Debt Relief FAQs

If you can't find the answer you're looking for, feel free to call us at 888-344-0214

How Do I Know This is the Best Debt Relief Company for Me?

The Debt Relief Company was founded to assist clients in alleviating financial burdens and help them achieve financial prosperity. If you have excessive credit card or personal loan debt you are in the right place. Or more simply put, if your future financial goals and financial well-being are not aligned, then chances are that we can help! Our expertise lies in eliminating all your unsecured debts within a 2-4 year time frame, while saving you money each month by negotiating new deals with your creditors to payback less than what you currently owe. We strive to provide US consumers with the best debt relief program and best customer service in the United States. We never charge upfront fees and the success of our clientele is always our top priority. Our foremost goal is to save you as much money as possible and get you out of debt as quickly as possible, and we willing to stake our reputation on it.

How is The DRC Program Specifically Tailored to Help Me and My Individual Needs?

Each and every financial consultation performed begins with both a credit and balance sheet overview along with expert analysis of your current financial situation. Once we understand your situation we can tailor a plan to specifically help you achieve your goals! You should expect one main point of contact throughout the entirety of your time spent working with us. The financial consultant you initially spoke to will be your main point of contact throughout the course of The DRC Program. Accountability is our main priority and very important to us, so we will never defer your questions or concerns to anyone except your personal financial consultant. We don’t believe in cookie cutter solutions or a one size fits all policy, everyone’s situation is completely different! Feel free to use our debt relief calculator to get a quote for your new lower monthly payment.

Do Services Provided by The Debt Relief Company Have Any Credit Requirements?

There are currently no credit requirements for all services we provide! Moreover, all consultations are risk-free and require no commitment on your part. Seldom are we unable to add value to a client's financial well-being, even if you feel one of our programs is not the correct fit for you, all consultations are completely free and require no obligation on your end. However, The DRC Program does have some minimum requirements and isn't always a good fit for everyone, especially if it doesn't align with your personal goals. If this is the case, we would never recommend our services unless it is to your benefit and we are more than happy to assist you in finding alternative options.

Will I Become Totally Debt Free After I Complete the Debt Relief Program?

Here at The Debt Relief Company, we specialize in dealing with unsecured debts like unsecured personal loans, credit card debt, student loans, revolving lines of credit, medical debt, etc. (or more specifically "bad debt"). High utilization rates and high balances on these types of accounts have the most detrimental impact to your credit worthiness so these are the highest priority for improving a client's credit worthiness and financial well-being overtime. However, even though we do not specialize in secured or collateralized debt you can always use your monthly savings from The DRC program to more aggressively pay off any mortgages, HELOCs, auto loans, etc. (otherwise known as "good debt"). As long as your debt is unsecured and eligible for the debt relief program, we will strive to help you pay it off and save as much money as possible! However, with this being said, it is unlikely for you to become completely debt free, given the fact that many Americans have secured debts like mortgages and auto loans that cannot be included in the program.

How Will Debt Relief Impact My Credit Worthiness?

Although each case is specific to an individual's current financial situation, depending on the current standing of your credit report and credit worthiness at the time of enrollment, debt relief could very well have a negative impact to your credit worthiness in the short to intermediate term. However, at The Debt Relief Company, we do not take a short-term approach to improving the financial well-being of a client and you must understand that good things take time. We do not pretend to offer an overnight solution. Odds are that your debt did not accrue overnight, so it will take a reasonable amount of time to better your financial standing. So, if you initially see an adverse effect to your credit score, we would focus on fixing the root cause of the problem (too much "bad debt", high debt-to-income ratios, high credit utilization rates and reliance on revolving lines of credit) which will gradually lead to you becoming more credit worthy overtime.

This Seems Too Good to Be True. What is the Catch?

There is no catch associated with any options we offer! All monthly quotes provided are all inclusive and never include any hidden fees! Moreover, our estimates are always conservative as we always aim to under promise and overdeliver. Otherwise, one drawback of the debt relief program, will be that credit cards you want to enroll in the program will have to be closed out (as would any other open lines of credit you include in the program). Moreover, you don’t have to include all lines of credit if you still want to retain use of credit during the program. It’s typical, that you also see a decline in your credit score during the initial stages of the program. So yes, you will significant monthly savings but you still have to give some things up in order to benefit from the reduction in interest and debt owed. Life is all about give and take! Nevertheless, if you’re okay with the above, then enrolling in The DRC Program would most definitely be to your benefit.

Can't I Negotiate Debt on My Own?

You absolutely can! However, you can also do your own indoor plumbing. But, if you have no experience or know-how of how plumbing works and how to approach a job, it will more than likely be a bad idea and lead to a less than ideal situation. You could make mistakes which end up costing you more money in the long-run and end up making your situation worse off than when you started. With this being said, in a small percentage of cases, negotiating on your debt by yourself may actually be the best option for you. If the debt amount does not meet our minimum requirement and you carry a relatively small number of accounts you should definitely consider it—as long as you are willing to do the research and put it in the work.

What Fees Does The Debt Relief Company Charge?

The Debt Relief Company charge absolutely no upfront fees—ever! In fact, the ability to collect fees from clients is contingent upon our performance. So, until we save you money we will not charge you anything! Our service cost is 20% of the enrolled debt amount, which is substantially less than that of all major debt relief companies in the industry. We pride ourselves on never charging any upfront fees and always providing savings and value to your life before taking any fees from your enrollment in the debt relief program. We firmly believe that if we don’t save you money on your credit card debt we should not be able to collect any fees for the duration of your debt relief program. We have no hidden fees or costs and the monthly payment you are quoted is always inclusive of all program costs.

How Do I Inquire and Sign Up for the Debt Relief Program?

Inquiring with The Debt Relief Company is relatively straight forward! You can fill out a form on our website denoting the best call back time for a consultant to reach out to you and we will be sure to get back to expeditiously. Click here to schedule your free debt consultation. Alternatively, you can call us at our toll-free number (888) 344-0214, reach out via email or reach out to us via any social media outlet (Facebook, Twitter, Instagram, LinkedIn, Pinterest, Yelp, etc.). Once you speak with your financial consultant and decide on which option and payment term you would like to move forward with they will assist you in the enrolling in the debt relief program.

What Happens if I Can’t Make a Monthly Payment Due to an Emergency?

Our greatest responsibility always rests in helping our clients get out of debt and alleviating their financial burdens. If you have a financial emergency or have experienced excessive hardship due to the impact of COVID-19 please feel free to reach out, we are here to serve and help! Please feel free to contact your financial consultant directly. The impacts of quarantine and social distancing from the novel coronavirus has changed the daily life of all Americans, and we will do everything in our power to assist you however we can. We are glad to help in any way possible.

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Financial Yoga and Stress Relief at Home


99 Wall Street #725, New York, NY 10005, United States

(888) 344-0214

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Please note that all calls may be recorded for quality and training purposes*

The Debt Relief Company is not a lender and does not assume the responsibility of a consumer's debt obligations. Clients that enroll in the debt relief program with The Debt Relief Company and make all monthly payments in a timely fashion pay approximately 65%-70% of the enrolled debt amount (including all fees and associated costs). These figures are based on conservative estimates and The Debt Relief Company's servicing fee of 20% of the enrolled debt amount. Available program terms range from 12-48 months. Not all clients who enroll with The Debt Relief Company will complete The DRC program. The Debt Relief Company cannot guarantee percentage reductions for our debt resolution services and the timeframe in which they are achieved. The Debt Relief Company does not provide clients with legal, tax, bankruptcy, accounting or investment advice. The use of our debt relief services and your participation in the debt relief program will likely affect your credit worthiness. We do our best to provide clients with realistic and conservative financial goals, however if you miss program payments it will likely impact your ability to become debt free and pay off your credit card accounts within the estimated timeframe.

The Debt Relief Company Program is not available in all states across the United States and some debt accounts are not eligible to be included in The DRC program.

Hours of Operation: Monday - Thursday: 9:00am - 8:00pm EST, Friday: 9:00am - 6:00pm EST

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