NetDebt LLC has resolved over $6 million through their debt settlement program since 2007. Although Debtnet has some positive qualities to get excited about like no upfront costs and flexible customer service hours, they have been plagued by legal issues in some states. The company previously went by the name of Debt Mediation and Debt Relief Advocates.

The Good


Our team of reviewers liked that NetDebt is completely upfront about the fact that they charge 25% of the total debt. This is not the norm in the industry for many competitors are unclear about the specifics of their costs. However, one must note that 25% is a rather high fee compared to industry averages.

Saturday Availability

NetDebt offers consultations and customer service on Saturdays outside of normal business hours. This makes them extremely accessible for those who are busy during normal business hours. NetDebt also has a live chat feature on their website.

Money Back Guarantee

A customer has the option of walking away from NetDebt without paying anything in the case that the customer becomes dissatisfied and their debt has not yet been settled. The program at NetDebt also guarantees that their settlement program will save you money on fees, or they will pay the difference. These kinds of guarantees are not that common among other settlement companies.

Customer Satisfaction

Past customers have expressed their satisfaction from the knowledge and expertise demonstrated by the consultants at NetDebt. On top of this, clients mention that they were pleased to find out that there were no upfront fees, although this is fairly common among all settlement companies. They also expressed their appreciation for the tools, resources, and calculators available to them on the company’s website.

The Bad

Some Client Complaints

Customer complaints mainly revolve around their dissatisfaction with the company’s high costs in comparison to the competition and difficulty or delays when it comes to canceling the program. There are also complaints about hidden fees like the mandatory enrollment in United Member plans for $395 per year, with extra fees tacked on if the customer decides to opt out.

Higher than Average Pricing

Although we appreciate NetDebt’s transparency about their pricing, they are still higher than industry averages. NetDebt charges 25% of the total amount of debt enrolled when other companies typically charge 20%.

Lacking Credibility

Netdebt has no accreditations to be found when most settlement companies are at least accredited with the IAPDA and the AFCC.

Other cons with NetDebt are:

  • Limited industry experience
  • Not available in Utah
  • No industry accreditations
  • Compare to Top Debt Settlement Companies

The Bottom Line

NetDebt could be a great company for those who are busy during normal business hours and would need support on Saturdays. Besides this, there is little reason for someone to choose this company. Between the legal issues, high costs, and reported communication problems, we do not recommend them for most customers at this time. For a less expensive debt settlement option, we recommend learning more about Pacific Debt. Click Here for other Top Recommended Debt Settlement Providers.