Done With Debt Reviews
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About Done With Debt
Done With Debt is a financial services company offering debt relief plans for individuals with at least $10,000 in unsecured debt. The company can work with you to analyze your needs and negotiate with creditors on your behalf.
- No upfront costs or maintenance fees
- Most plans completed within 24 to 48 months
- Available nationwide
- Only accepts clients with over $10,000 in debt
- 25% contingency fee
- Temporarily lowers credit score
What is Done with Debt?
Done With Debt is a debt relief company based in Lake Forest, California, that is available across the United States. Its debt relief plans are only available to clients with over $10,000 in unsecured debt (e.g., credit cards, personal loans, medical debt and private student loans). It is not a debt consolidation loan lender and can’t help you file for bankruptcy.
How does Done With Debt work?
Done With Debt helps clients gain control of their finances by creating individualized debt reduction and repayment plans. Eligible clients work directly with an account manager who negotiates on their behalf to lower their total amount due and establish a manageable repayment plan.
- Provide basic information in an online form, including your total amount of debt, the sources of your debt, your employment status and the state you live in.
- Participate in a free consultation to see if you meet eligibility criteria requiring at least $10,000 in unsecured debt with at least $500 owed to each creditor.
- Once approved and enrolled, an account manager will analyze your income and expenses to determine how much you can realistically put toward your debt each month.
- Set up an FDIC-insured special purpose account and start making single, lump-sum monthly payments.
- You’ll temporarily stop making payments on your debt while your account manager contacts your creditors and negotiates on your behalf. All settlements must be approved by you in writing.
- Your account manager will begin to make payments to your creditors from your special purpose account. Depending on the total amount of debt, this settlement process can take anywhere from 12 to 48 months to complete.
Done With Debt services
Done With Debt’s main business is debt relief plans, which let you make a single monthly payment instead of separate payments to each creditor. Plans only work with unsecured debt, meaning there’s no collateral protecting the lender. Examples of unsecured debt include:
- Credit card debt
- Medical bills
- Private student loans
- Payday loans
- Personal loans
Done With Debt costs
There are no upfront costs — the preliminary debt analysis is free — or monthly maintenance fees. However, once you enroll and agree to a debt settlement plan, you’ll be responsible for paying a contingency fee. This fee averages 25% of your total enrolled debt, but the percentage can fluctuate between 20% and 30% depending on state laws. This is then folded into your new monthly payment and prorated over the payment term.
For example, if you have $20,000 in enrolled debt, the contingency fee would be $5,000. If your plan takes 36 months to complete, your total monthly payment would include an additional $138.89 ($5,000 divided by 36) for the contingency fee.
Done With Debt FAQ
How does Done With Debt affect your credit?
When you first enroll with Done With Debt, you stop making payments on your debt while your account manager negotiates with your creditors. This process typically takes one to three months. During this time, you’ll see a dip in your credit score. However, once payments resume, you should see your score start to increase as your debt is paid down and your utilization decreases.
How long does Done With Debt’s debt settlement program take?
Done With Debt’s debt settlement programs typically take 24 to 48 months to complete.
Where is Done With Debt available?
Done With Debt is available to consumers in most U.S. states, but the best way to find out if you’re eligible is to contact the company directly.
Is Done With Debt legit?
Yes, Done With Debt is a legitimate company that’s been in business since 2008.
Do we recommend Done With Debt?
Done With Debt is best for those who are ready to make a sustained effort to pay down their debt within one to four years. If you have over $10,000 of unsecured debt, a regular income stream and you’ve already tried unsuccessfully to pay it back, this kind of settlement plan may be a good option.
However, debt relief companies like Done With Debt don’t offer any guarantees that they will lower your payments. Also, if you’re struggling with secured debt such as car or home loans, this is not the right program for you.
Done With Debt Reviews
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- 4,694,809 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Reviewed July 6, 2025
My experience with Cynthia is amazing. I'm so happy she is there. It's really nice to speak to someone that speaks English and is located in the USA. Every time I need something, I call her and if she's not available, she calls me back as soon as she possibly can. It's really nice
Joyce, thank you so much for sharing this! We’re thrilled to hear how much you appreciate working with Cynthia—she truly goes above and beyond. Having someone who’s clear, responsive, and genuinely cares makes all the difference. We’re lucky to have her on the team! As always we're here for you every step of the way!
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Reviewed May 18, 2025
I entrusted Done With Debt with five of my credit cards. They've resolved two so far since I joined the program in October, and I'm currently waiting for them to tackle the remaining three.
The process involves handing over the details of my credit cards and Done With Debt assigns you a lawyer to manage everything. You communicate through them and update any creditor statements you receive on their website. They handle any court appearances or threats.
The payment structure is monthly, spread over four years. My original debt was around $59,000, and their fee brought it down to about $51,000, including the commissions. Since starting with them, I haven't paid or used those cards at all.
Regarding the experience, it's been incredibly comforting and has lifted a weight off my shoulders. I feel very secure working with Done With Debt. My satisfaction levels? On a scale of 1 to 5, I'd give the overall experience, and the convenience and helpfulness of the representatives I worked with a 5. However, the pricing I'd rate a bit lower at a 4. I found out about Done With Debt through SiriusXM and I'd recommend it to anyone in a similar predicament.
Diana, thank you so much for your thoughtful and detailed review! We’re honored that you entrusted Done With Debt to help you manage your credit card accounts, and we’re glad to hear that the process has provided comfort and lifted a weight off your shoulders.
We appreciate your honesty around pricing, and we understand that every case is unique. While your total was reduced from $59,000 to around $51,000—including all program fees—what matters most is that you're now on a clear, structured path to becoming debt-free, without the overwhelming interest and uncertainty that comes with juggling multiple accounts. For many clients, the real value is in the protection, guidance, and peace of mind we offer throughout the journey.
We’re excited to continue working with you to resolve the remaining accounts, and we’re grateful for your trust and recommendation. Thank you again for choosing Done With Debt—we’re with you every step of the way!
Reviewed May 12, 2025
They are always so nice and willing to help. I’m sooo thankful for peace of mind that they have given me. They answer every question and never make me feel like I’m bothering them. I’m glad I called a year ago and made this decision. I have referred my sister and she is finally getting relief that she needs as well.
Lorinda, thank you so much for your kind words! We're truly grateful to hear that you've found peace of mind through our program and that our team has made you feel supported every step of the way. It's our goal to make sure every question is answered with care and patience—never pressure. We're also honored by your referral and so glad your sister is getting the relief she deserves too. Thank you for trusting Done With Debt and for sharing your journey with others!
Reviewed April 22, 2025
We have been working with them for about a year now. (We have a lot of debt) It does take time to clean your debt. But the path and plan are clearly laid out. I recommended this company to others and they are so satisfied with the results. The results and relief are wonderful. You will be free!
Joanique, thank you for your thoughtful feedback and for sticking with us on this journey! You're absolutely right—getting out of debt takes time, but having a clear plan makes all the difference. We're so glad to hear you're seeing results and feeling the relief, and we truly appreciate you recommending us to others. Your trust and confidence mean everything to us. We’re honored to be part of your path to financial freedom!
Done With Debt Company Information
- Company Name:
- Done With Debt
- Address:
- 25541 Commercentre Drive, Ste. 200
- City:
- Lake Forest
- State/Province:
- CA
- Postal Code:
- 92630
- Country:
- United States
- Website:
- www.donewithdebt.com