DebtBlue
Best RegionalRegional Specialist with Competitive Settlement Rates
1,847 verified reviews
What is ACDR Membership?
The American Association for Consumer Debt Relief (ACDR) is a trade association representing companies in the debt relief industry. Membership indicates a company participates in the association and agrees to follow its standards and code of conduct. Membership alone is not a guarantee of performance or outcomes — ReliefGuardian evaluates many additional factors when reviewing providers.
Quick Facts
Founded
2015
Headquarters
Dallas, TX
BBB Rating
A+
States Served
37 states
Min. Debt
$10,000
Max. Debt
No maximum
Program Length
24–48 months
Fee Range
15–25%% of enrolled debt
Overview
DebtBlue is a debt settlement company founded in 2015 and based in Dallas, Texas. They specialize in helping clients in their supported states eliminate unsecured debt through negotiated settlements. DebtBlue maintains an A+ BBB rating and ACDR membership, reflecting their commitment to ethical practices. Their negotiating team focuses on credit card debt, medical bills, and personal loans, working to secure favorable lump-sum settlements with creditors.
How It Works
DebtBlue starts with a free consultation to review your debts and build a monthly savings plan. Enrolled clients make consistent monthly deposits into a dedicated account. Once sufficient funds accumulate for a given creditor, DebtBlue's negotiators approach that creditor with a lump-sum settlement offer. Fees are only charged after a settlement is agreed upon and the client gives approval.
Our Rating Breakdown
Pros & Cons
Pros
- A+ BBB rating
- ACDR and IAPDA accredited
- Competitive fee structure
- Dedicated account manager for each client
Cons
- Limited state availability — not available in 13 states
- Smaller company with less creditor negotiating volume than large competitors
- Less brand recognition than larger firms
Who Is It Best For?
✅ Best For
- Residents of DebtBlue's supported states
- Credit card and personal loan debt ($10,000–$60,000)
- Consumers who want ACDR member service
❌ Not Ideal For
- Residents of the 13 unsupported states
- Very large debt balances needing maximum creditor leverage
Eligible Debt Types
Requirements to Qualify
- Minimum $10,000 in unsecured debt
- Currently experiencing financial hardship
- Resident of a supported state
Customer Reviews
Chris W. — Houston, TX · February 2026
"I enrolled $24,000 in credit card debt. DebtBlue settled all three accounts within 22 months. No drama, no surprises. I'm now debt-free on those cards."
Debt Enrolled
$24,000
Amount Saved
$10,800
Rachel K. — Phoenix, AZ · March 2026
"The service was solid — my advisor kept me informed and the settlements were fair. I'd caution people to double-check state availability first."
Debt Enrolled
$18,500
Amount Saved
$8,300
Tony B. — Kansas City, MO · January 2026
"Not the biggest name but they do good work. Settled my debt about 6 months faster than I expected and the fee was on the lower end at 17%."
Debt Enrolled
$31,000
Amount Saved
$13,900
Why We Recommend DebtBlue
ReliefGuardian's Take: DebtBlue is a credible, ACDR member company for consumers in their supported states. Their competitive fees and professional service make them worth considering if you're in one of the 37 states they serve.
Last verified: January 2026 · ReliefGuardian evaluates providers independently based on fees, accreditation, customer service, and settlement outcomes.
Our Verdict
DebtBlue is a credible, ACDR member company for consumers in their supported states. Their competitive fees and professional service make them worth considering if you're in one of the 37 states they serve.
Think DebtBlue Might Be Right for You?
Check your eligibility with a free, no-obligation consultation.
Average savings for clients
Up to 45%
Free consultation · No obligation
No upfront fees · 100% confidential