I can trust these reviews about DebtBlue?
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    PriceStaffProcessTransparency

    Reviewed Feb. 13, 2025

    I recently decided to try DebtBlue services to consolidate several bills into one manageable payment. Our main goal was not to save money initially, but to simplify our financial obligations. In enrolling with DebtBlue, I found the process straightforward. They reviewed all our credit cards and provided us with a monthly payment plan that lasted over two years. Working with their consultant was pleasant; they were straightforward and provided necessary documentation. They detailed what our potential payoff could be, assuring us that through negotiations, that would be the final amount we'd pay. I found the pricing fair, especially considering the interest and long-term benefits compared to paying minimum amounts on our own over the years.

    The service was set up with an autopay option, which suited us well, ensuring hassle-free payments. Progressively, DebtBlue has positively impacted our lives by easing our financial burdens and providing peace of mind. They promptly inform us of new deals and allow us to decide whether to accept or renegotiate, which is reassuring. I do have one caveat; we weren't initially aware of the potential negative impact on our credit score during the negotiation process, which was not explained to us. Once the settlements were processed, though, our scores largely rebounded, except for one creditor who remained firm.

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    Response from DebtBlue
    Hi Bruce,

    Thank you so much for taking the time in giving us your feedback, we truly appreciate it! We are sorry to hear that the potential negative impact of your credit score was not explained to you and we will make sure that does not happen in the future! Thank you for choosing DebtBlue and hope that you continue to have a positive experience with us.

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      Customer ServiceStaff

      Reviewed Feb. 13, 2025

      Luis helped me figure out what was going on with my account! Luis was very patient with me and he knew just what I was talking about! One lady has me so frustrated and told me in all do respect several times that she had no idea what I was talking about because I could not give her which company! I kept telling her that I did not know which company because the lawyers on the judgment case against me did not say which company, I just knew that it was over 6000! And all this started when I got a letter from Jeremy Johnston saying that that Blue told him that I canceled him and that was not true. I hadn’t talked to that blue in a long time. It’s Thursday, February 13, 2025. I didn’t doubt that it was Sears so I couldn’t tell that lady that helped me before Luis!

      I called back and I got Louis and he knew just what I was talking about. He was wonderful and he did help me very much to understand what was going on and that you all were working on this account.! And Jeremy Johnston said well you better call the liars from that because they may still put a judgment on you then you can call me back because the account is not settled yet! And I did think that it was settled because I was paying an extra $300 to help get this settled now I was gonna pay the $300 until the end of September. I guess it was a year!

      Please thank Luis again for me! I was so worked up with a person that I got before Luis! I know this is supposed to be about thanking Louise and which I’ve have but you don’t need looks like the one lady that put me through a lot. I don’t remember her name, but I talked to her just before Luis! Please keep my buddy Luis there! It got so frustrating. What’s the other person? I just wanted to say I asked for somebody higher and when this happened, she said something at hung us up and she never called back. She had my phone number there.! Thank you, Carolyn, Jean, Mckinney and Gary **! We’ve been with y’all five years and that’s why I didn’t need a frustration with that one lady that I don’t really wanna remember her that I will remember Louise and maybe I’ll just ask for him each time if I can! Thank you

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      Response from DebtBlue

      Hi Carolyn,

      We appreciate you taking the time in sharing your feedback. While, we are happy that you had such a positive experience with Luis, we do apologize for your experience with one of our other Client Success Specialist's. That matter will be looked into further. Thanks again for giving us five stars, have a great day!

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      Process

      Reviewed Jan. 12, 2025

      I first heard about DebtBlue through an online advertisement that mentioned a government relief plan. After filling out some information, DebtBlue contacted me, explaining how their program works. They offered to negotiate with my creditors for a lower payoff amount and intended to start with my smaller loans while gradually working up to the larger ones. They also provide monthly statements via email, showing the amount paid in.

      While I have not yet seen any of my debts paid off, it's partly my fault as I haven't signed the necessary paperwork for them to act on my behalf. Despite this, I have enough funds in the account for them to start settling some of my smaller credit card debts. What I anticipate standing out most about DebtBlue's service is the potential for debt resolution, once the process is fully underway.

      If asked to rate their service, I would give them a 4 or 4.5 out of 5, as they do a good job of keeping me informed. The delay in debt settlement is on my end due to not completing the required documentation. Once underway, I expect the program to impact my life positively by providing financial relief and freedom.

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      Response from DebtBlue

      Hi, Christine. Thank you very much for leaving a great review! We are eager to support you as you start your journey towards financial freedom.

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      Online & AppStaffProcessTransparency

      Reviewed Jan. 12, 2025

      I sought out DebtBlue due to excessive debt. My brother-in-law mentioned DebtBlue, which was recommended to him by his coworkers, prompting me to look into their services. Their team helped negotiate with creditors and provided legal representation, assisting me with debt relief.

      Every consultant I worked with at DebtBlue was informative, kind, and ensured all my needs were met. The follow-up process is robust, which I appreciate, though at times it felt a bit excessive with frequent check-ins.

      The quality of service from DebtBlue has been outstanding, and I would definitely recommend them to others facing similar financial challenges. It's unusual to recommend a debt relief service, but for anyone considering it, DebtBlue is an excellent choice.

      While the process has provided peace of mind, knowing someone is helping with issues I couldn't handle alone, it also brings stress, especially concerning the impact on my credit and potential legal actions. Despite this, DetBlue's team has been reassuring and responsive to all my concerns and questions.

      Overall, my experience with DebtBlue merits a 5-star rating. Their comprehensive support, including the additional legal representation, is something I truly value. Although I can't comment on their website, as I've primarily communicated via phone, text, or email, their updates have been prompt and comprehensive.

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      Response from DebtBlue

      Hi, Lauren. We are so glad that you had such a positive experience with us. Thank you very much for sharing!

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      Customer ServiceStaff

      Reviewed Dec. 25, 2024

      I engaged with DebtBlue to manage my financial concerns, specifically to consolidate my loans and pay them off. I came across their service somewhat randomly, gave it a call and was convinced after speaking with a representative who spoke well about DebtBlue. The enrollment process was swift, then it took about a year to get all the things situated, all the loans and the consolidations to get the payment all ready. From there on, all that's been paid and that's not on my record anymore. That worked out marvelously for me, and as of right now, they're helping me build my credit.

      My experience with DebtBlue was excellent. The debt consultant I interacted with handled all aspects seamlessly. They addressed my questions, gave me a site to send in the information, and managed all the interactions with the debt collectors that were trying to call me. I gave the debt collectors their number and then I didn't receive any more phone calls. That was my whole thing at first. I asked them, “How do I handle it?” They told me to forward all the information right over to them and tell the person to call them and if they have any questions, to hang up and don't talk to them ever again.

      Overall, my experience with DebtBlue was remarkable, and I would rate it a 5-star service. I highly recommend them to anyone looking to consolidate loans efficiently and improve their financial situation.

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      Response from DebtBlue

      Hi David, we are pleased to hear that our team handled your financial concerns well. We appreciate you taking the time to share your feedback.

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      Reviewed Feb. 15, 2025

      The representative that I was working with was absolutely amazing. She was thorough. She took her time to explain everything to me as far as what to expect. We discussed my payment options as well as a reasonable rate for me to pay monthly. She took her time to definitely cover all the details.

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      Response from DebtBlue

      Hi Jose,

      We are thrilled that you had such a positive experience with DebtBlue! Thank you for taking the time to share your feedback and also for your stellar review! We appreciate you!

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      Customer ServiceStaff

      Reviewed Feb. 15, 2025

      Needed to remove an account from the program because spouse is primary and it was affecting his credit score. He ask me to have it removed from my Debt Blue account. This was handled immediately and without any hassle. Pleasant, agreeable, and helpful agent. Called very soon after I received notification of her pending contact.

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      Response from DebtBlue

      Hi Jan,

      We are thrilled to hear of your positive experience with our Client Success Agent! Thank you so much for your stellar review and for taking the time in sharing your feedback with us!

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      StaffProcess

      Reviewed Feb. 14, 2025

      Curious of length of program. Been in it 2.5 years. Want to get it resolved. Tired of paying $820/ month. Now have 2 credit cards in Legal. She was friendly and answered questions to her best. I started program in June 2022. I am wanted to complete this program this year 2025!

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      Response from DebtBlue
      Hi Tracy,

      Thank you so much for your stellar review of DebtBlue! We appreciate you taking the time in sharing your feedback!

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      Customer ServiceStaff

      Reviewed Feb. 14, 2025

      When I receive correspondence from Creditors that I believe can be helpful to the progress of my Program w/ Debt Blue I forward the information to Debt Blue. She - Gabby - responded thoroughly to the many aspects of concerns I have about receiving correspondence from Creditors that are part of the Debt Settlement program that I am involved with Debt Blue. Thank you for your quick response.

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      Response from DebtBlue

      Hi Christopher,

      Thank you for your kind words about Gabby! We really appreciate you taking the time in sharing your positive experience with us! We appreciate you!

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      Customer ServiceTransparency

      Reviewed Feb. 14, 2025

      Absolutely great customer support, very quick, and straightforward. A few verifying questions, and then straight to the problem at hand, definitely better than a lot of customer support lines. I look forward to working with these guys in the future. Oh and also, well spoken on the phone. I could understand them crystal clear.

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      Response from DebtBlue
      Hi Andrew,

      We are thrilled that you had such a positive experience with our Client Success Team! Thank you so much for taking the time in sharing your feedback and for your stellar review!

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      DebtBlue Company Information

      Company Name:
      DebtBlue
      Company Type:
      Private
      Year Founded:
      2002
      Address:
      1125 E. Campbell Road, Suite 200
      City:
      Richardson
      State/Province:
      TX
      Postal Code:
      75081
      Country:
      United States
      Website:
      debtblue.com