Debt org
Debt.org is a US-based online consumer debt-help platform providing free educational content, tools, and referrals connecting individuals seeking credit card, student loan, mortgage, tax, and bankruptcy debt relief with vetted partner service providers, monetizing through affiliate referral fees.
- Company typePrivate
- Founded2012
- HeadquartersOrlando, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Debt org does
Debt.org is a privately held online consumer finance platform operating as 'America's Debt Help Organization,' headquartered in Orlando, Florida and founded in 2012. The company provides free educational content, tools, and referral services to US consumers seeking relief from personal debt, including credit card balances, student loans, mortgages, tax obligations, medical bills, and bankruptcy filings. Debt.org functions as a content portal and lead-generation intermediary rather than a direct debt relief provider, structured around a web-based content management system delivering articles, blog posts, infographics, calculators, and state-specific guides across multiple debt verticals, with 256-bit bank-level encryption for data security and BBB Accredited Business status.
The company monetizes exclusively through affiliate referral fees paid by a network of vetted debt service partners. Core channel partners include InCharge Debt Solutions, National Debt Relief, and Freedom Debt Relief, while marketing partnerships span Marcus by Goldman Sachs, Rocket Loans, Upgrade, LightStream, PenFed, Discover, and Credible. Distribution is entirely online within the US market, driven by organic SEO, content marketing, and earned media placements in Business Insider, CNBC, Forbes, The Guardian, Washington Post, and Time. Lead capture is conducted through website forms and a toll-free number ((888) 454-2316) that routes consumers to partner specialists.
The company operates with 11–50 employees, is led by President Curt Henderson, and has no disclosed external funding, parent company, or M&A activity. Operating geographies are limited to the United States, with no evidence of international expansion. The business model is structurally a high-leverage organic-acquisition affiliate platform, dependent on partner network economics and SEO-driven traffic rather than direct service delivery or proprietary technology IP.
Debt org firmographics
Firmographics- Name
- Debt org
- Legal name
- Debt.org LLC
- Website
- https://debt.org
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Debt.org is a US-based online consumer debt-help platform providing free educational content, tools, and referrals connecting individuals seeking credit card, student loan, mortgage, tax, and bankruptcy debt relief with vetted partner service providers, monetizing through affiliate referral fees.
- Ownership category
- akta.pro rank
Debt org industry classification
Industry- Product category
- Consumer Debt Relief Education and Referral Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141)
- akta.pro primary industry
- Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)
- akta.pro secondary industries
- Credit & Debt Management (Credit Scores, Loans, Repayment) (EDAAAJAC), Collections, Recovery & Debt Management Platforms (FSAGAHAI), Debt Consolidation Personal Loans (Unsecured Installment) (FSAKAAAD), Financial Literacy, Debt Counseling & Default Prevention (EDALAJAK)
Keywords
Where Debt org is headquartered
LocationHeadquarters
- HQ city
- Orlando
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Debt org business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Affiliate/Referral Fees from Debt Service Providers: Debt.org earns marketing fees when users click or sign up for services from featured debt relief companies including InCharge Debt Solutions, National Debt Relief, Freedom Debt Relief, and other consolidation and settlement providers listed on their site.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Debt org product offering
Product offeringCore offering
Debt.org operates a free online financial education portal and referral service that publishes articles, blog posts, calculators, and tools covering credit card debt, debt consolidation, debt settlement, student loans, bankruptcy (Chapter 7 and 13), tax debt, mortgages, and personal loans. It connects consumers seeking debt relief with vetted third-party debt specialists and lending partners, monetizing via referral fees from those providers rather than delivering debt services directly.
Product overview
Debt.org is America’s Debt Help Organization — a consumer-facing financial education platform offering a comprehensive portfolio of information resources and referral services. The core product is an online portal providing free articles, tools, calculators, and blog content covering debt consolidation, debt settlement, student loans, bankruptcy (Chapter 7 and Chapter 13), tax debt relief, mortgages, and credit card management. The platform connects users with trusted third-party debt specialists and service providers through referral partnerships. Additional offerings include specialized guidance for veterans, state-specific debt relief programs, and interactive financial tools like credit score graders and debt-to-income calculators.
Differentiator
Problem solved
Functional benefit
Companies that use Debt org
Customer profileNamed customers1 record
Segments6 records
Ideal customer profiles6 records
Debt org technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Debt org partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- InCharge Debt SolutionscoreInCharge Debt Solutions is a nonprofit credit counseling agency providing financial education and debt management plans featured on Debt.org as a trusted service provider.
- National Debt ReliefcoreNational Debt Relief is a debt settlement company featured on Debt.org helping consumers settle debts for less than owed.
- Freedom Debt ReliefcoreFreedom Debt Relief provides debt settlement services and is featured as a trusted partner for consumers seeking debt relief options.
- CredibleminorCredible is referenced as a partner for mortgage rates and personal loan products, with referral links for student loan refinancing.
- Rocket LoansminorRocket Loans offers personal loans and is featured as a debt consolidation option for readers.
- UpgrademinorUpgrade provides debt consolidation loans and is listed as a partner company for readers seeking consolidation options.
- Marcus by Goldman SachsminorMarcus offers personal loans for debt consolidation and is featured as a lending partner option.
- LightStreamminorLightStream provides debt consolidation loans and is featured as a partner option for readers.
- PenFed Credit UnionminorPenFed offers credit union debt consolidation options featured on the site.
- DiscoverminorDiscover provides personal loans for debt consolidation and is listed as a partner company.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
Debt org competitors and assessment
Company assessmentDirect peers
- NerdWallet: Public consumer personal finance content platform with deep SEO authority in credit cards, loans, mortgages, and debt products, monetizing through financial product referrals to lenders and debt service providers — directly overlapping Debt.org's content-plus-affiliate model.
- Bankrate: Owned by Red Ventures, Bankrate is one of the longest-standing consumer finance content and lead-generation platforms covering mortgages, credit cards, deposits, and debt — operating the same affiliate referral model as Debt.org across overlapping debt verticals.
- LendingTree: Online loan marketplace connecting consumers with multiple lenders across personal loans, mortgages, debt consolidation, and credit products — directly comparable as a consumer-facing referral and comparison platform in the debt and lending space.
- Credit Karma: Owned by Intuit, Credit Karma provides free credit scores and personal finance content while generating revenue through financial product referrals across credit cards, loans, and debt products — a scaled, data-rich analog of Debt.org's content-plus-referral model.
- The Balance: Dotdash Meredith-owned personal finance content site covering debt, credit, loans, and banking with affiliate monetization — directly overlapping Debt.org in editorial content and SEO-driven affiliate referrals across debt verticals.
- WalletHub: Consumer credit and personal finance platform offering credit scores, wallet tools, and financial product comparison content with affiliate monetization — competing directly for SEO traffic on credit cards, loans, and debt-related queries.
- SmartAsset: Financial advisor and product matching platform covering mortgages, credit cards, retirement, and debt, monetizing through lead generation to financial services providers — directly comparable to Debt.org's consumer-intent and referral model.
- Money.com: Formerly Time's Money magazine, Money.com is a consumer personal finance publication covering debt, banking, investing, and credit products with affiliate revenue — directly comparable editorial and monetization model to Debt.org.
- Finder.com: Consumer financial comparison platform covering credit cards, loans, banking, and debt products with affiliate monetization across multiple verticals — operating a similar content-plus-referral model to Debt.org at greater scale.
Others
- InCharge Debt Solutions: Nonprofit credit counseling agency that is both a core channel partner for Debt.org and an adjacent operator offering debt management plans and financial education — overlapping content and service offerings with Debt.org in the credit counseling space.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
Debt org social profiles
Digital presenceDebt org compliance and trust
Trust signalCompliance1 record
Debt org financial estimates
Financial estimateRevenue estimate
Valuation estimate
Debt org leadership team
Management profileNumber of profiles
Profiles1 record
Debt org funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Debt org M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Debt org
What does Debt org do?
Debt.org operates a free online financial education portal and referral service that publishes articles, blog posts, calculators, and tools covering credit card debt, debt consolidation, debt settlement, student loans, bankruptcy (Chapter 7 and 13), tax debt, mortgages, and personal loans. It connects consumers seeking debt relief with vetted third-party debt specialists and lending partners, monetizing via referral fees from those providers rather than delivering debt services directly.
Is Debt org a public or private company?
Debt org is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Debt org founded?
Debt org was founded in 2012. It employs 11 to 50 people.
Where is Debt org based?
Debt org is headquartered in Orlando, United States, in the North America region.
How does Debt org make money?
One revenue line is on record: affiliate/Referral Fees from Debt Service Providers.
Who are Debt org's main competitors?
Direct peers on record are NerdWallet, Bankrate, LendingTree, Credit Karma, The Balance, WalletHub, SmartAsset, Money.com and Finder.com. InCharge Debt Solutions is listed as an others.
Does Debt org have an API?
No public API is recorded for Debt org.
What industry is Debt org in?
Debt org's product category is Consumer Debt Relief Education and Referral Services. Its primary akta.pro industry code is FSAKAJAH, Credit Counseling & Debt Management Plans (DMP), with a secondary code of EDAAAJAC, Credit & Debt Management (Credit Scores, Loans, Repayment). Its NAICS code is 522310 and its SIC code is 6163.