Debt Consultants Group Reviews

Is Debt Consultants Group legit?

Yes, in the sense that matters most: it is a real, operating business debt relief firm in Miami, Florida, registered with a business start date of 2 September 2021, with a claimed Trustpilot profile, a BBB business profile, hundreds of client reviews, and named staff that clients praise by name. Whether it is the right fit for your situation is a separate question, and one the six criteria on this page are designed to help you answer.

Is Debt Consultants Group a scam?

We are not going to apply that word to any company, and nothing in the public record would support it here. What the record does show is a divided picture. Trustpilot holds 4.7 stars from 296 reviews, most praising named case managers and weekly contact. BBB rates the firm F, lists it as not accredited, and cites 14 complaints with 2 the business did not answer. Some clients report real payment reductions and the company publicly answers criticism in detail. Others dispute fees, timelines and the accounting of their funds. Read both records yourself and ask the six questions before you decide.

What are the reviews like on Trustpilot for Debt Consultants Group?

Strong, and heavily weighted toward the service experience. As of September 2026 the profile shows 4.7 stars across 296 reviews, 195 of them in the past twelve months, with 84 percent at five stars and 10 percent at one star. The overwhelming theme in the positive reviews is named case managers, Patricia, Alondra, Alquinton, Darrell and others, and consistent weekly check-in calls. The one-star reviews concentrate on fees, program length and the accounting of weekly payments. Trustpilot's own note on the profile says the company has not invited customers recently, so reviews may not be representative, which is worth knowing when you read them.

What is Debt Consultants Group's BBB rating?

BBB rates Debt Consultants Group Inc. F and lists the business as not BBB accredited. The stated reasons are 14 complaints filed against the business and 2 complaints the business failed to answer. BBB reports 7 complaints closed in the last twelve months and shows a customer review average of 1 out of 5 from 6 reviews. Those are BBB's own published figures rather than our characterisation, they cover a three-year reporting period, and BBB itself notes that the nature of complaints and a company's responses are often more telling than the raw count. Check the current profile directly before you make a decision.

How much does Debt Consultants Group cost?

They do not publish a fee structure. Their website says "No Hidden fees" but does not explain how the company is paid, so the only reliable way to find out is to ask them directly and get the answer in writing. This is worth pressing on, because the fee total is the single most common point of dispute in their critical reviews, with individual clients describing figures in the tens of thousands that they say were not clear to them at signing. Ask for the total fee as a number and the full schedule of weekly deposits showing how each payment splits between settlement funding and fees.

Can merchant cash advance debt be consolidated?

Not in the way most owners mean when they search for it. Debt consolidation normally describes taking one new loan that pays off several old ones, leaving a single payment at a better rate. For stacked merchant cash advances that product essentially does not exist, and since 2025 SBA money cannot be used to pay off cash advances either. So when you see debt relief services advertising something that sounds like consolidation for MCA debt, what is actually on offer is almost always settlement or restructuring: payments stop going to the funders, one reduced payment goes into an escrow account instead, and balances are negotiated down from there.

The vocabulary confusion is everywhere, including in reviews. Debt Consultants Group clients use "debt consolidation" and "debt consolidator" loosely in their own Trustpilot reviews to describe what is really a settlement program. It matters because the two things carry very different risks and timelines, so when you speak to any company, ask them to say plainly which one they are selling you. ClearBizDebt describes its own program as restructuring and settlement rather than debt consolidation, for exactly that reason.

Will an MCA settlement program affect my credit score?

Honestly, it depends, and any company that answers this with a flat no is overselling. A merchant cash advance is business debt, and it is generally not reported to the consumer bureaus the way a personal credit card is, so the credit reporting picture is usually different from consumer debt settlement. That is the reason many owners are told there is no impact.

What complicates it: most MCA agreements carry a personal guarantee, a funder, a debt collector acting on its behalf, or one of the debt collection agencies these accounts get placed with may still report or pursue the balance, a judgment entered against the business becomes a matter of public record, and business credit is a separate file from your personal credit score. One Debt Consultants Group reviewer states they ended up with negative credit reporting after their experience. So the accurate answer is that consumer credit impact is often limited, but it is not guaranteed to be zero and it varies with your agreement and what your creditors do. Ask any company to put its answer in writing against your specific contracts rather than accepting a general reassurance.

How do debt consultant groups make money?

Almost always from fees taken out of the payments you make into the program, rather than from the creditor. You make one reduced weekly or monthly payment, part of it accrues toward settlements and part of it pays the company, and the split between those two is the whole ballgame. Where a program front-loads its fees, months of payments can go by with very little built up toward actually settling anything, which is why the deposit schedule matters more than any other document you will be shown. Ask for it before you sign and it stops being a mystery.

What is the downside of using a debt relief program?

There are several, and any firm that pretends otherwise is overselling. Programs cost money, and the fees are real, particularly where a company takes upfront fees before any creditor has been contacted. They take time, often a year or more, and the early months can feel like nothing is happening while funds build and creditors are still pursuing you. Pressure usually increases before it decreases: expect calls and texts from the funder, from a debt collector acting for them, or from debt collection agencies the account gets placed with, and expect contact with your customers and vendors. A creditor may file a UCC lien or a lawsuit, which is why legal coverage matters. And there is no guaranteed outcome. Set against that, the alternatives for a business drowning in stacked advances are paying every dollar owed or closing the business, which is why owners weigh it in the first place.

What does Dave Ramsey say about debt settlement companies?

Ramsey has long been critical of the debt settlement industry and generally advises people to deal with creditors directly rather than pay a third party to do it. That advice is aimed mainly at consumer debt, and on its own terms it is reasonable: plenty of people do negotiate successfully on their own, and we would rather say that plainly than pretend otherwise. Merchant cash advance debt is a different instrument, though. It is business debt, it is often stacked across several positions, and it carries mechanics such as UCC liens and confessions of judgment that most owners have never dealt with. Doing it yourself is a genuine option worth considering. Whether it is the right one depends on how many positions you carry, whether a funder has already filed, and how much time you have.

Debt Consultants Group vs ClearBizDebt, what is the difference?

Both work merchant cash advance debt for business owners, so the difference is in what each firm can show you. ClearBizDebt has 19 years on MCA debt specifically against a business start date of 2021, publishes the full deposit and fee schedule before you sign against no published fee structure, gives you escrow access you can check any day, and assigns an attorney at no extra cost if and when a creditor files. Where Debt Consultants Group looks genuinely strong is service: named case managers and weekly calls, praised consistently by hundreds of reviewers. Compare both on the same six questions and choose on the answers rather than the marketing.

How should I read reviews for any MCA settlement company?

Look for patterns rather than individual ratings, and read across more than one platform, because different platforms capture different stages. Most five-star reviews in this industry describe the user experience of dealing with a company, a rep who answers the phone and calls every week, and that is a real thing worth having. They rarely describe the economics. Money disputes tend to be written at the end. A firm can genuinely be good at one and weak at the other.

So check whether the company responds to criticism and how, note whether reviews were solicited, confirm you are reading client reviews rather than employee reviews on a careers site, and treat any review that describes specific numbers as more useful than one that describes a feeling. Then verify the things that matter with the company directly, in writing. We have applied this same approach to Rise Alliance reviews and the other firms in this space.