Cero Deuda Review 2025

Introduction

For many Spanish-speaking consumers in the United States, finding trustworthy debt relief services in their own language can be challenging. In this Cero Deuda review, we examine what the company offers, how its program works, and whether it’s a legitimate choice for managing unsecured debt. Based in Boca Raton, Florida, Cero Deuda LLC specializes in debt settlement and financial education for the Hispanic community. The company positions itself as a bridge for consumers who prefer Spanish-language communication when seeking help to reduce credit card, personal loan, or medical debt.

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How Cero Deuda Works

Cero Deuda operates as a debt settlement company, negotiating with creditors on behalf of clients to reduce total balances owed. Their process is similar to other major settlement firms but tailored for bilingual service and accessibility.

1. Free Consultation (Consulta Gratuita)

Clients begin with a free consultation online or by phone through CeroDeuda.com, where specialists assess total unsecured debt and monthly income to determine eligibility.

2. Enrollment (Inscripción)

Once approved, clients are enrolled in a structured program. Instead of paying creditors directly, participants make fixed monthly deposits into a dedicated account in their own name, which accumulates funds for settlements.

3. Negotiation and Settlement (Negociación)

When the balance is sufficient, Cero Deuda’s negotiators contact creditors to settle accounts for less than the full amount owed. The company reports that most clients complete the process within 24 to 48 months, depending on total debt and consistency of payments.

4. Ongoing Support (Asistencia Continua)

Cero Deuda provides bilingual customer service and ongoing guidance to help clients stay informed and rebuild financial stability after completing the program.

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Who It’s Best For

Best for Spanish-speaking consumers with $10,000 or more in unsecured debt who want culturally and linguistically accessible debt settlement support.

Stand Out Features

Bilingual Support (Apoyo Bilingüe) All consultations, documents, and communications are available in Spanish, ensuring clarity for Hispanic consumers nationwide. BBB-Registered Business Cero Deuda maintains a BBB A rating, showing verified business presence and responsiveness on the BBB. No Upfront Fees Fees are charged only after a successful settlement, in line with FTC regulations. Community-Focused Education The company emphasizes financial literacy, offering budgeting tips and debt management education in Spanish.

Pros and Cons

Pros

• Spanish-language service for U.S. Hispanic consumers.
• BBB A rating with an active company profile.
• No upfront fees until settlements are reached.
• Educational approach promotes long-term financial improvement.

Cons

• Not BBB accredited.
• Limited public information on leadership or national scale.
• Only offers debt settlement. No consolidation or credit counseling.

Is Cero Deuda Legit?

For those searching “Cero Deuda es confiable,” the answer is “sí”. Yes, Cero Deuda LLC appears to be a legitimate debt relief company with an active BBB profile and A rating. It follows FTC guidelines prohibiting upfront settlement fees and provides verifiable contact information and customer reviews. However, it is not BBB accredited, and there’s limited third-party data confirming its overall volume or national reach. Clients should review all written contracts carefully and confirm program details before enrolling.

Final Verdict

Cero Deuda fills an important gap in the debt relief industry by offering bilingual services for Spanish-speaking consumers. Their A rating on the BBB and focus on client education make it a credible, community-oriented option, even though it lacks formal accreditation and broad national recognition. For those seeking debt help in Spanish and personalized guidance through the settlement process, Cero Deuda provides a practical and culturally accessible solution.

• Explore more options in our full Debt Relief Buyer’s Guide.