DebtGuru is an internet domain for American Credit Foundation that has been helping people with debt resolution for 19 years. Based out of Utah, this non-profit organization helps those who are in need of guidance when dealing with creditors. In addition, DebtGuru will also help educate about all things debt. Overall, they are a 3rd party administrator that disburses funds (that are kept in a FDIC account) to many different financial institutions across the country.

About DebtGuru

As a non-profit credit counseling organization, DebtGuru offers certified counselors to aid individuals with credit card debt. This company provides an authentic experience for customers through its debt management program. DebtGuru debt management also allows clients to consolidate all of their unsecured debt payments into one monthly payment, as well as lowering the interest rates on that debt. There is also a variety of educational articles available to those who wish to educate themselves on debt management.

Debt Guru Reviews

Basic Information

  • Address: 7720 S 700 E, Midvale, UT 84047-2852
  • Web Address:
  • Date of Founding: 7/12/1998
  • Contact Number: (801) 208-1000
  • BBB Accredited? Yes, since 1999.

The Company

DebtGuru offer a number of debt management solutions to customers in 23 states. They have been in this industry for 20 years and while they are small, they are also very experienced and very capable, helping many customers to negotiate their way out of debt.

The Prices

You will pay between $15 and $39 a month along with an interest rate of between 0% an 15%. There is no minimum debt requirement and there is also no setup charge, making DebtGuru one of the cheaper companies that we have reviewed here on DebtReviews.

The Employees

As far as we can tell DebtGuru only have around a dozen employees, a far cry from the average of 50 to 100 and a long way from the 500+ that work for GreenPath Financial Wellness. But this is a small company, so it's not a big surprise.

We have not heard anything negative from current or past employees and everything seems to be above board here.

How to Complain

A Mr. Scott J. Peterson acts as the President, while a Mr. John Keller heads the customer service department. If you have any issues with customer service, or anything else for that matter, we would advise contacting both of these in the first instance to see if those issues can be resolved. Many customers are quick to complain and to post their anger on review sites, but while this can be effective in the long run, we find that management is usually just as frustrated with bad service as the customer is and are more than happy to resolve the issue.

They are accredited by the BBB, so you can also push complaints through them if you are not happy with the level of service provided.

The Reviews

DebtGuru have received good to middling reviews on most review sites. This may not sound great, but it's actually quite good for a company in this sector. Most customers won't leave a review unless they have something negative to say, so it's not unusual to find review sites littered with nothing but complaints and vitriol, even on otherwise respected companies.

For our review of DebtGuru, see below.

Our DebtGuru Review

Now that we have looked at what others have to say about DebtGuru, it's time to cover this company ourselves. As mentioned already, this company is owned by American Credit Foundation and is basically their web domain. There isn't a great deal of info out there based on DebtGuru and a search for this term will bring a deluge of data from self-appointed credit experts and very little info on So keep this in mind if you're researching into their services.

The Good

  • Free consultation with certified counselor
  • Personalized service
  • Educational resources

Free Consultation

DebtGuru is there to make the debt collection calls stop, keep wage garnishments at bay, and can even reduce or eliminate late and overdraft fees. An initial consultation is encouraged to help the customer shed light on which path is best for him or her. During this consultation, individuals may be recommended to participate in their free, no-obligation credit counseling service to determine the best plan moving forward. Once enrolled, average interest rates come to about 4.1% and in some instances zero percent.

Personalized Service

Personalized customer care sets DebtGuru apart from their competitors. They acquaint clients with a team of 2 fully accredited and certified representatives with the NIFCE. Customers can also request one-on-one client care with an Account Manager.

Educational Resource

When and if a customer at DebtGuru wishes to educate him or herself, they have a vast network of financial related articles to read up on, along with testimonials showing the excellence of this company. If in fact, DebtGuru decides a consolidation won’t benefit you in the long run, they won’t recommend it. They are ISO certified to ensure high-quality services provided to the customer under strict regulation.

The Bad

Lack of Control

Another potential downside to DebtGuru is the escrow account. What this means is that your monthly payment and interest rate go directly to an escrow account, then following this, DebtGuru divides the funds amongst your creditors. This can be a little off putting for customers because they report feeling a loss of control over their payments and the specifics of their account. On top of this, the online support is a bit lacking, which falls below industry standard where most consolidation companies offer a way to manage their accounts and view their progress.

Debt Guru

The Bottom Line

DebtGuru can be a great resource for knowledge and education when it comes to debt. They provide informative blogs for customers, and free debt counseling to get your finances in order. In addition, DebtGuru offers debt consolidation plans to further ensure debt relief goals. With NIFCE certified counselors just a phone call away, it is most certainly worth giving them a call to see how their innovative debt management programs can help you meet your financial goals. We recommend researching this company a little more before making a final choice to work with them.