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You May Resolve Debt in as little as 24 – 48 months

Low Monthly Payment & No Upfront Fees†*

†Clients that are current in program typically see at least one enrolled debt resolved.

A+ BBB Accredited Business

As Seen On

  • CNN
  • MSNBC
  • FOX
  • CBS
  • SuperMoney

We Can Help

  • Reduce Your Debt Balances

  • Attain Financial Independence

  • Avoid Bankruptcy

  • As Little as 24-48 Months

  • One Low Monthly Payment

  • No Fees Until You Succeed*

What Others Say About Us

Tony was very accommodating with my client and I. Wealth of knowledge, clear, concise and detailed oriented. Keep up the great work and thank u for your help with my client's needs. Appreciate it and looking forward to doing more business with u and the rest of the team. Let's make America great again! Take care cause I care and God bless u and your family!

Walter Luares

Trustpilot · Mar 24, 2025

“It has been a great experience for me so far.”

The clarity of the presentation by Bernie Melendez on how the program work was well explained. The journey so far has been great. My only concern is the agent need to have a direct cell phone to reach them. Thanks for all you do to help humanity.

Edosa Edokpayi

Trustpilot · Jan 16, 2025

“Great First Time Experience”

Roberta Settle is my contact at Debtmerica. She helped walk me through the procedure on how to register myself as a new referral agent and get the ball rolling towards submitting my first referral. Looking forward to referring more clients to help them eliminate their debt.

Carmelita Carr

Trustpilot · Jul 26, 2024

I would recommend Debtmerica because I had a family member who was behind on a couple payments and had racked up about $14,000 in debt. Debtmerica's specialists talked her and me through the steps to help relieve the stress of looming debt and how to control it so it doesn't get anymore bigger. They put her on the plan that was right and comfortable for her and her debt needs getting her life back and being financially free to make her own choices. With a money-back guarantee and a monthly fee of 0$, she felt well taken care off in expert hands and decades of debt experience.

Khaila J.

SuperMoney · Jan 15, 2021

Experience is king in the relief industry, Debtmerica has been in business for 15 years and going. Debt america employees debt resolution specialists trained and accredited by (IAPDA), its a relief having the best people in the field handling your affairs. The icing on the cake is Debtmerica is a member of American Fair Credit Council.

Edwin K.

SuperMoney · Jan 2, 2021

Debtmerica Relief Debt Settlement Companies seeks to find outstanding and negotiate outstand balance with customers. It is a company founded in 2006. With a minimum debt balance requirement of $10,000 assistance can be tad steep but its possible if you have an accumulated amount of outstanding debt for them to help lower. The company does have some complaints online but one can only go by an individual experience with such a style company as each case will vary with assistance drastically.

Matt P.

SuperMoney · Dec 1, 2020

Thank you for the debt relief package. It was a different experience for me at first and I am glad I chose you. Thank you for the support, advice and swift response. A great communication and follow-up. I will keep recommending you to friends and family.

Paul B.

SuperMoney · Oct 23, 2020

Not long ago I needed to consolidate debts and get a lower monthly payment. At first I was skeptical about their service, but their representatives were very forthcoming. The result was they negotiated with some creditors and got better terms. Kudos to the team at Debtmerica for their excellent service.

Sarah D.

SuperMoney · Oct 14, 2020

It was a really tough decision paying a company to relieve our debt, but I am glad we decided to do it with Debtmerica. They not only helped us with debt, they also helped us figure out a budget for every month and also helped us get into the habit of putting some money into savings.

Anonymous

SuperMoney · Jun 17, 2015

After being laid off I was going to keep my good credit because potential employers won't hire dead beats. So I paid on my almost $30,000 worth of credit card debit like a good debtor. Well during that time there was a period where the government was trying to decide if they were going to extend unemployment. That lasted about eight weeks. Some happened during that time I could not pay my bills any more and I discovered that it did not hurt to not have good credit. That's when I decide that I need help. I am now in the finaly stretch of payin off everything. The feeling of knowing that in 2014 will be the first time since 1990 I will not have any more credit card debit. Oh what a beautiful feeling.

Stephanie T.

SuperMoney · Apr 2, 2014

My consultant was so easy to talk to. He really made it easy for me to talk about the difficult subject like credit. I learned so much! He was very informative and best of all, he save me money, in a very real way. Now I have breathing room, and I didn't have to declare BK! I just wanted to get my credit in order and they really took care of me. I cant stop telling my friends or family about them!

Omar A.

SuperMoney · Oct 10, 2013

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More Testimonials

Why Choose Us

A+ BBB Accredited Business

Debtmerica is proud to hold an A+ rating with the Better Business Bureau, reflecting our commitment to trust, transparency, and helping clients navigate debt relief with confidence.

Debt specialists

Experts On Staff

One of the most experienced teams of Professional Debt Specialists in the business. You are in good hands with our debt resolution experts.

No fee guarantee

No Fee Guarantee*

If enrolled in one of Debtmerica, LLC’s performance based programs, Debtmerica, LLC will not receive any fees until the terms of your debt have been altered with one or more of your creditors.

Secure and trusted

Secure & Trusted

Debtmerica Relief is committed to providing a safe and secure site that you can trust. We take your privacy seriously. We do not sell or share your information with third parties.

Top Articles to Help You Lead A Debt-Free Life

Debt Consolidation

“Debt Consolidation” is one of the most commonly misunderstood personal finance strategies. Some people mean a new loan. Others mean a relief alternative. The difference matters.

Debt Relief

Debt relief is a partial or total forgiveness of debt. The phrase now also describes consumers looking for relief from unsecured debt.

Credit Card Debt

Credit card debt is unsecured consumer debt. Balances grow through interest and penalties when the cardholder does not pay the company back.

Debt Settlement

Debt settlement programs use a third party to negotiate lower balances and interest rates on unsecured debt, as an alternative to bankruptcy.

Credit Counseling

People who mostly have their finances in hand, and still want help managing a debt burden, sometimes look at consumer credit counseling.

How Do I Get Out of Debt?

There are several ways out of debt. Each has benefits and drawbacks that depend on how quickly someone needs a change.

10 Tips to Avoid the Debt Trap

Why so many households struggle, why lenders keep lending, and how debt problems connect to stress at home.

Credit Management

Interest and late fees can make minimum payments feel endless. A budget and some discipline can reduce or eliminate the debt.

Credit Card Debt Reduction

Many Americans are trying to cut card balances and need a practical place to start. Several options exist.

Credit problems

Paying balances down is one of the better ways to improve credit problems. About one-third of a score comes from utilization. A common target is 30% or less of available credit.

Low Monthly Payment & No Upfront Fees†*