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Debt RX Review: How Helpful Are They?

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Debt RX Review: How Helpful Are They?
DebtRx Debt Relief Review

With over 25 years of experience, Debt RX is specialized in debt settlement, consolidation, and rate reduction. It is A+ credited by the better business bureau and is considered by many as the most reliable experience debt settlement company. Debt RX has high standards in debt settlement and negotiations and they truly abide by them. Continue reading to know everything Debt RX offers.


No upfront fees
Free consultation
Reduces your interest rate


Not available in every state
May impact your credit score
Requires a minimum $10,000 of unsecured debt

Quick Stats

Credit Score Impact
Not Available
Average Net Savings
BBB Rating
15% - 25%
Minimum Debt Required
Money-Back Guarantee
Not Available
24-48 Months

Debt RX

Debt RX may not be the largest debt relief company out there because they are proud to focus on personal attention and service existing customers than enrolling new ones. Debt RX believes many companies who have focused on expanding on their customer's numbers were bound to fail for not being able to be there for all of them.

Debt RX offers a variety of debt relief services that could be helpful for you. All you need to do is to fill their online qualification form and see how much you could save with one of their programs. After that, you enroll, and Debt RX will do the rest.

Debt RX does not require you to pay any upfront fees, and it recommends you do not pay any to a company that does require them. Their fees, however, do subject you to pay from 15% to 25% of your debt, depending on your loan terms and status.



Debt Settlement and Negotiations

Debt RX has an experienced team of debt negotiators that have settled millions of dollars of unsecured Debt. So how do they do it? By negotiating the balance you owe your creditors as they devise monthly savings plan to convince them of a deal. In addition, debt RX offers a free with no obligation analysis of your debt status.

Debt settlements and negotiations will earn you a new deal or loan terms to pay less than you actually owe to your creditors with a decreased interest rate. Debt RX can help you save up to 50% of your debt. Unfortunately, it cannot promise to end all collectors' calls, but it can reduce them to a minimum as there is a legal number of times they could call you and at certain times.

Debt RX offers a variety of other services that will surely help you out if debt settlement is not the best option for you. 

Avoiding Bankruptcy

On Debt RX's learning center, they explain to you the consequences of bankruptcy, and they advise against it. In addition, they offer Consumer Credit Counselling (CCC) programs, which are a common alternative to bankruptcy. Under the CCC program, your creditors may be willing to reduce your interest rates, may stop collection calls, and waive over-limit or late fees.

However, CCC programs will affect your credit rating, and only about 30% of people who enroll in it actually complete the program. Therefore, failing to complete the CCC program, which usually lasts for about 4-6 years, will put a red flag on your credit report.

On the other hand, if filing for bankruptcy is your best choice, Debt RX will guide you through it and explain to you all you need to know, from its requirements to its consequences.

Debt Consolidation Loans

Debt consolidation loans are an option that allows you to take one larger loan to pay off your smaller debts. This way, you consolidate your debt and make one smaller payment. The catch, however, is that you may need a high credit score to be able to do so, and you may have to use your home as collateral.

When you apply for debt consolidation, your new interest rate will be the average of your previous debt rates. For instance, if your previous ones were 8% and 6%, your new interest rate will be 7%.

There are also two types of debt consolidation loans, private loan consolidation, and federal loan consolidation.

Federal loan consolidation. Federal loan consolidation is only available for government-issued loans and has certain benefits such as deferment and forbearance, income-driven payment plans, and forgiveness programs.

Private loan consolidation works with private lenders, your new loan interest is calculated in the same way, and everyone is eligible to apply. If your loan, however, is government-issued and you apply for a private loan consolidation you will lose all the benefits you would be entitled to in federal loan consolidation.


Guide to Avoid Settlement Scams

Debt RX also wants you to avoid any debt settlement scams from fake companies who just want to take your money. Its learning center offers a guide to avoiding settlement scams, find its brief below:

Step 1: Check the website's history on a website registrant like Under the WhoIs search, you can search the website's name and see for how long it was active.

Step 2: Check their BBB record. Plus, when their BBB file was opened and if there are any unanswered complaints.

Step 3: Search if the company is part of a trade organization. Being part of a trade organization means the company is able to pay a fee to belong. Thus making it stable and active enough.

Step 4: Compare debt settlement plans with other companies. If your company requires an upfront payment, Debt RX names it a red flag, and you should probably go for one that does not require an upfront payment.

Customer Support

Customer support for Debt RX is only available through a phone call and email.

  • Phone number for non-clients: (866) 601-7857
  • Phone number for existing clients: 800-395-5353
  • Email for general inquiries: [email protected]


Debt RX will help you create financial stability; all you need to do is take the first step and make a call. Debt RX has debt settlement and consolidation plans that will help you the best way it can. Its A+ is credited from the BBB and 4.5/5 rating from many customers who praised its services. In addition, it will tailor a personalized plan for you to help with your debts, reduce the collection calls you get, and finally, yet importantly, reduce your interest pay rates.

How long till I settle my debts with Debt RX?
Does Debt RX have any fees?
Do I have to pay for consultation?
Will I still get calls from collectors and creditors?
Will Debt RX help me settle my auto loan?
How long will a counseling session take?
What is the minimum debt amount Debt RX will help me with?

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