Debt Relief Help Group negotiates settlements on payday loans, credit cards, and medical debt, consolidating multiple debts into one affordable monthly payment without upfront fees.
Data compiled from public sources · Rating from CreditDoc methodology
Debt Relief Help Group is a debt settlement company based in Hollywood, Florida, operating for many years in the debt relief and credit repair space. The company specializes in negotiating settlements with creditors on behalf of clients carrying unsecured debt, with a particular emphasis on payday loan relief and credit card consolidation. They position themselves as an alternative to bankruptcy, helping clients avoid the formal insolvency process through negotiated debt reduction.
The company offers debt settlement programs where negotiators contact creditors to settle debts for 40-60% of the original balance, or credit card consolidation programs that negotiate interest rate reductions (typically 3-9%) with monthly payment plans. All debts are consolidated into a single monthly payment. They claim to teach budgeting discipline and work clients through 4-36 month programs. The company explicitly states they do not charge upfront fees, only collecting after accounts are settled with creditors. Services include payday loan consolidation, credit card consolidation, medical bill negotiation, and general unsecured debt settlement.
The company differentiates itself by emphasizing the experience of their debt negotiators, claiming a "proven track record" for knowing "when and for how much certain creditors are most likely to settle." They offer personal debt negotiators assigned to clients and maintain business hours including Saturday appointments and evening availability by appointment. Their physical location and phone availability (888-737-1845) provide direct accessibility compared to online-only competitors.
A critical caveat: debt settlement programs carry serious risks not explicitly disclosed on the website. Settlement companies typically advise clients to stop paying creditors during negotiation, which damages credit scores significantly and may trigger lawsuits. The website mentions eliminating "incessant nagging of collection calls" but does not disclose that this phase often involves increased collection activity and legal action. Clients should understand that while settlements may reduce balances by 40-60%, the tax consequences (forgiven debt as taxable income) and credit score impact are substantial and potentially longer-lasting than the savings.
When evaluating debt relief companies, consumers should compare settlement programs against alternatives like debt consolidation loans, which combine multiple debts into a single fixed-rate payment. Credit counseling through nonprofit agencies offers free budgeting help without impacting credit scores. For those whose credit has already been damaged, credit repair services can address inaccurate negative items on reports. Personal loans for bad credit may provide funds for debt payoff at lower rates than credit cards, and credit monitoring services help track progress throughout the recovery process. Consolidating high-interest balances into a single installment loan with a fixed rate can reduce total interest paid and simplify monthly budgeting.
While repairing your credit, a secured card builds positive payment history from day one. Several options require no credit check.
Yes. Debt Relief Help Group is a registered company, headquartered in Hollywood, FL.
Debt Relief Help Group plans start at Free per month with no setup fee. No money-back guarantee is offered.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Debt Relief Help Group is best for consumers with significant payday loan or credit card debt who are willing to accept substantial short-term credit damage in exchange for negotiated debt reduction and are motivated to avoid bankruptcy. The critical caveat is that settlement programs require clients to stop making payments during negotiation, which triggers aggressive collection activity and credit score drops of 50-100+ points—sometimes for 3-7 years—and creates tax liability on forgiven amounts; this company's website does not adequately disclose these consequences.
Unable to generate profile: Website returns 403 Forbidden error, preventing access to company information, services, and business details.
Best for: Consumers in New York, New York looking for credit repair services, People who prefer working with a local credit repair provider
iMax Credit Repair uses attorney-led litigation and disputes to remove negative items from credit reports. They charge $0 upfront and only collect fees after achieving results.
Best for: Consumers with multiple negative items willing to wait 45-180 days for potential removal, Clients with sufficient budgets for attorney-led litigation (several hundred to thousands of dollars)
Nonprofit credit and housing counseling agency founded in 1991. Offers debt management plans, foreclosure prevention, bankruptcy education, and student loan counseling across 12 offices in 11 states.
Best for: Consumers with significant unsecured debt (credit cards) seeking a structured, creditor-negotiated repayment plan, Homeowners facing foreclosure or first-time buyers who need HUD-certified housing guidance
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example
You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
The CFPB is your most powerful ally against predatory lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example
A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and must stop contacting you if you request in writing.
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you can sue for up to $1,000 per violation plus attorney fees.
Example
A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and wins a judgment.
Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.
Example
You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.
A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.
Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.
Example
You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.
A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.
Chapter 13 is better than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.
Example
You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.
A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.
Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income must be below your state's median to qualify.
Example
You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example
You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example
An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Consolidation works best when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example
You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.
Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.
Example
You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.
Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.
Example
A credit card company sues you for $8,000 and wins a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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