Debt Advice

What Debt Advice does

Debt Advice is a US-based, privately held debt relief services company headquartered in Tacoma, Washington, operating since approximately 2020. The company provides five integrated services for individuals and small businesses struggling with debt: Debt Relief, Debt Settlement, Debt Consolidation, Debt Negotiation, and Tax Debt Relief (covering IRS and state tax obligations including offer-in-compromise, installment agreements, and penalty abatement). The core function is creditor negotiation — working to reduce principal balances, interest rates, and monthly payments on unsecured debts such as credit cards, personal loans, medical bills, and store cards. Debt Advice targets a horizontal segment of distressed consumers and small businesses across all US states, with no disclosed enterprise contracts or named institutional customers.

The company's service model is structured as a multi-phase program: clients begin with a free consultation and assessment, then make monthly deposits into an FDIC-insured, client-controlled savings account until sufficient funds accumulate, after which the company negotiates with creditors to settle debts at reduced amounts. Pricing is contingency-based with no upfront fees; the company charges 15-25% of the settlement amount, processed only after a client authorizes each settlement. This fee structure functions as a trust-building mechanism in a category with significant consumer skepticism about upfront-charging debt settlement firms.

Debt Advice distributes its services through a direct-to-consumer model combining phone-based inside sales (toll-free 24/7 number), a self-serve multi-step online application funnel, and organic digital marketing via its website, educational content, and social media presence on Facebook, LinkedIn, Instagram, and Twitter. The company has 51-100 employees, no disclosed funding or institutional investors, no proprietary technology platform, no mobile app, no patents, and no disclosed partnerships. The underlying technology stack is a WordPress-based website with no AI/ML, API, or third-party integration capabilities described. Revenue is generated entirely through professional service fees on completed debt settlements, with no disclosed revenue figures, ARR, or transaction volume. The company is led by CEO David Rodger, with no other executive team disclosed.

Name

Debt Advice

Legal name

Debt Advice

Website

https://debts-advice.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

51–100 employees

Short description

Debt Advice is a Tacoma, Washington-based debt relief services company providing debt settlement, consolidation, negotiation, and tax debt relief to US consumers and small businesses nationwide, operating on a contingency-based fee model.

Ownership category

akta.pro rank

Product category

Debt Relief Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

Debt Settlement / Negotiation Programs (Non-loan) (FSAKAIAK)

akta.pro secondary industries

Debt Settlement & Negotiation Services (FSAEAFAC), Collections & Creditor Negotiation Support (Debtor-Side) (FSAEAFAI), Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)

Keywords

• Debt settlement services
• Debt consolidation programs
• Tax debt relief
• Credit counseling services
• Debt negotiation advisory

Headquarters

HQ city

Tacoma

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Debt Settlement Fees: Fees are charged as a percentage of monthly payments made by clients during the debt settlement program. The company does not charge fees until debts are successfully negotiated and settled.
2. Debt Relief Program Fees: Program fees are included in monthly payments made by clients. Fees typically range from 15-25% of the settlement amount and are processed only after the client authorizes the settlement.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Debt Advice provides consumer-facing debt resolution and advisory services for individuals and small businesses in the United States, offering Debt Relief, Debt Settlement, Debt Consolidation, Debt Negotiation, and Tax Debt Relief programs. The company negotiates with creditors to reduce principal balances and monthly payments, consolidates multiple debts into single payments, and resolves IRS and state tax debts, charging contingency-based fees of 15-25% only after successful settlement.

Product overview

Debt Advice operates as a single-platform debt advisory service offering five integrated debt relief solutions: Debt Relief, Debt Settlement, Debt Consolidation, Debt Negotiation, and Tax Debt Relief. These services work together to address various debt situations—Debt Negotiation and Settlement focus on reducing principal balances through creditor negotiations, Debt Consolidation streamlines multiple debts into single payments, Debt Relief provides overall debt resolution strategy, and Tax Debt Relief specifically handles IRS and state tax obligations. The company also provides a free consultation service to evaluate client eligibility and recommend the most appropriate solution. No product launches, AI capabilities, APIs, or third-party integrations were identified in the available source material.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Relief A debt resolution service for individuals struggling with unsecured debts in which the company negotiates with creditors to reduce the total amount owed, providing a structured path to financial recovery without taking a new loan.
• Debt Settlement A debt relief process in which the company negotiates with creditors to settle debts for less than the full amount owed, helping clients save money and become debt-free faster than through traditional repayment. Fees are contingency-based and charged only after successful settlement.
• Debt Consolidation A debt management solution that combines multiple debts into a single payment, simplifying the repayment schedule and potentially reducing interest rates for the client.
• Debt Negotiation A flexible debt solution in which the company negotiates with creditors to reduce monthly payments, interest rates, and principal balances, tailored to each client's financial situation.
• Tax Debt Relief A specialized service for resolving tax debts owed to the IRS and state tax authorities, including offer in compromise, installment agreements, and penalty abatement options for clients unable to pay due to financial hardship.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Direct peers

• National Debt Relief: Largest US debt settlement company offering debt negotiation, consolidation, and related services directly to consumers via phone-based inside sales. Most directly comparable in model, customer base, and fee structure.
• Accredited Debt Relief: Debt settlement and consolidation provider serving consumers nationwide with phone-based consultation model. Closely aligned on target customer, fee structure, and service portfolio.
• Beyond Finance: Tech-enabled debt settlement company offering negotiation services and loan consolidation. Comparable consumer D2C debt relief model with stronger technology positioning.
• New Era Debt Solutions: Debt settlement and consolidation firm providing creditor negotiation services. Similar inside sales, contingency-based pricing, and unsecured consumer debt focus.
• Pacific Debt: Debt settlement company offering consumer debt negotiation services with a focus on personalized program structures. Comparable in model and customer demographic to Debt Advice.
• Freedom Debt Relief: Major US debt settlement firm providing negotiation services to consumers with unsecured debt. Directly comparable in service offering, contingency fee structure, and D2C inside sales model.
• CuraDebt: Debt settlement and tax debt relief provider serving individuals and businesses. Direct competitor with overlapping service portfolio including specialized IRS/state tax resolution.
• Greenlight Debt Relief: Debt settlement provider offering negotiation and consolidation services to consumer and small business clients. Comparable customer segments and inside-sales D2C model.

Emerging players

• TurboDebt: Tech-forward debt settlement company with digital onboarding flow. Comparable consumer debt relief offering but with stronger digital self-service capability than Debt Advice.

Broad incumbents

• JG Wentworth (Debt Relief): Established financial services brand with debt settlement operations. Comparable service offering as part of broader structured settlement and consumer finance portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/DebtAdvice4
• Facebookfacebook.com/USADebtAdvice
• LinkedInlinkedin.com/company/71201314
• Instagraminstagram.com/debtadvice_usa

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Advice