American Fair Credit Council
Debt Relief Reviews

BBB A+ Accredited Business

Debt Settlement reviews

International Association of Professional Debt Arbitrators - IAPDA Debt Negotiators

Professional Debt Negotiation Services

How Debt Negotiation Works

Learn more about how our program can help you eliminate your unsecured debt.

Do you Quality for Debt Settlement?

Do I Qualify for Debt Settlement

Find out if you are eligible for our service and how much you can save when we fight for you!

Proven Debt Relief Results

Proven Debt Relief Results

View our archive of settlement letters and testimonials to see how much we have saved past clients.

The Debt Settlement Specialist

We are the Debt Settlement “Specialist

With over 15 years of experience in Financial Services and Debt Settlement, we know how to deal with creditors to save you time and money. Let our team of certified debt negotiators fight to settle your debt for less then you owe.

Learn more about Debt Settlement


Don’t Just Settle your Debt, Negotiate It!

We don’t simply consolidate and settle debt. Instead we negotiate with your creditors to accept less than what you owe. This is an aggressive approach to debt relief which can save you BIG!

Learn more about Debt Negotiation

Negotiate your Debt


No results, No Fees!

No Results, No Fees…

We work strictly on a performance basis… No results, no fee! We know our program works, that’s why we can offer this promise to our customers. Experience debt relief with REAL RESULTS!

If we don’t settle your debt, you don’t pay a dime!

Read Testimonials

Credit Card Debt Relief is only a call or click away

Consumer Debt Help Association, was one the best things I have done in my life. They helped me work through paying off 6 credit cards over $50K in 3 and half years.

I am so impressed with this company. They did not pressure me, they did not harass me, They called every month, and I mean every month to check on me and see if I had any questions or concerns. They assisted in a legal matter I had with one of the credit cards. I did not have any attorney fee’s or court fees, They HANDLED IT ALL.

I would so highly recommend this company to anyone who is needing to clean up their credit. I did have to commit to making the payments religiously, which I did. They handled issues that came up with my husband’s work. I absolutely love Carol and Angela, who handled my account.”

Cynthia R. / Better Business Bureau

Our Track Record Of Success

  • Better Business BureauA+ Accredited Business
  • Google Reviews – 4.9 out of 5 Star Reviews
  • Insider Pages Reviews – 5 out of 5 Star Reviews
  • Next Biz Reviews – 5 out of 5 Star Reviews
  • Yelp Pages Reviews – 5 out of 5 Star Reviews
  • Show Me Local Reviews – 5 out of 5 Star Reviews
  • Manta Reviews – 4.9 out of 5 Star Reviews
  • Yellow Pages Reviews – 4.9 out of 5 Star Reviews
  • Trust Link Reviews – 5 out of 5 Star Reviews

Common Debt Settlement Questions

  • Is the Consumer Debt Help Association legitimate?

    Absolutely! We are a company that has been in the financial services world for almost two decades. Consumer Debt Help Association has been doing debt negotiation for over 15 years. We work directly with credit card companies, banks, collection agencies daily and with that have created great relationships with the creditors. This is extremely convenient and helpful to you, our client. Our proven track record shows we are stellar at settling client debt for significantly less than what they owe. All this and we do not charge upfront fees! We are a performance driven company and will only get paid once we have successfully negotiated your debt settlement. You have nothing to lose!

    Don’t just take our word for it- read what our clients have to say about us. We provide top-notch service and are proud of our A+ rating with the BBB. Feel free to go online and google us to read real results from our clients.

  • What is the CDHA Debt Relief Program?

    Just as the name implies, we are here to offer you relief from your debt. Here our goal is to get you the lowest possible settlement on each account. We do this by negotiating with the creditors to significantly reduce the balances owed. A perk of our program is we do not charge a fee until we have settled your accounts and your creditors have received their first payments. We are vigilant in monitoring our client’s payments and help to ensure they are adhering to their Monthly Savings Schedule that we create for them. This helps to accumulate funds so that when a settlement is reached, their is money available to pay the creditors. All payments for all accounts are deducted from the client’s dedicated savings account with a traceable payment to ensure payment is applied accurately. This same process is repeated for each card/debt enrolled in our program.

  • How can I remove my debt without paying?

    The great part about our program is every case is unique and every settlement is different. So until you try you won’t know much money we can save you. If you’re experiencing financial hardship or even if you’re just trying to lower your bills and payments, you came to the right place! Our debt negotiations are accredit and experienced. We will work directly with your creditors to get the absolute best settlement on your behalf. Some creditors are fine with settling for pennies on the dollar! Bankruptcy is not the answer. Before taking such a drastic route, talk to us and let’s figure out the best solution for you.

  • How does Debt Settlement affect my credit?

    Unless you have been making the minimum payment monthly and on time, your credit is affected. One of the criteria to be eligible for our program is the account has to be delinquent. This will have a negative impact on your credit. Your score will be affected by participating in our debt negotiation program and unfortunately this is unavoidable. Over time your credit will improve if you take the necessary steps. The majority of our clients are turning to debt settlement for debt relief. The priority is taking care of the debt. Our program is for people who are struggling to make their payments or who have already fallen behind. This is most likely not the best option for those who have the ability to pay their creditors on time and are able to keep their accounts current.

  • How much does this Program cost?

    If you were on the fence if debt settlement is for you, then this should help you decide. There are NO upfront fees! We are a performance based company and only get paid when we reach a settlement for you and you start payments. We will collect a fee from your dedicated savings account that we set up for you. This fee is only collected when your creditor receives the first payment on your settlement account. Our performance fee is fully disclosed in your initial enrollment agreement. This is a win win for you, the client. If we are unable to reach a settlement for you, we do not get paid. Please contact one of our representatives to find out the exact fee for you state as some states have varying fee restrictions.

Do you Qualify for our Debt Relief Program?

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