Debt relief company · complaint record
Is Debt 0 legit?
Filed under DEBT 0, INC
Debt 0 is a real debt relief company with a public complaint record: 29 complaints since 2017, and it is still answering them. It answered 100% on time and closed 50% with relief. A complaint record shows how a company treats people when things go wrong - it doesn't prove wrongdoing, and bigger companies get more complaints.
Rated once a company has 25+ complaints in 12 months. How it works
What the record shows
Good signs
- Answers complaints on time100% of complaints answered within 15 days.
- Active and answeringIt took part in the complaint process as recently as Sep 21, 2026.
Red flags
- Many complaints mention fraud or scams5 complaints (17%) are about fraud or scams - often scammers using the company, not the company itself.
From the complaint record only. A company can be legitimate and still not be right for you; a company with few complaints may simply be small.
- Complaints on record
- 29
- Last 12 months
- 6
- Answered on time
- 100%
- Closed with relief
- 50%
- Last 30 days
- 0
- Rank
- #37 of 124
Since May 2017
new vs the year before
Industry: 91%
Typical debt relief company: 16%
Newest: Sep 21, 2026
Most complained-about debt relief & credit repair companies
How to check Debt 0 yourself
- Use contact details you found yourself. Go to the company's own website or the number on your card or statement - never a number or link from a text, email or caller.
- Check its licence. Lenders, servicers and money transmitters are usually licensed by the states - search NMLS Consumer Access and your state's financial regulator.
- Read the latest complaints. Look for the same problem again and again in the complaint log, and at how they were answered.
- Read people's own experiences. See what others say about Debt 0, and add yours.
- Get everything in writing before you pay, sign or share anything.
More: how to check if a company is legit · how to spot financial scams
Your rights with debt relief & credit repair companies
The Credit Repair Organizations Act bans credit repair companies from charging before the work is done and gives you three days to cancel. Debt settlement companies that sell by phone cannot charge fees until they have actually settled a debt. You can do everything a credit repair company does yourself, for free.
General information, not legal advice; rules vary by state. Plain-English guides
Experiences with Debt 0
AllHave you dealt with Debt 0? Tell people whether it was legit in your experience.
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Is Debt 0 a real company?
Debt 0 is a real debt relief company with a public complaint record: 29 complaints since 2017, and it is still answering them. It answered 100% on time and closed 50% with relief. A complaint record shows how a company treats people when things go wrong - it doesn't prove wrongdoing, and bigger companies get more complaints.
Is Debt 0 a scam?
Its record shows a real debt relief company that answers complaints through the official process (100% on time). Scammers often pretend to be well-known companies, though: if someone contacts you claiming to be Debt 0, hang up or delete the message and contact the company using details you found yourself. Walk away from anyone who wants money up front, tells you to stop contacting your creditors, or promises a "new credit identity".
Can I trust Debt 0?
Look at the trend and the answers rather than the total: Debt 0 closed 50% of complaints with relief and complaints are too new to show a trend. Read the experiences from people like you.
What should I do if Debt 0 won't fix my problem?
Put it in writing to the company, keep copies, then file an official complaint - companies must answer. See what to do if a company ignores your complaint.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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