Debt.com employs journalists, financial experts, certified credit counselors, and industry veterans to create consumer education, self-help guides, and professional solutions related to debt, among other financial matters. They also refer consumers in need of debt solutions to providers in their area that offer relevant debt counseling services.
Through their services, Debt.com has helped half a million Americans across all 50 of the United States resolve more than $850 million in debt.
Debt.com also has accreditation and an A+ rating from the Better Business Bureau, as well as an “Excellent” 4.5/5 rating on Trustpilot based on 125 customer reviews.
Debt.com serves as a knowledge base, tool resource and referral network that Americans can use to reduce interest charges, lower your monthly payments, and connect with accredited debt resolution services.
Whether you’re beginning to struggle or are months behind on your payments, Debt.com offers services for people with $1,000 to $100,000+ in:
- Credit Card Debt
- Student Loan Debt
- Back Taxes
These debt solutions services include:
- Debt Consolidation Loans
- Debt Resolution
Outside of managing your debt, Debt.com can also help with fixing credit.
While Debt.com doesn’t offer these services itself, they instead match people seeking these services with companies that offer them.
According to Debt.com, they uphold the quality their affiliate network by having all companies they work with sign their “Code of Ethics”, only working with companies that are highly rated by the Better Business Bureau and constantly monitoring their clients’ satisfaction with these companies
Beyond connecting you with the debt services you need, Debt.com also offers a wide variety of knowledge-based and news articles related to debt resolution. You can even request their team of experts to cover a specific topic in the form of an article or guide. This information is so in-depth that, if you choose, you can use this information to navigate your debt situation yourself without having to connect with any professional services.
For example, Debt.com offers such educational guides as:
- How to Get Out of Debt
- How to Pay Off Debt
- How to Consolidate Debt
- How to Stay Out of Debt
Beyond their knowledge base, Debt.com also offers a number of free calculators you can use to better handle your debt. These include:
- Credit Card Payoff Calculator: Plug in your payment information so you can find the best way to pay off your debts.
- Debt Comparison Calculator: Compare 4 options for getting out of debt by time to payoff, total cost, and monthly payment to find the best solution for your needs.
- Debt-to-Income Ratio Calculator: Compare monthly debt payments to your paychecks to see if you’re stable or need help.
- Personal Loan Calculator: Find a monthly loan payment you can afford and assess the total cost of borrowing with interest charges included.
With an understanding of everything Debt.com has to offer, using them to navigate your debt situation consists of just three steps:
- Tell them what’s wrong: Debt.com’s resolution specialists will evaluate your debt, credit and budget for free to help you identify the best solution (or solutions) for your needs. You can either provide this information online through their analysis tool or to a Debt.com representative directly over the phone.
- Connect with top-rated companies: Debt.com will then take your information and connect you with their accredited providers offering services you need. They take your ZIP code into consideration so that they only show you the services available in your specific area.
- Get a clear path forward: With Debt.com’s vast knowledge base and available services presented to you, you can begin to navigate your debt situation in the right direction with the help of Debt.com’s professional support.
Accessing Debt.com’s huge debt resolution knowledge base is completely free. All of their tools, including all of their debt calculators, are also free to use.
However, upon enrolling in any debt resolution service referred to you by Debt.com, you can expect to pay all the standard fees associated with that particular service. That said, because Debt.com isn’t the provider of these services, it’s impossible to say exactly what you can expect to pay.
Generally speaking, the fees you can expect to pay upon settling through one of these services depend on a number of factors, including:
- Your credit balances
- Your ability to contribute monthly escrow payments into your program
- The amount that can be reduced from your balance
- How quickly it can work with your creditors to reach an agreement
- What fees your debt resolution firm charges you
Debt.com’s huge selection of free guides, articles, and tools gives you everything you need to successfully navigate your debt situation on your own. However, if you need a little help, Debt.com can just as easily connect you with professional services for expert guidance.
If professional guidance is more what you’re looking for, you can fill out their debt analysis tool and see what services are available in your area for free.