Is Debthunch Legit Or A Scam? How Does Debthunch Work? Review

Debt can be overwhelming, and finding a solution to manage it can be just as challenging. That’s where debt relief companies like Debthunch come in. With promises of reducing your debt and improving your credit score, it’s no wonder that many people turn to them for help. However, the question remains: Is Debthunch legit or a scam?

In this article, we’ll dive into the world of Debthunch and explore its services, history, and customer reviews. We’ll also address some of the common questions and concerns that people have when considering using a debt relief company.

What is Debthunch?

Debthunch is a debt relief company that offers debt consolidation services. They work with clients to combine their unsecured debts, such as credit cards and medical bills, into a single monthly payment. By doing so, they claim to lower clients’ interest rates, monthly payments, and total debt owed.

Debthunch has been in business since 2016 and is headquartered in San Francisco, California. According to their website, they have helped thousands of people get out of debt and improve their credit scores.

How Does Debthunch Work?

Debthunch’s debt consolidation program works by first analyzing a client’s debt and financial situation. Based on this analysis, they will create a personalized debt repayment plan that consolidates all of the client’s unsecured debts into a single monthly payment.

Once the client agrees to the plan, Debthunch will work with the creditors to negotiate lower interest rates and monthly payments. This process can take several months, during which time the client will make monthly payments to Debthunch, who will then distribute the payments to the creditors.
Debthunch also offers a debt settlement program, which involves negotiating with creditors to settle a client’s debt for less than the full amount owed. However, this program is not available in all states and may not be the best option for everyone.

Is Debthunch Legit?

The question on everyone’s mind: Is Debthunch legit? The short answer is yes, Debthunch is a legitimate debt relief company that has helped thousands of people get out of debt.

Debthunch is accredited by the Better Business Bureau and has an A+ rating. They are also a member of the American Fair Credit Council, which sets ethical standards for the debt relief industry.

In addition, Debthunch has been featured in several reputable media outlets, including Forbes, CNBC, and Yahoo Finance. This suggests that they are a reputable company that has gained recognition in the industry.

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What About Customer Reviews?

While Debthunch may be a legitimate company, that doesn’t mean that everyone has had a positive experience with them. As with any business, there are bound to be some negative reviews.

However, when looking at customer reviews for Debthunch, the majority are positive. On Trustpilot, they have a 4.9 out of 5-star rating, with over 1,200 reviews. Customers praise Debthunch for their professionalism, transparency, and ability to help them get out of debt.

Of course, there are some negative reviews as well. Some customers have complained about high fees and a lack of communication from Debthunch. However, these negative reviews are the minority and are outweighed by the positive ones.

Let’s Look at the Fees

One common concern that people have when considering using a debt relief company is the fees. Debthunch charges a one-time enrollment fee and a monthly service fee, which varies based on the client’s debt and payment plan.

While some people may balk at the idea of paying fees for debt relief services, it’s important to remember that debt relief companies provide a valuable service. They can negotiate with creditors to lower interest rates and monthly payments, which can save clients thousands of dollars in the long run.

When compared to other debt relief companies, Debthunch’s fees are competitive. While they may not be the cheapest option, they are not exorbitant either. It’s important to weigh the fees against the potential savings before making a decision.

Common Concerns

Here are some common questions and concerns that people have when considering using Debthunch:

1. Will Debt Consolidation Hurt My Credit Score?

Debt consolidation itself will not hurt your credit score. However, it’s important to understand how it can affect your credit before making a decision.

When you enroll in a debt consolidation program, your credit accounts will be closed, which can lower your credit score. However, as you make payments on time and reduce your debt, your credit score will improve. In the long run, debt consolidation can actually help you improve your credit score.

2. Can I Still Use My Credit Cards While Enrolled in a Debt Consolidation Program?

No, you will not be able to use your credit cards while enrolled in a debt consolidation program. Your credit accounts will be closed, and you will not be able to open new ones until you have completed the program.

3. How Long Does the Debt Consolidation Program Take?

The length of the debt consolidation program depends on the client’s debt and payment plan. On average, it takes 24 to 48 months to complete the program. However, some clients may be able to complete it sooner, while others may need more time.

4. Is Debt Consolidation Right for Me?

Whether or not debt consolidation is right for you depends on your individual financial situation. Debt consolidation can be a great option if you have high-interest credit card debt and are struggling to make your monthly payments. However, it may not be the best option for everyone.

Before enrolling in a debt consolidation program, it’s important to speak with a financial advisor or debt relief expert to determine if it’s the right choice for you.

Official Website


So, is Debthunch legit or a scam? Based on our research, we can say that Debthunch is a legitimate debt relief company that has helped thousands of people get out of debt.

While there are some negative reviews and concerns about fees, the majority of customers have had positive experiences with Debthunch. It’s important to weigh the potential savings against the fees and to speak with a financial advisor before enrolling in a debt relief program.

In the end, the decision to use a debt relief company like Debthunch is a personal one. However, with their accreditation, positive customer reviews, and recognition in the industry, Debthunch appears to be a trustworthy option for those seeking debt relief.


Here are some frequently asked questions about Debthunch:

Is Debthunch Accredited by the BBB?

Yes, Debthunch is accredited by the Better Business Bureau (BBB) with an A+ rating. This means that the BBB has determined that Debthunch meets their accreditation standards, including a commitment to resolving customer complaints in a timely and satisfactory manner.

Does Debthunch Have a Money-Back Guarantee?

No, Debthunch does not offer a money-back guarantee. However, they do offer a free consultation and a satisfaction guarantee. If a customer is not satisfied with the services provided by Debthunch, they can cancel at any time without penalty.

What Happens if I Can’t Make My Monthly Payments?

If you are unable to make your monthly payments, Debthunch will work with you to find a solution. This may include adjusting your payment plan or negotiating with your creditors to reduce your payments. It’s important to communicate with Debthunch as soon as possible if you are having trouble making payments.

Will Debthunch Negotiate with All of My Creditors?

Debthunch works with most major creditors, but they cannot guarantee that they will be able to negotiate with all of your creditors. However, they will do their best to negotiate on your behalf and find a solution that works for you.

Will Debt Consolidation Stop Collection Calls?

Debt consolidation can help to stop collection calls, as your creditors will be contacted by Debthunch and instructed to contact them instead of you. However, it’s important to note that some creditors may continue to call you until the debt is paid off.

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