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I Was Working With Debt RX USA. They Promised Me 40% Settlements But I’m Being Sued. – Amanda

“Dear Steve,

I contracted with DebtRxUSA to work through debt settlement. I was promised at least at 40% setttlement on my 2 credit cards. It has been an uphill battle with them to get them to respond to my questions and concerns, return phone calls and emails, and my creditors are telling me they will not deal with them. After much debate and my interceding, I was able to get a decent settemment on one card. The second card is nowhere in the ballpark of what I could pull off. Because I can’t pay this proposed amount, they are saying they didn’t promise anything and they fulfilled their end of the bargain that I still need to pay them. At the same time, they’ve told me that I’ll now be taken to court.

What are my alternatives at this point?


Dear Amanda,

If you have a copy of your Debt RX USA contract you signed. I’d love to review it. You can upload it to me here.

Well the reality is your options are limited. If you can’t come to an agreement with the debt owner or credit card company then you will go to court and lose. They will get a judgment and could then move for a wage garnishment. The reason I’m so confident you will lose is because the case will hinge on the contract you signed with the card company. The agreement says you will make certain minimum payments or be in default. If you are in default it says the company can take certain legal actions.

If they do take you to court and win you could block any further action with bankruptcy. However if you go bankrupt before they take you to court you could at least prevent a public record lawsuit from appearing on your credit report as well.

I suggest you click here to find a local bankruptcy attorney you like. Make an appointment and go in and talk to them for free. After that appointment you’ll be better informed about what you want to do next.

See also  Bank of America Gave Me a Settlement Amount But They Keep Changing It. - Rob

You’ve learned a difficult lesson here. The debt settlement option was always a crap shoot and never the ‘golden opportunity’ it was marketed as.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

P.S. Be sure to read ‘The Secret of Surviving Through Difficult Economic Times. What I Learned On My Journey‘.

About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  • Hi Steve,

    I too have had nothing but problems with DebtRxUSA. First, they didn’t inform me of all the shade that they throw. The money they take monthly is solely their payment and I’m responsible for saving up to double to pay my debt. That was never explained to me. So, for 7 months, I paid them, and they did nothing. I decided to do what I had to do to get a loan. I got an unsecured loan, and told them it wasn’t 100% sure that the loan would be in my account by 4/1. I told them that numerous times. They still allowed more than one creditor to take money from my account and now my bank is overdrawn over $6,000. What can I do? I already fired them. can I sue?

  • After reading these stories we were scammed too. We were just summonsed to go to court. Tried to reach Debt rx. No responce. so now what?????????????????? Its BS

  • Hi Steve
    Your information definitely helped me. I called the attorney representing Discover and worked out a payment arrangement with them today. And I caught it just in time. The account had been referred to litigation and ultimately to court. They told me they have never heard from Debt Rx. I asked about the supposed settlement that Debt Rx negotiated. They said that is a standard settlement they are able to offer. I’m furious and embarrassed at the same time to be scammed like this. I should have known early on when my intuition said something wasn’t right.

    Thanks again Steve.

      • Hey Steve,
        I wrote to you a while back concerning Debt Rx USA, I too was scammed out of over 2700.00. I am however pleased to see that the Minnesota AG is suing this JOKE of an outfit. Please keep posting articles like the one Amanda submitted, to alert people of this more than disreputable “compnay”.
        Thanks Again

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