Dealing with high-interest credit card debt and loans can be overwhelming, especially when there are so many options available when it comes to debt relief. If you need financial resources to help you accurately understand how debt relief programs work, who they’re for, and whether they’re right for you, Debt dot org may be a good option to consider.

Debt dot org is a financial resource website that offers thorough and accessible information to help those who want to get out of unsecured debt, build good money management habits, and secure a solid financial future. In this detailed review, we’ll examine the company's services, whether it offers debt relief programs, and its pros and cons.

How does Debt.org work?

Debt.org provides a wide range of free resources, tools, and articles on topics like retirement planning, reducing debt, and student loans. Whether you need help with budgeting, repayment plans, or credit repair, you can find information and resources on their website.

You can use the information on the website to learn more about the options that fit your financial situation. You can also contact the company through the website to connect with a debt specialist. Once you provide more information about your situation, your debt specialist can discuss the options available to you and create a personalized strategy.  

Your debt specialist can direct you to programs like student loan consolidation, debt management plans, debt consolidation, debt settlement, credit counselors, and bankruptcy.

Pros and Cons of Debt.org

Consider these pros and cons of working with Debt.org for debt resolution.

Pros 

  • Wide range of free online tools and resources
  • A large library of informative articles
  • No fees
  • Free consultation with a debt specialist
  • Can connect you to service providers that offer debt relief options

Cons 

  • Is not a direct provider of debt relief services
  • Has very few reviews with the Better Business Bureau (the BBB) and on Trustpilot

Services Offered by Debt.org 

It’s important to note that Debt.org is not a debt relief company. Instead, it’s an online resource for those who want financial education. However, it also offers free consultation for those who want to understand their options. When you speak to a debt specialist at Debt.org, they may connect you to one of their affiliated service providers that offer services such as debt consolidation loans, bankruptcy consultation, tax debt relief, debt settlement, and more.

Here are the service providers they work with:

Costs and Fees

It doesn’t cost anything to access the information, tools, or resources on the Debt.org website. You can also get a free consultation online. However, the services that you see listed on the website are offered by companies that pay a marketing fee to Debt.org when you click to visit their website or when you sign up for their services.

This means that you won’t pay anything to Debt.org. However, if you enroll in a debt relief program through their website or based on their recommendation, the company may earn a marketing or referral fee from the company you work with in return for you doing so. You will, however, pay any applicable fees directly to the debt relief company you signed up with.

Time To Complete the Program

Debt.org doesn’t offer programs directly. However, it can direct you to a program that fits your needs. The time it takes to become debt-free will depend on the type of program you sign up for. For example, debt settlement usually takes 24 to 48 months to complete.

Debt management plans typically require payments for three to five years. If you’re borrowing a debt consolidation loan, you’ll usually have to make payments for two to seven years to pay off the loan.

Expected Relief Amount

The amount of relief you can get will also vary with each program. With debt management, you’ll benefit from interest rate reductions and late payment fee waivers on credit cards and other high-interest loans. With debt settlement, you may be able to save as much as 50% of your debt before fees.

Customer Service Options

If you’d like to get in touch with Debt.org for a free consultation, here are the contact details:

Toll-Free Phone Number: (866) 612-9971

Address: 5750 Major Boulevard, Suite 350, Orlando, FL 32819

Debt.org Reviews and Feedback

While Debt.org is a good resource for information, it’s still important to read the reviews of the company online.

Debt.org Reviews on Google

The company has 4.4/5 stars from 55 Google reviews as of August 2024. The one-star reviews were from those who were unhappy with being put on a marketing list and receiving unsolicited calls. Here’s one such example:

“I just needed instant online info, not to be put on a marketing list and get pitched.”

The positive reviews are from clients who were happy with the prompt answers they received from the company and the information they were able to gain from the website. Here’s one such review we found:

“I needed immediate help and I emailed Mr. Bill Fay. He answered my question plus more when it came to my deceased husband’s debt from his job. Thank you Mr. Bill.”

Debt.org on Better Business Bureau

Debt.org is BBB-accredited and has an A+ rating on the website. It also has 5/5 stars from 4 customer reviews.

All four reviews on BBB have a 5-star rating and are from those who were happy with the advice they received and with the quality of information posted on the website. Here’s an example:

“I contacted Debt.org with an unusual problem, not really related to debt, but another financial issue.They were very responsive to my email and gave me some good advice. Their web site is full of great information and the gentleman that I dealt with seemed to really care. Thank you.”

Debt.org Reviews on Trustpilot

Debt.org has 4.1/5 stars from six reviews on Trustpilot as of August 2024. Some of the reviews highlight prompt responses and the helpful representatives employed by the company. Here’s one such review we found:

“I saw this company on a TV commercial about how to live a debt free life. I can't really say Debt.org has specifically helped me in my situation but they have been instrumental in assisting me in finding ways to help clear my debt. The representatives that work there are very informative and helpful. When I emailed them I received a response promptly the same day. Great customer service and feedback. I look forward to getting out of debt and staying out of debt.”

How Debt.org Compares To Other Companies 

Debt.org isn’t a debt relief company and doesn’t offer any services in-house. While we can’t draw a comparison of Debt.org with other debt relief companies, there are a few other companies that do provide educational resources and free consultation.

Ascend Finance, for example, is one such company that offers comparable services. Both these companies can provide you with free debt consultation and can connect you with service providers that offer debt relief services that fit your needs.

Is Debt.org Worth It?

If you’re struggling to keep up with monthly payments and are looking for more information about how different debt relief programs work, Debt.org has a lot of informative articles that may help. It’s also a good choice if you want to speak to someone about your financial situation and get advice about which solutions may be the most suitable for your needs.

However, Debt.org doesn’t offer in-house debt relief services. If you decide to go ahead with nonprofit credit counseling or decide to use debt settlement, debt consolidation, debt management, bankruptcy, or any other option, you’ll need to work with a company that offers these services.