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Our Satisfied Customers
Marcia P.

I am so glad that I inquired with Debt Free USA this past January in regard to helping me out of my debt situation. By October, they had settled with half of my creditors! I am looking forward to seeing the results for the next half in the coming new year. Thanks, Debt Free USA, for helping me out of a hopeless situation.

Dan M.

Team , excellent effort ! This is much appreciated, and I compliment your professionalism.

Justine R

So far so good. I’ve had good and short interactions with the people at Debt Free USA. I get email updates about my account and brief calls once a month or so to update me. I’m satisfied with their customer service and the way they’re getter the job done.

Derrick A.

The best possible service and results


Debt Free USA provides you a variety of Debt Relief and Loan options that are built to fit your financial needs. The experts at Debt Free USA act as trusted advisors through helping you navigate the ins and outs of managing your debts. Here are some of the solutions that have helped thousands of our clients in the past:

Personal Loans

For unexpected expenses to funding a home repair, personal loans offer quick access to funds without the need for collateral. Apply today or click to find out more.

Apply Today

Debt Consolidation

With multiple cards, loans and lines of credit, consolidating your debts can reduce your interest rates, reduce your time to payoff, or both. Apply today or click to find out more.

Apply Today

Debt Negotiation

When you’re having trouble keeping up or even falling behind with your debts, debt negotiation may be a good option to reduce your debt burden. Click to find out more.

Contact Us


When you work with Debt Free USA, our team follows a simple but effective process that has helped thousands of clients with their debt issues. Whether you’re looking for a personal loan, a consolidation solution, or a debt settlement, our experts will guide you through this process and help you find the solution that is best suited for your specific situation:


Every solution we offer requires an initial but complimentary phone consultation to review your personal situation and financial goals. This allows us to provide you with personalized options to meet your specific needs.


Once we review your financial situation and verify your qualifications, we will reach out to you to discuss the plan and terms to ensure it meets your needs. Once accepted, we will let you know what to expect and how we will assist you going forward.


Once you accept the plan, you are ready to make payments as defined in your terms. Once all the payments have been made and the plan is satisfied, you’re all done! During any point we encourage you to reach out to us if you have any questions or need advice.


Many of our clients have similar questions before they contact us. We have outlined some of the most common questions our clients ask. If you don’t see one of your questions, we encourage you to reach out to us directly so we may review your personal situation.

  • What is the Minimum Credit Score Required for Your Programs?

    At Debt Free USA, we look at each client’s situation holistically and not just their credit score. We have approved hundreds of clients with scores below 600 that have shown a financial need. We encourage you to reach out to us direct to discuss your financial situation.

  • What is the Difference Between Debt Consolidation and Debt Negotiation?

    Even though these solutions sound similar, they are quite different. Debt consolidation takes your existing debt and packages it into a new loan, with one payment. Debt Negotiation takes your existing debt and looks to reduce it through negotiating the balance owed with creditors to reduce your total debt load.

  • Does Debt Negotiation Negatively Affect My Credit?

    This depends on your current credit situation. Any time you miss a payment you pose a risk to adversely affect your credit score; however, the Debt Free USA Debt Negotiation program aims to put you in a strong situation to improve your credit score over time and even after the program.