Debt Rx has settled millions in debt since the company was founded in 1998. Debt Rx is certified with the IAPDA as a Bronze Member. They offer their services in 37 states and Washington D.C.



The Good

  • Extensive industry experience
  • Services offered
  • Money-back guarantee

Extensive Industry Experience

Started in 1998, Debt Rx is one of the most experienced names in the debt settlement realm. That kind of experience translates to better relationships with creditors with more favorable settlement terms for clients. Once clear way the company conveys their experience to customers is by stating on their website that debt settlement isn’t for everyone. If the company thinks that the service isn’t right for your situation, they will upfront about it to you. The company makes sure that they can provide you with the proper services you need.

Services Offered

Debt Rx provides several helpful services. They provide an online dashboard that allows the customer to easily manage their accounts. Another service provided is an online calculator that can be used to help clients determine how much debt they will end up paying, without a settlement, over the course of their life.   Customers may also talk to a representative over the phone. Clients have expressed their appreciation for the consultation free of charge, they even have fluent Spanish-speaking customer service agents.

Money-Back Guarantee

Debt Rx has a money-back guarantee. If they do not come through for the customer, they will not charge a fee. Additionally, they do not charge until after a settlement if reached. However, Debt Rx does not guarantee that your debt will be lowered by a specific amount or percentage.

The Bad

  • Limited Availability
  • Potentially High Prices

Limited Availability

Debt Rx only operates in 37 states including Washington D.C. Individuals living outside of those states will have to seek an alternative choice.

Potentially High Prices

Debt Rx’s fees range from 15 to 22 percent, which is typical in the industry. Albeit, some competitors offer lower fees. Therefore, the customer may want to do some research to guarantee them the best deal. Want to know which debt settlement companies are top rated? Click here

The Bottom Line

Debt Rx offers many beneficial services to customers. It also helps a lot that they have bilingual (English-Spanish) representatives on hand to help. The company’s experience, accreditation with the IAPDA, and money-back guarantee can provide stability and confidence for the customers. Potential clients must verify that Debt Rx is available in their state. We also suggest that customers shop around to see if Debt Rx offers the best price for their specific debt situation.