DebtBlue Reviews

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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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    Page 1 Reviews 0 - 5
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    Customer ServiceStaffProcessTransparency

    Reviewed April 17, 2025

    I ultimately landed on DebtBlue after looking into different options a few years ago. Initially, it was because they were the only company willing to work with me at that time. Prior to DebtBlue, I attempted to manage my debts with Liberty something, but I didn't have much debt back then, so it wasn't really effective. However, DebtBlue proved incredibly helpful this time around, managing more of my debt and taking on an additional one later.

    The signing-up process was smooth. The representative was kind and efficient in guiding me through paperwork online and kept me updated throughout the process. Even when I had doubts later on, their support team clarified everything I needed to know.

    Working with DebtBlue has been reassuring, especially with their regular updates and the handy app that clearly shows how much money has been dealt, current debts, payments made, and the remaining balance. Knowing how many days or years I have left until my debts are settled is a big relief.

    My payment plan is nearing completion, possibly in the next year or two. I'm hopeful that by the next tax season, I'll be able to settle everything even faster.

    Overall, I would rate my experience as excellent due to the supportiveness of their staff and the accessibility of resources making financial management far more understandable than anticipating not getting lost in a sea of numbers. With their consistent communication, I definitely feel supported with them guiding me through paying off my debt.

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    Response from DebtBlue

    Hi Amber,

    Thank you so much for your stellar review! We are so thankful that you chose DebtBlue and that we were able to get you on your path to financial freedom! Thank you for taking the time in sharing your feedback, we truly appreciate you! :)

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      Customer ServicePriceStaffProcess

      Reviewed March 15, 2025

      I took out a lease on a car and I told the car dealer that it was too expensive. But they ended up going through with it anyway, so I got stuck and I’m struggling to pay it right now. They won't take the car back and if they do, it'll mess up my credit more than it already is. There was a personal loan and two other credit cards that I couldn't make the payments on because the car payment is so high. So, I did a consolidation with DebtBlue and I pay them so much a month. Then, they pay off my creditors. It automatically comes out of my bank account. But if I have a concern, DebtBlue is always there. If you call them, you'll get a representative and they'll help you. There were a couple of times I needed to call them and the reps were helpful. They have been good about following up and answering my questions.

      I first got the invitation in the mail and I spoke to a woman from a company called Legacy. She finds people who have debt problems and refers them to DebtBlue. She was nice and asked how much I could afford to pay into this fund that they would put aside for me to make the payments. I came up with a figure and I've been dealing with that. So far, two of my credit cards have been paid off by DebtBlue. It might have taken seven months, but they made payments on my behalf, which was great. DebtBlue does a payment agreement with the creditor and it shows up on my credit as a write off. But it also shows paid in full, which is a good sign. My credit score is starting to come back up again.

      DebtBlue is a good company. They are there to help you get these debts paid off. They negotiate with your lenders and get you a lower payment and pay it off in time. You might fall behind, but the woman said not to worry about it. She said I would be getting a lot of phone calls and mail from the creditors but assured me that they were gonna pay them off. It's just a matter of the creditors agreeing to the terms of the payment. DebtBlue does what they say they’re gonna do and keep you abreast of everything that's going on. The website shows exactly what's due, what's been paid and what's being paid, as well as your balance of what you paid in and what's in there. So, it’s a good program. I would recommend it to friends and family.

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      Response from DebtBlue
      Hi Daryl,

      Thank you so much for taking the time in sharing your feedback! We are thrilled that you have had such a positive experience with DebtBlue! Your kind words are truly appreciated! :)

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      Customer ServiceStaffProcessTransparency

      Reviewed Feb. 27, 2025

      I found myself in a tough financial spot due to some unexpected medical costs and loans that piled up. Unable to manage them as planned, I looked for ways to consolidate my debt, leading me to DebtBlue through a letter I received. They provided me a service that allowed for a smoother resolution than I anticipated. I opted for a service that didn't involve taking on new debt, which was a relief as I hoped to settle my financial affairs without exacerbating my situation.

      DebtBlue's representative worked with me over the phone to arrange the details and managed to set it all up within 24 hours. The process was streamlined and efficient. He was proactive and kept all his promises regarding communication, which was reassuring. A payment plan was established where payments are automatically debited from my account every month, making it convenient for me.

      Overall, I would describe my experience with DebtBlue as very positive so far, despite being new to the program, which is set to last 36 months. If a friend asked, I'd tell them it's been going well. While I'm not finished with the program, the communication and service provided have been commendable. I would rate the experience as a solid 4 stars currently, keeping my final judgment open until the program concludes. In terms of customer service, I rate the initial representative a perfect 5 — his assistance was crucial and greatly appreciated during my challenging time.

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      Response from DebtBlue

      Hi Deon,

      Thank you for your stellar review! We are thrilled that you had such a positive experience with DebtBlue! Thank you for taking the time in sharing your feedback, we truly appreciate it!

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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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      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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      DebtBlue
      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.

      StaffTransparency

      Reviewed May 6, 2025

      I am very pleased with the service and how transparent the representative was regarding my inquiries and concerns. There is nothing hidden, your account is always available to you to log in and be updated with what is going on. Thank you Beverly for making my experience a good one, and thank you Debt Blue for working with me in these challenging times we are living in.

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      Response from DebtBlue

      Hi Smith Family,

      We are thrilled that you are so pleased with DebtBlue's service! Thank you for your stellar review and taking the time in sharing your feedback, we truly appreciate it!

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      StaffProcessTransparency

      Reviewed May 6, 2025

      DebtBlue is the simplest and most straightforward choice for managing my credit concerns. From the beginning, they walked me through every step, ensuring I understood the process without feeling lost.

      The overall experience has been impressive. They managed everything efficiently, providing me with my options without any hassle. Whenever new developments arose, they reached out to me proactively, relieving me from needing to initiate any contact. It's nice not having to deal with a lot of legwork on my part.

      The quality of service I've received so far has been excellent. Although I had a change with my account manager, which was more a personal adjustment than a company issue, everything else has been seamless. The team remains attentive and consistently on their game, making the experience pleasant and stress-free.

      I'm thrilled with DebtBlue's service and confident in recommending them based on my experience.

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      Response from DebtBlue

      Hi Catherine,

      We are thrilled that you have had such a positive experience with DebtBlue! Thank you for your stellar review and for taking the time in sharing your feedback, we truly appreciate you! :)

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      Customer ServiceStaffProcessTransparency

      Reviewed May 6, 2025

      When I got the process started with DebtBlue, the experience was great. The consultant was quite helpful and made the beginning seamless. However, since then, I've experienced a lack of communication that's been frustrating. I haven't heard from anyone in about two months, prompting me to make multiple calls to understand my status. Although I know I can check online, I find the information there confusing and not entirely clear.

      When calling, it's a mixed experience—sometimes I don't reach anyone, leaving my number on an automated system without getting a follow-up, while other times I talk with someone but find their answers unsatisfactory. Their online portal seems limited and doesn't provide much-needed clarity.

      In terms of payments, initially, they organized my payment plan, and there was an additional request from a creditor that I agreed to. Yet, despite paying for over a year, it feels like little progress has been made. Creditors continue to contact me, indicating unresolved issues.

      Overall, I'd rate my experience with DebtBlue as quite disappointing at the moment, and improvements in communication and transparency are needed.

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      DebtBlue
      Response from DebtBlue

      Hi Christopher,

      Thank you so much for taking time in sharing your feedback.  We apologize for the issues you have been experiencing with our service.  We are currently researching the details of your account and will be reaching out with a resolution to your concerns as soon as possible.  Thank you for your patience.

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      Customer ServiceStaff

      Reviewed May 6, 2025

      I needed to consolidate my bills and I'm satisfied with the agreement DebtBlue provided. The enrollment process was smooth, and I found the debt consultant over the phone to be very helpful. They were able to answer all my questions, which was great. I am happy with the terms they secured for me. Overall, it was a positive experience and I was pleased with the services provided by DebtBlue.

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      Response from DebtBlue

      Hi Heather,

      We are thrilled that you have had such a positive experience with DebtBlue! Thank you for your stellar review and taking the time to share your feedback, we appreciate you! We are happy to have you as part of our DebtBlue family! :)

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      Customer ServiceStaff

      Reviewed May 2, 2025

      I landed on DebtBlue after considering various options for managing my unexpected financial situation, which was caused by a coworker’s actions. Initially, I found them by researching online, and I was pleased with what I discovered. They provided exceptional support in helping me navigate the debt issue. I plan to pursue action against the individual who contributed to my financial distress, but in the meantime, DebtBlue has been a great help. Their customer service stands out; everyone has been kindhearted and accommodating, tailoring a payment plan that works smoothly for me. This level of care truly made a difference in my experience.

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      Response from DebtBlue

      Hi Linda,

      Thank you so much for your stellar review! We appreciate you taking the time in sharing your feedback and we are thrilled that you have had such a positive experience with DebtBlue! We wish you much success on this path to your financial freedom! :)

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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