DebtBlue Reviews

I didn’t ever have any issues with them. They asked me which cards I wanted help with, calculated an amount, and told me how long it was gonna be for me. I never got frustrated with them. They were able to answer my questions. If they weren’t, they passed me on to someone who was able to answer. If I missed a payment, they were pretty nice about it. I had a portal that showed me where they were at with negotiations. That was pretty cool. They called me if they were able to negotiate with a company or when we’re about to close on a card. They did what I needed to have done and made it relatively painless.

I also learned some things from them along the way. They would throw money in their account and let that do its thing while they were negotiating with the companies to get payments down. That made me want to make different accounts, so that way, the money can pull from there. Now I have different accounts that do different things instead of holding everything in my checking.

They said they normally like to do a 36-month or a 48-month, so that’s what I got quoted first. But I was thinking of getting it down to the payment that I feel comfortable with and then if I can pay extra, I will. I do daycare so I have a lot of money coming through monthly, depending on what kids I have. Sometimes in the summer, I take on another provider and my income doubles, but sometimes it doesn’t. It depends every year. I knew in advance that my income was gonna be a little bit lower so I had to adjust somehow. They worked with me every bit of the way.

I enrolled in the 60 months program in May but not all of my credit cards are settled yet. I understand that takes time, and I’ve got to build up my account with them. But I thought I would have been more settled by now. If I were to dump thousands of dollars, this stuff would get settled more quickly. But they just take out the monthly, so it’s a give and take and I knew that going in.

It’s a great program to have for people that was in my situation and have their income fluctuate the way it does. We ended up getting in another house and it’s been a mess. Financially, we were in the position to do it, and if people can just bite the bullet and pay it off themselves, that’s what they need to do. But if they’re gonna be in a tight spot for around two years, the program’s worth it. But for any consolidation, people need to be aware that your credit rockets down and it is not in a good way. It’s gonna take me forever to build my credit back up.

As a matter of fact, I called this week and told them I had concerns. I want to know how long I’m going to pay because I had a choice of paying little and taking it for so many years or paying them more, and I told them I wanted it for two years so I could be over and done soon. I thought I was almost done, and I was kind of happy. When I called this week, they told me I still have a year and a half. To be honest, I also don’t know anything about the fees, which is why I’m kind of confused because I thought I was almost done paying, and I wasn’t.

Overall, I’d still tell a friend or a family to try DebtBlue to see if they can help you because they did a couple of my accounts pretty quickly.

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.

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.