Debt Aid USA Review [2024]

Getting out of a large amount of debt can feel like an impossible task. However, there are many debt relief options and resources available. If you’ve fallen behind on your repayments and have incurred penalties or late fees, Debt Aid USA offers programs that may help you.

While debt relief companies can help ease your financial stress, it’s important to thoroughly compare your options and read the reviews to ensure you’re working with a trustworthy company. In this Debt Aid USA review, we’ll take an in-depth look at the services this company offers, its costs, online reviews, and the pros and cons.

How Does Debt Aid USA Work?

You can contact Debt Aid USA for a free consultation. A team member will start by understanding your goals and offer recommendations based on your situation. The company claims that it uses a proprietary financial health analysis tool that allows it to offer customized guidance to each client.

If you’re a good candidate for debt settlement, you can enroll in the program. For a debt settlement program to work, you’ll have to agree to stop paying your lenders so you can make monthly payments to a separate savings account. Debt negotiations will begin, and if your creditors accept the settlement offer, a lump sum payment will be made to settle your account.

Pros and Cons of Debt Aid USA

Debt settlement, or any other type of debt relief, can impact your finances and credit score. We recommend carefully weighing the pros and cons to make an informed decision.

Pros 

• You may be able to settle your debts for less than you owe
• You may be able to pay off your debts faster
• You won’t receive any debt collection calls once your debts are settled

Cons 

• The company is not accredited by the Better Business Bureau (BBB)
• It has no reviews on any third-party review sites
• The website doesn’t provide any information about the company
• No information about the fees it charges

Services Offered by Debt Aid USA 

While Debt Aid USA’s website doesn’t provide information clearly, we were able to see that the company offers three different forms of debt relief:

• Debt Elimination: Debt Aid USA claims that this is an attorney-backed debt relief method that involves verifying your unsecured debts and making one low monthly payment to become debt-free in 24 months or less.
• Debt Settlement: You can enroll your unsecured debts in the company’s debt settlement program to settle your accounts for less than you owe. You can enroll unsecured debts, such as credit card debt, personal loans, private student loans, medical bills, and payday loans in the program.
• Debt Consolidation Loans: While Debt Aid USA doesn’t appear to be a direct lender, it may offer debt consolidation loans through its network of lenders so you’ll have a single payment each month, ideally at a lower interest rate.

Costs and Fees

Debt Aid USA’s website doesn’t have any information about the costs associated with its debt relief programs. We also weren’t able to find this information elsewhere during our research.

Debt settlement companies usually charge 15% to 25% (debt enrolled or debt settled). Debt Aid USA’s settlement fees may be within this range. These companies can’t legally charge upfront fees, so you’ll only pay upon successful settlement.  

Time To Complete the Program

In most cases, debt settlement programs take 24 to 48 months to complete. However, the process can take longer if you have a lot of debt, if debt collectors are not willing to negotiate, or if you can’t afford to make larger monthly payments toward your settlement.

Expected Relief Amount

A good debt negotiator can help you save approximately 50% of the debt you owe. However, this will also depend on how willing your creditor is to negotiate.

Keep in mind that these savings are before fees. You’ll also need to account for 15% to 25% of settlement fees, which can bring down your overall savings.

Customer Service Options

You can fill out a contact form on Debt Aid USA’s website to ask questions or to receive a free assessment. Here are a few other ways to contact the company.

Phone Number: 888-803-9114 (Monday to Friday: 9 AM to 9 PM, Saturday: 10 AM to 4 PM)

Email: info@enrollcreditcards.com

Address: 15615 Alton Parkway, Irvine, California 92618

Debt Aid USA Reviews and Feedback

Regardless of which debt settlement company you work with, it’s important to read their reviews online. Here’s what we could learn about Debt Aid USA while analyzing its reviews online.

Debt Aid USA Reviews on Google

Debt Aid USA does not have a Google Business page where clients can leave reviews.

Debt Aid USA Reviews on Better Business Bureau

Debt Aid USA is not BBB-accredited and does not have a profile on the platform.

Debt Aid USA Reviews on Trustpilot

The company also doesn’t have a profile on Trustpilot. We noticed that it’s extremely difficult to get any information about this company online, and there are no reviews from clients on any platform.

Debt Aid USA Reviews on Reddit

We were able to find one Reddit post about Debt Aid USA. While it isn’t a review of the company, the post shares the user's experience with debt assessment. Here’s what the post says:

“Just got off the phone with a consultant and it sounded legit. He told me he was going to email me with a quote and did not want to enroll me in the program if I cannot afford it so he will follow up next week. He did not ask me to make any payment first but instead he rather send me a quote before proceeding to see if I will be able to afford it. I’m in $15,000 in debt and just thinking about these settlement programs stress me out.”

How Debt Aid USA Compares to Other Debt Relief Companies 

If you’re interested in debt settlement, there are many companies that offer the service. We recommend comparing the programs of at least three different companies and their fees to decide which one is the most suitable for your financial needs.  

Is Debt Aid USA Worth It?

With little information available on how Debt Aid USA works and no online reviews about the company, it may be best to work with other providers with a larger presence and a good track record of helping borrowers deal with their debts.

Take a look at reviews on other companies like Freedom and Accredited Debt Relief to help you make an informed decision about the best options for your financial situation.

While debt settlement is an effective way to resolve your debts, there are other debt relief services to consider, such as non-profit credit counseling, debt management plans, debt consolidation, and bankruptcy. Depending on your financial situation, one of these options may be better suited for your needs.