BBB Accredited Business
★★★★★ Google 4.8 — 199 Reviews
★★★★★ Trustpilot
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✓ AFCC Member
✓ Licensed & Accredited
DebtHelp, Inc. has helped clients resolve debt since 2006 — with zero upfront fees, real settlements, and now AI-powered tools that show you exactly where you stand before you speak to anyone.
BBB Accredited Business
★★★★★ Google 4.8 — 199 Reviews
We’re an established, Ohio-based company with nearly two decades of experience — and we’re building the industry’s most capable AI-powered tools to serve you better.
Founded in Columbus, Ohio in 2006. We’ve helped thousands of clients through multiple economic cycles — not a pop-up company chasing a trend.
Est. 2006We only get paid after we successfully settle your debt. Zero cost to start. No hidden charges. No surprises.
Performance-BasedWe built Alex, our AI Debt Advisor, to give you real answers 24/7 — not a scripted FAQ. Ask anything, get actual guidance before speaking to a human.
Industry FirstOur Columbus office is open to clients who want to sit down face-to-face. We are a real company with real people — not just a website and an 800 number.
Columbus, OHBBB Accredited with an A+ standing. AFCC member. Licensed in all applicable states. We operate with full transparency and comply with all regulations.
BBB A+DebtHelp University exists so you understand your options before you commit to anything. Informed clients make better decisions — that’s always been our philosophy.
Free ResourcesAlex is DebtHelp’s AI Debt Advisor — trained on nearly two decades of settlement experience. Ask about your options, your timeline, your creditors, or whether you qualify. No hold music. No pressure. Available 24/7.
DebtHelp AI · Available 24/7
These are representative ranges based on DebtHelp’s historical experience with major creditors. Your results will vary based on your specific accounts, creditor policies, and circumstances.
Illustrative outcome ranges. Individual results will vary. Not a guarantee.
We believe the most empowered clients are the most informed ones. Free guides, tools, and courses to help you make smarter decisions about debt — whether you enroll with us or not.
Credit cards, personal loans, medical bills — how each behaves and what it means for your path forward.
Read the guide → Deep DiveA clear, jargon-free comparison of the four main debt relief paths — including what companies won’t tell you.
Read the comparison → Creditor GuideCapital One, Chase, Discover, Bank of America — each negotiates differently. Learn what typical timelines look like.
Read the guide → Free GuideAn honest look at the short-term credit impact of settlement — and the longer-term picture most people miss.
Read the guide → AI ToolPlug in your debt, monthly budget, and creditors — get an instant estimate of settlement and program length.
Try the calculator → Free ChecklistNot everyone is a fit — and that’s okay. This checklist helps you honestly assess if settlement is the right path.
Take the checklist →DebtHelp, Inc. has been located in Columbus, Ohio since 2006. If you want to sit down face-to-face with an advisor, review your accounts together, and get a straight answer — come see us. No appointment required.
We serve clients nationwide by phone and online. Our Ohio location gives us deep roots in the community and the kind of accountability you won’t find with anonymous online-only companies.
No guesswork. No runaround. A clear, transparent process built around your budget.
Start with a no-cost, no-obligation consultation. We review your debts, income, creditors, and goals together. No credit check required — just an honest conversation about where you stand.
We build a custom debt relief strategy around your actual budget — not a cookie-cutter program. Every creditor is addressed individually with a timeline you can realistically follow.
Our team negotiates directly with your creditors. You only pay our fee after a settlement is reached — zero upfront cost, ever. We stay with you through the entire process.
Real reviews from real people. Read more on Google, Facebook, and Trustpilot.
“Customer service is always kind and always do their best to keep customers in the know. Easiest credit help company I’ve worked with — completely stress-free.”
“Helped clean up a mess. Much appreciated. Mike was way honest — good thing nowadays. Would recommend DebtHelp to family and friends if needed.”
“These guys are amazing, they really did help me out. I’ll be eternally grateful — for Lacey and Nicole especially. They stuck with me through everything.”
Anyone with $5,000 or more in unsecured debt may qualify. Whether you want to start a plan today, talk to Alex first, call our office, or just learn more — we’re here however you want to engage.