Debt Settlement

Use a Debt Settlement Stretegy to Reduce Your Monthly Debt Payments
and Principal Balances
to Get Back on Track Financially

debt settlement

Significantly reduce what you owe

Low monthly deposit

Not reported on your credit file

Get rid of debt in 36 months or less

Guaranteed results or you pay nothing

Debt Settlement from DebtBlue

DebtBlue is a Debt Settlement firm. This means we negotiate with your creditors on your behalf to get them to forgive, settle or take an offer for less than you owe. Debt Settlement works for debts that are classified as “unsecured debt.” Unsecured debt includes Credit Cards, Medical Bills or Hospital Bills, Department Store Debts or even Personal Loans. It will not work for secured debts like mortgages or car loans.

We take the hassle and stress off your shoulders and begin to work strategically for you to help you save the maximum amount possible. DebtBlue takes the time to listen.

A Deeper Look at Debt Settlement

With a structured settlement program, a consumer will repay their debts in an average of two to three years. This is much less time than they would spend paying back their debts with other debt relief options while also avoiding bankruptcy.

There may be minor negative consequences to debt settlement for consumers to endure during the debt settlement process, including:

These negative consequences for consumers in a debt settlement program can be well managed during the debt settlement process and successfully repaired after completion of the program. As with any debt relief option, you must weigh the overall benefits of debt settlement with all of the potential, negative sideeffects of this option and must complete the program to see the desired results.


Debt settlement, also known as debt negotiation, debt reduction, or debt resolution, is the process of working to resolve debts for less than what a consumer owes. Typically, a debt settlement firm acts as the consumer’s advocate, working to lower principal balances and to resolve debts so that the consumer can achieve financial freedom. A debt settlement firm does not make monthly payments to creditors but rather negotiates directly with the consumer’s creditors while the consumer accumulates funds for the settlement through a monthly program payment. Debt settlement firms charge consumers a fee for their services. For compliant and ethical firms, this fee is only charged AFTER the client has had a successful resolution and received results.

Debt settlement is optimal for individuals or families who are in financial hardship or struggling with large debt burdens, and those who are looking for an alternative to bankruptcy. Debt settlement programs help qualified clients who stay with the program fully resolve their enrolled debts in approximately two to four years.


Unlike other forms of debt relief, debt settlement is based on the future resolution of a consumer’s accounts, which means that results vary significantly. It is very important to only work with a qualified and accredited Certified Debt Specialist (CDS) provider.

Debt Settlement Pros

Along with the potential of reducing total principal owed, debt settlement programs provide one low monthly program payment. This program payment is used to accumulate funds for the settlements. These payments are typically significantly less than minimum payments and the monthly payment required by a credit counseling firm. Consumers who stay with and complete a debt settlement program may be able to resolve all enrolled debtwithin two to four years versus five yearsfor credit counseling or frequently up to 15 years (or more) when simply making minimum monthly payments. Compliant and ethical debt settlement companies only charge fees associated with debts that they actually resolve. No conflict of interest exists with creditors, because the debt settlement provider receives no payments from credit card companies and acts solely as the consumer’s credit advocate.

For Whom Does Debt Settlement Work Best?

Debt settlement is best suited for individuals who are struggling with very serious debt, who cannot make required minimum payments, and who would otherwise be considering bankruptcy or credit counseling. For consumers seeking a low monthly program payment and who want to resolve debts relatively quickly, debt settlement will be the best alternative.

Debt Settlement Pros

Debt settlement can have a negative impact on credit scores, because consumers do not make payments to creditors while they are accumulating settlement funds; also, creditors or collectors are likely to contact consumers during the settlement period (consumers should expect help with managing collection calls from a good debt settlement company that acts as their credit advocate); fees and interest will accumulate during the settlement period, and should be taken into account when calculating savings; creditors can take legal action against consumers for unpaid accounts during the settlement period.

Balance Reductions and Lower Monthly Payments

When you become part of our debt reduction program, your monthly deposits will be lower than monthly payments you were making.

Free Debt Relief Quote

By clicking “Submit”, you authorize—with respect to the telephone number provided above and any other telephone number associated or related to you that may be provided to us in the future— DebtBlue and its affiliated companies to contact you by phone, text, email, mail, or by artificial or pre-recorded voice, even if you have listed yourself on any Do-Not-Call List. You also agree to our Privacy Policy and Terms of Service. If you prefer, you may call us at (855) 997-6532 to continue your inquiry. Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. DebtBlue does not assume or pay any part of a client’s debt, does not provide legal advice nor offer credit repair. Program is not available in all states.

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