All About Debtmerica

The Debtmerica Relief team has had one vision since inception - to help Americans nationwide attain financial independence.

As we all know, debt and financial difficulties can create great personal difficulties, stress, depression, and anxiety. It’s not a very rewarding experience to be buried in debt. Debtmerica is a consumer debt reduction service that uses negotiated debt settlement to work towards aggressively reducing your unsecured debt, letting you move on with your life.

Our Mission

Our mission at Debtmerica is to eliminate your financial strain so that you may get back on the right track to true financial freedom and personal fulfillment. Within our network we are able to lower your unsecured debt balances, provide one low monthly program payment, offer a great alternative to bankruptcy or simply provide you with sound, knowledgeable advice. We are here to help!

Our History

The founders of Debtmerica first met over 12 years ago while at the Wharton Business School at the University of Pennsylvania. It is there that they quickly realized the overwhelming burden that unmanageable debt can place on Americans from every walk of life. After spending several years working with the consumer finance sector, they determined that merely consolidating high amounts of unsecured debt into secured debt via a debt consolidation loan didn’t solve the fundamental problem – too much debt to begin with! A better solution would be to not only reduce monthly payments, but in addition, to actually lower the debt balances themselves. Upon further research, they also determined that Consumer Credit Counseling - sponsored by the credit card companies themselves - typically only reduced a consumer’s annual percentage rate (APR), but did nothing to actually reduce the unsecured debt balances.

How Debt Settlement Works

Once you enroll in the program, our first priority is to minimize creditor harassment. We utilize several techniques to reduce the headache and annoyance of hassling creditors. With our lasting relationships with the members of our network and their direct access to creditors, we are able to reduce your total unsecured debt amount while providing just one low monthly program payment. This monthly payment amount is frequently as low as half as much as your current combined monthly payments to the same creditors. Our underwriting process is highly effective with the main goal to help you experience a lasting benefit to your financial well being.

Our knowledgeable, friendly, and experienced Debt Consultants at Debtmerica will discuss with you the benefits and qualification process of our Debt Resolution Programs, and then will propose an affordable monthly program payment that will fit within your budget. We feel our program is simply the best way to become debt-free without declaring bankruptcy and without consumer credit counseling.

Our Success

We've experienced unprecedented success at helping our clients attain financial independence. Our success comes as a result of our commitment to excellence. Debtmerica is an accredited member of TASC (The Association of Settlement Companies) and our Debt Consultants are required to attain certification from IAPDA (the International Association of Professional Debt Arbitrators). This level of professionalism was a major factor in Debtmerica becoming an Inc. 5000 Fastest Growing Company for 2009. We were also honored by the Orange County Business Journal for ranking 4th "Best Places to Work in Orange County" and #3 "Fastest Growing Private Company". At Debtmerica, we're proud of our achievements and honors - they represent our commitment to Debtmerica’s vision.

Our goal is to have no repeat customers!

While we appreciate the referrals of friends and family, we want all of our graduates to be on a solid path to financial freedom.

Call us Toll-Free at 800-470-8155 for a free, no cost or obligation consultation.