DebtBlue Reviews

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Updated Jun. 09, 2026

By: Tammy Burns

+1 more

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.

Still have questions?

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.