Fix My Debt America is a debt settlement company offering negotiation services for unsecured debt. This 2026 review covers fees, eligibility, the settlement timeline, and how it compares to National Debt Relief.
Quick Verdict: 3.8/5
A legitimate debt settlement service suited to specific circumstances — significant unsecured debt with genuine hardship. Damages credit scores and carries tax implications. Not a general recommendation.
How It Works
Clients stop paying creditors and redirect payments into a dedicated savings account. Negotiation typically achieves 40–60% of original balance. Settlement reached in 24–48 months. Fees: 15–25% of enrolled debt (charged only on settled accounts). Minimum enrolled debt: $7,500.
Pros and Cons
- ✅ Fees only charged on settled debts — no upfront charges
- ✅ Free consultation
- ❌ Severely damages credit score during the programme
- ❌ Settled debt may be taxable (IRS Form 1099-C)
Related Reviews
Exploring other debt and loan options? See our SuperMoney Personal Loans Review 2026, our Lenme Review 2026, and our eMortgage.com Review 2026.