What Debt.com does

Debt.com is a U.S. consumer-facing financial education and referral platform founded in 2013 by CPA Howard Dvorkin and headquartered in Fort Lauderdale, Florida. The company operates a free online destination that connects individual consumers with independent third-party service providers across debt management, debt settlement, debt consolidation, credit counseling, student loan solutions, bankruptcy, credit repair, tax resolution, and medical debt. Its core technology product is the Instant Debt Advisor, a SaaS application licensed from All Clear Decisioning that uses automated decisioning combined with soft credit pulls (via Array) to match users with vetted providers. Supporting the platform is an extensive content library of articles, financial calculators, and recurring proprietary consumer surveys that drive organic search traffic and earned media coverage, including the annual Debt Awareness Week initiative.

Debt.com generates revenue primarily through referral and lead-generation fees paid by third-party financial service providers when consumers are matched and referred, supplemented by advertising income (including Google-served ads) on the site. The consumer-facing service is free; third-party providers set their own fees, which are disclosed transparently on the platform. Distribution runs through a dual model: a self-serve online sign-up flow and a phone-based inside sales operation staffed by certified debt counselors, supported by five toll-free numbers operating seven days a week. The company is privately held with 51-100 employees, has served over 10 million cumulative customers since inception, holds an A+ BBB rating, and markets itself as one of the oldest and largest debt-solution referral platforms in the United States, operating across all 50 states under its Florida LLC entity, Debt.com, LLC.

Name

Debt.com

Legal name

Debt.com, LLC

Website

https://debt.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

51–100 employees

Short description

Debt.com is a U.S. consumer financial education and referral platform founded in 2013 that connects individuals seeking debt relief with vetted third-party providers across credit counseling, settlement, consolidation, student loans, bankruptcy, tax, and credit repair, monetizing via referral fees and advertising.

Ownership category

akta.pro rank

Product category

Debt Relief Services

NAICS

Activities Related to Credit Intermediation (5223), Mortgage and Nonmortgage Loan Brokers (522310), Collection Agencies (561440)

SIC

Loan Brokers (6163), Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

akta.pro secondary industries

Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH), Financial Literacy, Debt Counseling & Default Prevention (EDALAJAK), Collections, Recovery & Debt Management Platforms (FSAGAHAI)

Keywords

• Debt relief services
• Financial education platform
• Debt consolidation referrals
• Credit counseling services
• Consumer debt marketplace

Headquarters

HQ city

Plantation

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Marketing or Sales, Personnel, Technology or R&D, Operations, Others

Revenue model

1. Referral/Lead Generation Fees: Debt.com connects consumers with independent third-party financial service providers (debt management, debt settlement, credit repair, bankruptcy attorneys, tax resolution, student loan services) and receives compensation from those providers for referrals. The company explicitly discloses it is a referral/lead generation platform, not a direct service provider.
2. Advertising Revenue: Third-party financial product providers (personal loans, credit cards, student loans, business loans) pay to feature their products on the Debt.com site. Debt.com receives compensation that influences product placement and featured status. Google and other ad networks serve display advertising on the site.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Debt.com is a free financial education and consumer-referral website that matches U.S. consumers with independent, accredited third-party debt relief service providers across categories including debt management, debt settlement, debt consolidation, credit counseling, student loan solutions, credit repair, bankruptcy, and tax/medical debt resolution. Its central product, the Instant Debt Advisor (IDA), is a licensed SaaS application that uses automated decision-making and soft credit pulls to analyze consumer finances and recommend appropriate debt relief programs. The platform monetizes through referral fees from providers and on-site advertising.

Product overview

Debt.com operates as a free financial education and referral website that connects consumers with independent third-party debt relief service providers. The platform offers a comprehensive suite of debt solutions including Debt Management Programs, Debt Settlement, Debt Consolidation, Credit Counseling, Student Loan Solutions, Bankruptcy referrals, Tax Debt Solutions, and Medical Debt Solutions. The core technology product is the Instant Debt Advisor, a licensed SaaS application that uses automated decision-making to match consumers with appropriate debt relief programs. Supporting the core offerings are various financial calculators (Debt-to-Income Ratio, Personal Loan, Credit Card Payoff, Auto Loan, Debt-Free Day Calculator), credit repair services, and educational resources including the annual Debt Awareness Week initiative and Money Confidence Roadmap.

Differentiator

Problem solved

Functional benefit

Products and services

• Instant Debt Advisor
• Credit Counseling
• Debt Management Program
• Debt Consolidation
• Debt Settlement
• Student Loan Solutions
• Credit Repair
• Bankruptcy Referrals
• Tax Debt Solutions
• Medical Debt Solutions

Quantifiable outcome

• Average debt resolved per client is $12,000
• +5 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability4 records

Feature1 record

Partnerships

Five partnerships are on record, tiered flagship, core and minor.

• Junior Achievement of South FloridaflagshipStrategic or Co-development Partner · 3 February 2026Debt.com and Consolidated Credit renewed their partnership with Junior Achievement of South Florida to deliver hands-on financial education programs to students. The collaboration includes immersive storefront experiences at JA World where students learn budgeting and career skills, participation in JA's 'Bring on Tomorrow' summit, and distribution of free educational resources including the 2026 Money Confidence Roadmap to families. The partnership aims to build financial confidence early in students and prevent debt challenges later in life through family engagement.
• All Clear Decisioning, LLCcoreTechnology or IntegrationAll Clear Decisioning developed the Instant Debt Advisor (IDA), a SaaS platform licensed to Debt.com. The IDA uses proprietary automated decision-making technology to analyze consumer financial data and recommend suitable debt relief programs from vetted service providers. Debt.com administers the IDA site and licenses the technology. Array, a third-party service integrated into IDA, performs credit pulls per consumer authorization.
• Consolidated CreditflagshipStrategic or Co-development PartnerConsolidated Credit and Debt.com operate jointly in partnership with Junior Achievement of South Florida for financial education initiatives. Consolidated Credit also appears alongside Debt.com in marketing materials and on the Debt.com platform as a co-branded service option for consumers seeking credit counseling and debt management services.
• Google (Ads)minorGTM or Marketing PartnerDebt.com serves advertising through Google's ad platform. Google may serve display and search ads on the Debt.com site. Debt.com states it does not totally control all specific ads that appear on its site.
• Various Financial Service ProviderscoreChannel Partner/ Reseller/ DistributorDebt.com maintains referral relationships with a broad network of independent third-party financial service providers including debt management companies, debt settlement companies, credit repair providers, bankruptcy attorneys, tax resolution firms, and student loan relief companies. Debt.com receives compensation from these providers for consumer referrals made through its platform. These providers have their own terms of service and Debt.com does not guarantee outcomes.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• NerdWallet: A publicly traded consumer financial education and product comparison platform that monetizes via advertising and lead generation to lenders and card issuers. Comparable in business model (free content + referral fees) and in editorial/SEO-driven acquisition, though broader across all personal finance rather than debt-specialized.
• LendingTree: A publicly traded online lending marketplace that connects consumers with lenders across personal loans, debt consolidation, mortgage, and credit cards. Comparable because it operates a similar consumer-to-provider lead-generation model in adjacent lending verticals, though with a lender (not debt-settlement) focus and at much larger scale.
• Credit Karma: A Intuit-owned consumer finance platform offering free credit scores, credit monitoring, and product recommendations that monetize via referrals to credit cards and loans. Comparable because it combines free credit education, monitoring, and referral monetization in a single platform — overlapping with Debt.com's credit education, credit repair, and lending-referral streams.

Direct peers

• Money Management International (MMI): One of the largest U.S. nonprofit credit counseling agencies, providing debt management programs, housing counseling, and financial education. Directly comparable to Debt.com's credit counseling and DMP referral verticals and likely one of its 'vetted providers.'
• GreenPath Financial Wellness: A national nonprofit credit counseling and financial wellness provider offering DMPs, housing counseling, and student loan counseling. Comparable because it competes in the same counseling/DMP vertical that Debt.com aggregates and refers into.
• Consolidated Credit: A nonprofit credit counseling agency that delivers debt management programs and financial education — already a co-branded partner of Debt.com for credit counseling/DMP referrals. Directly comparable because it sits both as a competitor in consumer-facing financial education and as a downstream provider in Debt.com's network.
• CuraDebt: A debt settlement and tax debt resolution firm that markets directly to consumers and competes for the same distressed-debt segment that Debt.com's platform serves. Comparable referral competitor operating across debt settlement and tax resolution.
• National Debt Relief: One of the largest U.S. debt settlement companies, directly competing with Debt.com's settlement referrals through its own direct-to-consumer brand and heavy performance marketing. Highly comparable because it captures the same downstream settlement consumer that Debt.com refers out to other providers.
• Freedom Debt Relief: A leading U.S. debt settlement provider owned by Freedom Financial Network. Directly competes for the same debt-settlement-eligible consumer that Debt.com's platform routes to other settlement partners, and is one of the most likely 'vetted providers' in Debt.com's referral network.
• Accredited Debt Relief: A U.S. debt settlement firm with a national direct-to-consumer acquisition motion. Comparable to Debt.com because it competes for the same inbound distressed consumer and operates in the same referral/lead-generation ecosystem Debt.com monetizes.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/debtcom
• Facebookfacebook.com/debtcom
• LinkedInlinkedin.com/company/debt-com

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Debt.com