Debt Free America Review [2024]

If you have a mortgage, several credit cards, and other debts and are finding it difficult to keep up with all the payments, you may be looking for a solution to ease the financial burden. While debt relief may help you resolve some of your debts, it’s important to compare your options, learn how it works, and whether it’s right for your financial needs.

Debt Free America is a debt relief company that makes impressive claims to help borrowers completely eliminate their debts without spending an additional $1/month. It claims to help you pay off your mortgage in seven to nine years with the income you already have. Is it too good to be true?

In this Debt Free America review, we’ll examine this company's operations and claims in depth.

How Does Debt Free America Work?

Debt Free America has a free quiz on its website that takes you through a series of questions to determine if you qualify for the program. However, you’ll need to provide your email and other contact details to receive any information.

There’s no clear information on the website about the debt relief program it offers. The short FAQ section states that their program is not debt consolidation or debt settlement, and it doesn’t require mortgage modification or HELOC.

While most debt relief programs can help you with unsecured debts like medical bills and credit cards, Debt Free America claims that all types of debts are eligible for their program, including mortgages. The website states that you can eliminate 100% of your interest payments without spending an additional dollar, but there’s no factual information available to back up these claims.

Pros and Cons of Debt Free America

Although Debt Free America’s program may seem like an attractive option, we recommend weighing the pros and cons to determine if it’s right for you.

Pros of Debt Free America

• Claims to eliminate all types of debts, including your mortgage
• Claims that you can pay off your mortgage in seven to nine years
• The website states that you don’t need to spend an additional dollar to become debt-free

Cons of Debt Free America

• There’s no information on the website about what type of program they offer
• No information is available about the program’s cost
• It is not accredited by the Better Business Bureau (BBB)

Services Offered by Debt Free America 

From the information we were able to gather on the company’s website, it seems that Debt Free America offers a program that works for secured as well as unsecured debts. It isn’t clear what type of program they offer and how it works since most debt relief methods (other than bankruptcy) only work with unsecured debts.

The website states that it can eliminate debt quickly and that it can work even for borrowers with bad credit scores. It also states that it isn’t a refinance or a bi-weekly payment program and that it doesn’t involve any kind of mortgage modification.

Costs and Fees

Debt Free America’s website has a single page with no information about the costs involved with enrolling your debts in the program. However, it does state that you won’t have to spend a single dollar more than what you’re currently paying for debt repayment.

Customer Service Options

The company’s website does not provide any phone numbers, emails, physical addresses, or any other means of getting in touch. However, we were able to find this information on the Better Business Bureau’s website.

Phone Number: (480) 731-9600

Address: 2153 E Cedar St Ste 3, Tempe, AZ 85281-7411

Debt Free America Reviews and Feedback

While there isn’t much information to be found on the company’s website, here’s what we could learn from customer reviews on review sites.

Debt Free America Reviews on Google

Debt Free America doesn’t have a Google Business page where customers can leave reviews.

Debt Free America Reviews on BBB

The company is not BBB-accredited and has a B- rating on the platform. It has 1/5 stars from 10 customer reviews as of August 2024.

Reading the customer reviews on BBB, we were able to uncover several issues, such as prospects receiving robocalls, receiving several calls a day, and asking for personal information over the phone. Here are two reviews we found on the platform:

“Fraudsters trying to get your information to sell to overseas scammers. Cursed at me when I refused to give personal information.”

“These people are ruthless! They scammed me so badly and foolishly I fell for it but when I finally caught on I had to close out my credit cards, notify all three credit agencies and my bank. I am a senior citizen but thought I was pretty savvy until this happened. My phone can ring off the hook but ***** never fall for this again. These sharks should rot in Hell!”

How Debt Free America Compares To Other Debt Relief Companies 

It’s difficult to compare Debt Free America to other debt relief companies since it isn’t clear what type of program they offer. However, you’ll be able to see how they stack up against other, more well-known debt settlement companies in the table below.

Is Debt Free America Worth It?

Debt Free America makes big claims about helping Americans completely eliminate all types of debts, including credit card debt, auto loans, mortgages, and student loans, without having to pay anything other than your current monthly payments so you can enjoy debt-free living.

However, the lack of transparency on their website and the scant information available online makes it difficult to determine whether there’s any truth to these claims. The few online reviews we were able to find point to issues such as prospects receiving multiple robo-calls a day.

It’s important to thoroughly vet any debt relief company you work. We recommend checking out reviews from other debt relief companies like Level One Law and Accredited Debt Relief that will provide insights into customer experiences and can help you make a more informed decision.

If you have large credit card balances, you may be able to pay down your debts using the debt snowball or debt avalanche repayment method. Nonprofit credit counseling is also a good option for financial advice. Other helpful options include debt management plans and personal loans for consolidation.

If you’re looking for legitimate help with your debt, we recommend working with other debt relief companies that have a proven track record of success to help you achieve your financial goals.