Quick Facts
Full Review
Debt Advisors of America stands out in a few ways that matter. First, their fee range of 15% to 22% is below the industry standard of 15% to 25%. On $30,000 in enrolled debt, that cap of 22% versus 25% saves you $900. Second, they were a finalist for the 2025 BBB Torch Award for Ethics, which is unusual recognition for a debt settlement company. Third, they include a financial education curriculum with every enrollment.
Based in San Diego and founded in 2018, they hold a BBB A rating with 4.67 stars across 259 BBB reviews.
How Their Program Works
They create customized settlement plans and negotiate with creditors. Fees are 15% to 22%, charged only after settlements (performance-based). Every client goes through a financial education curriculum covering budgeting, credit building, and long-term planning. The $10,000 minimum and 24 to 48 month timeline are standard.
The education component isn't just a marketing gimmick. Having a plan for after your debts are settled matters, because the last thing you want is to end up back in the same situation three years later. Whether the curriculum is genuinely useful depends on its quality, but the fact that it exists signals something about the company's approach.
What Customers Say
Reviews are largely positive, with the financial education and lower fees frequently mentioned as differentiators. But 20 BBB complaints in three years include reports of confusing language in unsolicited outreach letters. Some recipients found it hard to tell whether the letters were from a legitimate company or a scam, which isn't a great look.
Who Should Consider Debt Advisors of America
Worth a serious look if you value below-average fees, financial education, and BBB recognition. The BBB A rating and Torch Award finalist status carry weight. Just be aware of the outreach letter complaints if one shows up in your mailbox.
Pros and Cons
Pros
- BBB A rating and 2025 Torch Award for Ethics finalist
- Below-average fees of 15-22%
- Financial education curriculum included with every enrollment
- Performance-based fees, no upfront charges
- 4.67-star BBB review average
Cons
- 20 BBB complaints in three years
- Reports of confusing language in unsolicited outreach letters
- Founded in 2018, still relatively new
- $10,000 minimum debt requirement
Where to Read More
Read reviews on: BBB, Trustpilot