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Our Score



Great debt settlement services


Reasonable timeframes


Great education resources



High minimum - $10,000


Not many technological resources on website – portal slightly outdated

If you find that you have been overwhelmed by the amount of debt you have, you’re probably trying to find the best solutions possible. If you have unsecured debt, such as credit cards or personal loans, you probably feel like your options are quite limited. The reality is that you have a few different things you can do to reduce your overall debt burden. You can consolidate all your current unsecured debt into a single loan which can help ensure that you don’t have to pay a range of different payments at different times each month. You can also refinance the debt when you consolidate it to make sure that you don’t have to pay as high of an interest rate as you currently are.

But what if you don’t have a high enough credit score to be able to get a consolidation loan from a lender? Many people may think that they will have to give up – this isn’t the case. Debt settlement is another option that you can use to get out of your debt problem. You can negotiate with your lenders to settle on you paying significantly less than you owe. You might be able to do this on your own, but there are companies that actually help you settle your debt – they’re experts at talking to lenders and know how to get the best deals possible.

One company that has become extremely good at this service is Debtmerica. Unfortunately, they don’t offer debt consolidation loans. But they do offer settlement and a range of educational tools. We’ll explore their services in more detail below.


Debtmerica is a debt settlement company based in Santa Ana, California. Founded in 2006, the company focuses on helping American consumers reduce their debt into a lower monthly payment than what they currently have. In most cases, customers experience an average debt reduction rate of 29 percent, depending on the type and amount of debt they have and who owns that debt.

In business since 2006, Debtmerica offers real debt consolidation solutions for their clients. The company website features a number of actual client testimonials that offer praise for services rendered. Every client that is currently enrolled in the program has at least one debt account that Debtmerica handles.

Along with customer testimonials, Debtmerica also lists contact information for potential clients and a physical address in California. Their management team with credentials for each individual is also clearly placed on an about page. At face value, Debtmerica is a legitimate and trustworthy company. This may seem like overkill, but there are plenty of predatory companies operating in the space so it is important to make sure you know who you are working with.

In terms of results, Debtmerica sits at about an average place amongst those who work in the industry. They also take an average amount of time to get your results – between 24 and 48 months, which is in line with the rest of the industry.



In order to truly understand if you will be better off working with Debtmerica, it’s important to make sure that you’re fully aware of the reputation they have with past clients. People often assume that because a company has a fancy website that they are legitimate and ethical. Many debt settlement companies are preying on desperate people who want to get out of debt quickly – they know you’ll do anything to improve your situation. That’s why it’s important to make sure that you know as much as possible about what customers have thought of their services. We’ve checked out some of the most popular consumer watchdog websites to try and understand what the general consensus on Debtmerica is.

Like many debt relief companies, Debtmerica has its share of both positive and negative reviews.

According to a leading review website, Debtmerica currently has a rating of 9.2 out of 10. The vast majority of clients who have posted reviews on this website have reported that the debt settlement service is extremely useful and effective. Some complaints indicated that debt consultants would often fight over clients, which can be a major turn off for consumers.

Debtmerica also has a positive rating of A+ with the Better Business Bureau. Over the last three years, the company only had one complaint, which was effectively resolved with a minimal refund to the customer.


Consumers Advocate, an independent review website, also gives Debtmerica a positive rating of 4 out of 5 stars. The biggest complaint received by them is that the services don’t always reduce debt as much as each client would like. Customer service and pricing are highly rated here.

Different review websites feature average ratings of various levels for Debtmerica. Overall, the majority of consumers have been extremely pleased with the level of service provided by Debtmerica.



At the end of the day, Debtmerica is a great company if you meet their requirements. You need to have $10,000 worth of debt to be eligible for their services. You also need to be wanting to have your debt settled, not consolidated. Those who want their debt consolidated should look to a company that specializes in consolidation and refinancing. Debtmerica is primarily a settlement company.

Settlement is not a decision that should be taken lightly. While it will improve your financial standing, having a settlement on your credit report will damage your score significantly in the near future. This means that you will struggle to get finance from reputable lenders, and finance that is offered to you may come at a much higher interest rate than if you had a better score. This being said, being in a better financial situation will most likely allow you to improve your score in the long run, which will have a very positive impact on your finances.

If you don’t think this is the right company for you, make sure to check out some of the other reviews on our site – we have a diverse range of companies that offer their own unique benefits.