Quick Answer: I can’t tell you whether Debt Solution America is legitimate or not — that determination requires you to check the public records yourself, and this guide walks you through exactly how to do that.
Warning: Debt settlement companies — including those operating under names like Debt Solution America — are required to disclose their fees, not charge you before settling any debt, and cannot make guarantees about results. If any company asks for money before settling your debt, that is likely a violation of federal FTC regulations.
Community Note: If you have personal experience with Debt Solution America — good or bad — please share it in the comments below. Your firsthand account helps other consumers make informed decisions.
Who Is Debt Solution America?
Debt Solution America is a debt relief marketing website operating at debtsolutionamerica.com, whose terms of service link to TurboDebt — suggesting it functions as a lead generation front that routes consumers to debt settlement programs, potentially including National Debt Relief.
“An educated consumer is our best customer.”— Sy Syms
Before enrolling in any debt settlement program: Use my free Find Your Path tool to understand all your options first. Debt settlement is one of many paths — and not always the right one for your situation.
Step 1: Check Their Credentials and Legal Compliance
The debt settlement industry operates under FTC regulations that prohibit advance fees before a debt is actually settled. Beyond federal rules, you need to verify compliance with state-level requirements.
The key issue with Debt Solution America specifically is transparency about who you are actually dealing with. The company’s website routes consumers to TurboDebt, which in turn appears to work with National Debt Relief as the actual settlement company. This kind of multi-layer lead generation structure means the company you signed up with and the company that actually settles your debt may be different entities entirely.
- Ask directly: “Who will actually be settling my debts — is it your company, TurboDebt, or National Debt Relief?” Get the legal entity name in writing before signing anything.
- State licensing: Debt settlement companies must be licensed in many states. Once you know the actual legal entity that will handle your account, search your state’s financial regulatory agency to verify their license status.
- TSACC compliance: The American Fair Credit Council (AFCC) and AADR are industry associations that require member debt settlement companies to follow ethical standards. Ask whether the company operating your account is a member of either organization.
- FTC Telemarketing Sales Rule: Debt relief companies cannot collect fees before settling at least one debt. Verify this is clearly stated in any contract before signing.
The Dogma: “Debt settlement companies can cut your debt in half and leave you debt-free in 24-48 months.”
The Reality: Settlement companies advertise “46% savings before fees” and “25% savings including fees” — but these figures are based on enrolled debts, not all your debts. Not all debts qualify. Not all clients complete the program. During the program, you typically stop paying creditors, which damages your credit and can lead to lawsuits. The math can work — but the marketing is often more optimistic than the reality.
Step 2: Search the CFPB Complaint Database
Because Debt Solution America appears to be a lead generation front — not the company that actually handles your account — you need to search the CFPB database for the underlying companies.
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Go to consumerfinance.gov/data-research/consumer-complaints/ and search for:
- “Debt Solution America”
- “TurboDebt”
- “National Debt Relief” (if they are the actual settlement company)
Read the complaint narratives — not just total counts — to identify common issues like failure to settle debts as promised, unexpected fees, and difficulty canceling the program. The identity of the actual settlement company matters as much as the marketing brand you first encountered.
Step 3: Check Trustpilot and Third-Party Reviews
Because Debt Solution America appears to be a marketing front for TurboDebt or another settlement provider, focus your review research on the underlying company that will actually handle your account.
- Trustpilot: Search trustpilot.com for TurboDebt reviews. Look for patterns in negative reviews: were promised results delivered? Were fees disclosed upfront? Was it difficult to cancel?
- BBB: TurboDebt has over 1,000 BBB reviews. Common positive themes include helpful representatives. Common negative themes include aggressive calls after opting out and misrepresentation of program length.
- Google reviews: TurboDebt has over 2,000 Google reviews with both strongly positive and strongly negative experiences documented.
Step 4: Search for Enforcement History
The CFPB has actively pursued debt settlement companies. Research the enforcement history of both the marketing entity and the underlying settlement company:
- CFPB enforcement actions: Search consumerfinance.gov/enforcement/actions/ for any actions against the debt settlement company that will actually handle your account.
- FTC enforcement database: Search ftc.gov/enforcement/cases-proceedings — the FTC has a long history of enforcement against deceptive debt relief companies.
- State Attorney General: Many states have brought enforcement actions against debt settlement companies. Check your state’s AG website.
- FTC Telemarketing Sales Rule violations: The FTC’s prohibition on advance fees for debt relief services has resulted in multiple enforcement actions against companies in this industry. Search for any prior actions involving TurboDebt or the settlement company named in your contract.
At the time of this writing, I did not find direct FTC or CFPB enforcement actions specifically against “Debt Solution America” by name. However, the multi-layered lead generation structure — where you sign up with one name and end up with a different company — is a pattern that warrants careful investigation of the ultimate settlement provider.
Step 5: Questions to Ask Before You Enroll
Before enrolling in any debt settlement program through Debt Solution America or any similar service, get written answers to these questions:
- “What is the legal name of the company that will actually settle my debts?” Get the exact registered business name — not a trade name or brand. Verify that entity is licensed in your state.
- “When do you collect fees and how much?” Under federal law, a debt settlement company cannot collect fees until after at least one debt is actually settled and you have approved the settlement. Any company that demands fees before settling any debt is violating federal regulations.
- “What happens to my credit score during this program?” Debt settlement requires you to stop paying creditors so accounts become delinquent, which severely damages your credit. Make sure you understand this consequence before signing.
- “What if a creditor sues me while I’m in the program?” Creditors can and do sue while you’re building a settlement fund. Ask how the company handles this — and what it costs you.
- “What is your completion rate and average settlement percentage?” Companies must be able to provide actual completion rates and average settlement results. If they cannot, that’s a red flag.
Key Takeaways
- Debt Solution America appears to be a lead generation brand — its terms of service link to TurboDebt, which likely routes clients to a settlement provider such as National Debt Relief.
- Know the exact legal entity that will handle your account before signing any contract.
- Under federal FTC rules, no debt settlement company can charge fees before actually settling a debt and getting your approval.
- Stopping payments to creditors — required during settlement programs — damages your credit and can trigger collection lawsuits.
- Settlement can be a legitimate option, but it requires the right financial profile and a full understanding of the risks before enrolling.
Before signing anything: Run their contract through my free Contract Decoder tool. Paste it in and get a plain-English breakdown of what you’re agreeing to.
Frequently Asked Questions
What is Debt Solution America and who is actually behind it?
Debt Solution America is a debt relief marketing website whose terms of service are linked to TurboDebt, which is associated with National Debt Relief as the actual settlement company. This type of multi-brand advertising funnel is common in the debt settlement industry. The company you see in the ad and the company that ultimately manages your account may be different legal entities, which is why identifying the actual settlement company before signing is critical.
Is debt settlement a good idea?
Debt settlement can work for people who have a lump sum of money saved or who can build up funds over time, have debts primarily with creditors willing to negotiate, and can handle the credit damage and potential lawsuits that come from stopping payments. It is not suitable for everyone. I ran a credit counseling organization and saw firsthand how settlement programs are often oversold. The math can work in the right situation, but the marketing is frequently more optimistic than reality. Get a full picture of all your options before committing.
Can I cancel a debt settlement contract?
Yes, most debt settlement contracts allow cancellation, though you may owe fees for work already performed. Review the cancellation terms carefully before signing. Under federal FTC rules, companies cannot charge cancellation penalties that exceed the amount of fees earned — meaning fees for settlements already completed. If a company demands large cancellation fees for settlements that haven’t happened yet, that may violate federal law.
What should I look for in a debt settlement company before enrolling?
Look for clear written disclosure of all fees before any services are performed, state licensing in your state, membership in the American Fair Credit Council (AFCC), a track record you can verify through CFPB complaints and independent reviews, and a realistic explanation of the program risks including credit damage and potential creditor lawsuits. Any company that cannot answer basic questions about fees, completion rates, and licensing should be avoided.
Share Your Experience
Have you worked with Debt Solution America, TurboDebt, or the underlying debt settlement program? Your firsthand account — positive or negative — helps other consumers make informed decisions. Share what you found in the comments below.
Before You Sign Anything: Run any debt relief contract through the free Contract Decoder to spot hidden fees and unfair terms. Check the company’s complaint history with the Scam-O-Meter.
Compare Your Real Options: Most debt relief companies won’t tell you about all your options — especially the ones they can’t profit from. Credit counseling has a 21-27% completion rate. Settlement resolves about 1% of enrolled debts fully. Bankruptcy has a 95% discharge rate — and protects your retirement. Take the Find Your Path quiz for a recommendation based on your actual numbers.
Browse all Debt Settlement Companies reviews, or see the full Company Reviews directory.
