Better Debt Solutions Review July 2026

Better Debt Solutions: Top features

Better Debt Solutions works as a matchmaker, not a debt negotiator. After a free consultation, it recommends a path and connects you with a third-party provider that runs the program.

Access to a database of potential partners

Better Debt Relief weighs your needs against its partner programs to find the right match for your situation. You could have options that include credit counseling, DMPs, consolidation, and debt settlement. 

Programs vary by partner and pathway

The pathway you take will set your timeline. A referred settlement program commonly runs 24 to 48 months. Debt management plans can last up to five years. Your specific outcome depends on how much debt you have, as well as how much money you have to dedicate to your debt each month.

Enroll multiple types of unsecured debt

You can enroll most types of unsecured debt: Credit cards, medical bills, and personal loans. The application tells you to leave out mortgage, auto, and student loans. The company works with balances from about $7,500 up to $100,000 or more.

Accreditation and credentials

Better Debt Solutions holds a BBB A+ rating. It also says it is a member of the IAPDA (International Association of Professional Debt Arbitrators).

See where you stand with a free consultation

Your first step is a free call of about 20 minutes with a certified consultant. There's no credit pull to get started, and the company emails you a written plan you can keep even if you walk away.

No upfront fees to get a recommendation

You pay Better Debt Solutions nothing upfront for the consultation or to get a match. Once paired with a provider, the fees you pay depend on the pathway and provider you choose. If you go for debt settlement, the provider you enroll with charges its settlement fee only after it reaches a settlement, you approve, and your creditor receives at least one payment.

Better Debt Solutions pros and cons

Here’s a quick look at how Better Debt Solutions stacks up:

Is Better Debt Solutions legit?

Better Debt Solutions is a legitimate, registered California company with reported IAPDA accreditation and high customer ratings. It also carries a state regulatory action and several robocall lawsuits worth knowing about.

On credentials, the company holds a BBB A+ rating, accredited since September 1, 2022. It displays IAPDA credentials, too.

In October 2024, the company settled a consent order with the Minnesota Department of Commerce. The state said its ads and solicitations created confusion about its services and left out required disclosures. It paid a $10,000 civil penalty, and the matter is closed.

Better Debt Solutions has also been named in Telephone Consumer Protection Act lawsuits over alleged robocalls, including one filed alongside its marketing partner LendVia. The lawsuits are allegations that haven't been proven in court.

How much does Better Debt Solutions cost?

Better Debt Solutions doesn't charge you for the consultation or match.

If you choose a provider and enter a program, the provider will likely charge fees for services rendered. For debt settlement, those fees typically range from 14% to 27% of your enrolled debt, so plan for up to 27% at the high end. 

Settlement fees come only after the provider reaches a settlement, you approve it, and a payment goes out. Maximum allowable debt settlement fee varies by state. 

Better Debt Solutions advertises average savings of 40% to 60% of enrolled debt before fees for people who finish a program. Results aren't guaranteed and actual settlements vary.

Here's how the math might look on $30,000 of enrolled debt:

Some providers may charge additional fees depending on the services offered.

Another cost to consider is added potential income tax charges. Any balance a creditor forgives counts as taxable income unless an exclusion applies. Speak with a tax advisor about your specific situation.

Important considerations when choosing Better Debt Solutions

Any type of debt relief has drawbacks to consider. Weigh all of your debt relief options carefully to choose the right one for your situation.

Credit score damage

The pathway you choose determines the impact to your credit scores. Debt consolidation could temporarily lower your score, as could enrolling in a debt management plan (DMP). Both should have overall positive credit impacts with on-time payments over time.

Settlement's credit impact is a big trade-off. Accounts that fall past due while you build settlement funds could do serious damage to your score. Tracked data shows a median drop of about 161 points within six months. A settled-for-less account can also stay on your report for up to seven years.

Taxes on forgiven debt

Forgiven debt is generally taxable income, whatever the amount, so you may get stuck with a bigger tax bill. However, if your debts were larger than your assets when the debt was forgiven, the insolvency exclusion could erase the taxes on forgiven debt. Consult with a tax professional for more details on your specific situation.

Lawsuit risk

Debt settlement gives you no automatic stay, so collection calls, letters, and lawsuits can continue the whole time you're in a program. The CFPB warns that working with a settlement company can lead a creditor to file a collection lawsuit, so it helps to know how debt settlement lawsuits work before you enroll.

Better Debt Solutions customer service and satisfaction

Customer feedback runs strongly positive on both platforms Bills.com tracks.

Reviewers praise the consultants most, describing patient, clear explanations and a no-pressure tone. A smaller group of reviews reports three recurring problems:

• Unwanted calls. Repeated sales calls, sometimes several a day.
• Rate switch. A low loan rate quoted on one call, then a higher rate or a settlement pitch on the next.
• Unexpected credit pull. A soft credit pull some reviewers say they weren't told about.

Support runs by phone during business hours. The company lists no general customer email, client portal, mobile app, or live chat on its site.

Where is Better Debt Solutions available?

Better Debt Solutions serves clients in most states. The company says its programs aren't available in all states and that fees vary by state, but it doesn't publish a list of which states are in or out. If your state matters to your decision, ask on the consultation call before you enroll.

How do I contact Better Debt Solutions?

The main line is (866) 606-6413, staffed Monday to Friday, 7 a.m. to 7 p.m. PT, and Saturday, 8 a.m. to 4 p.m. PT. The mailing address is 2525 Main Street, Suite 500, Irvine, CA 92614.

You start through a phone call or the online form, since the site doesn't publish a general customer email. No client portal, mobile app, or live chat is available.

Better Debt Solutions recent milestones

Better Debt Solutions reports one headline number of its own: More than 35,000 families and individuals helped since 2018, with typical settlements of 40% to 60% of enrolled debt before fees. It doesn't publish a total dollar figure for debt resolved.