What do Cero Deuda reviews say?

Most Cero Deuda reviews highlight the company's bilingual Spanish-English support and no-upfront-fee policy. Customers commonly praise clear communication, professional service, and help achieving debt settlements.

What types of debt does Cero Deuda handle?

Cero Deuda specializes in unsecured debt settlement, including credit card debt, personal loans, and medical debt. They typically work with clients who have $10,000 or more in qualifying debt.

Cero Deuda LLC: Legit Debt Relief? Review 2026

Q: Is Deuda Cero the same as Cero Deuda?

Yes. 'Deuda Cero' is a common alternate way people search for Cero Deuda LLC. Both names refer to the same Spanish-language debt relief company based in Florida.

On this page19 sections

Ratings and complaints
Cero Deuda vs. competitors
Pricing
Step by step
Is Cero Deuda legit? (¿Es confiable Cero Deuda?)
How much Cero Deuda costs
How the Cero Deuda program works
Introduction
About Cero Deuda LLC
How Cero Deuda Works
Cero Deuda vs. Other Debt Relief Companies
Stand Out Features
People Also Ask About Cero Deuda
Risks of debt settlement to weigh first
Rules that protect you (y sus derechos)
Who should look elsewhere
What customers say
Alternatives
FAQ

Our verdict

Cero Deuda LLC is a real Spanish-language debt settlement company in Boca Raton, Florida, with an A+ BBB rating and no BBB complaints in the last three years, so on the record it looks legitimate (es confiable en ese sentido). It is not BBB Accredited, it does not publish its fee percentage, and its own disclosure says clients who finish pay roughly 68% to 75% of their enrolled debt once fees are included, over 24 to 48 months. Debt settlement means stopping payments to creditors, which will hurt your credit and can lead to lawsuits, so compare it with nonprofit credit counseling before you sign. Also note that "Deuda Cero" in Miami Lakes is a different company on the BBB.

Your options

Cero Deuda This review Spanish-speaking households with $10,000 or more in credit card or other unsecured debt who are already behind and want to avoid bankruptcy.

Visit site
Americor Alternative People with $7,500 or more in unsecured debt who cannot keep up with minimum payments and have ruled out credit counseling.

Visit site

Company: Cero Deuda, LLC, 433 Plaza Real, Suite 275, Boca Raton, FL; phone (800) 944-1126¹
BBB: A+ rating, not BBB Accredited, 0 complaints in the last 3 years, 14 customer reviews; business started June 25, 2021. The BBB lists phone (800) 317-2836; the website lists (800) 944-1126⁴
Service: Debt settlement only for unsecured debt: credit cards, lines of credit, cash advances, personal loans, medical bills, private student loans¹
Program length: 24 to 48 months for most programs (the home page says 12 to 48)³
Expected cost: About 40% to 60% of original balances before fees (home page), or 68% to 75% of enrolled debt including fees, for clients who complete the program, per the company¹
Fee percentage: Not published; fees are charged only after a debt is settled and vary by state²
Typical minimum debt: $10,000 or more in unsecured debt, per the company FAQ³
Complaints: No complaints under the name Cero Deuda in the CFPB complaint database, and 0 BBB complaints in the last 3 years (October 2026)¹⁰
Savings account: Your monthly deposits go to an FDIC-insured account in your name; about 90% of clients who stay in the program get a first settlement within nine months, per the company³

Cero Deuda ratings and complaint records

BBB A+ Not BBB Accredited; 0 complaints in the last 3 years; 14 customer reviews; in business since June 25, 2021 View source
Trustpilot 3.7 out of 5 Only 1 review (September 2023), five stars; profile claimed by the company. Too few reviews to judge View source
CFPB complaints 0 No complaints found under the name Cero Deuda in the federal complaint database View source

Pros

Service built around Spanish speakers, from the website to the specialists
A+ BBB rating with no complaints filed in the last three years
No fee until a debt is settled, as federal rules require
Clear written disclosure of risks, including credit damage, lawsuits and tax consequences

Cons

Fee percentage is not published; you only see it in the contract
Your total cost is still about 68% to 75% of enrolled debt, by the company's own numbers
Not BBB Accredited, and only about five years in business
Home page uses "soluciones garantizadas" language, while the fine print says results are not guaranteed
Not available in every state

Best for: Spanish-speaking households with $10,000 or more in credit card or other unsecured debt who are already behind and want to avoid bankruptcy.

Skip it if: You are current on your bills and can afford reduced-interest payments, since a nonprofit credit counseling debt management plan protects your credit better.

Cero Deuda vs. competitors

Cero Deuda compared with competitors
Company	Fee	Total cost for clients who finish	BBB	Next step
Cero Deuda	Not published; varies by state; charged only after a settlement	68% to 75% of enrolled debt including fees, per the company	A+, not accredited, 0 complaints in 3 years	Visit site
National Debt Relief	Up to 25% of enrolled debt	About 80% of enrolled debt (saves about 20% including fees), per the company	A+, accredited, 544 complaints in 3 years	Visit site
PDS Debt	Not published; says settlement plans usually charge 15% to 25%	Not published	A+, accredited, 0 complaints in 3 years	Visit site

Debt relief companies we reviewed

Cero Deuda This review Best for: Spanish-speaking households with $10,000 or more in credit card or other unsecured debt who are already behind and want to avoid bankruptcy.

Visit site
Americor Best for: People with $7,500 or more in unsecured debt who cannot keep up with minimum payments and have ruled out credit counseling.

Visit site Read review
Debt Relief Advocates Best for: People with large unsecured debts they can no longer pay who have already ruled out credit counseling and want a quote from a smaller settlement firm.

Visit site Read review
Freedom Debt Relief Best for: People with large unsecured balances they can't pay in full, who can make steady monthly deposits for 2 to 4 years and accept the credit damage.

Visit site Read review
National Debt Relief Best for: People with large unsecured balances who are already behind, cannot qualify for a lower rate, and can afford a steady monthly deposit for two to four years.

Visit site Read review
Cambridge Credit Counseling Best for: People with steady income and credit card debt at high rates who could repay in three to five years if interest were lower.

Visit site Read review
Credit Associates Best for: People with $10,000 or more in credit card or medical debt they cannot repay, who are already behind and can stick with monthly deposits for two to four years.

Read review
Money Management International Best for: People with steady income and credit card debt they could repay in about five years if their interest rates were lower.

Visit site Read review

See all debt relief companies, ranked

Cero Deuda pricing at a glance

What Cero Deuda's own disclosure implies you pay in total, as published October 2026²

Enrolled debt	Total paid including fees (68% to 75%)	Reduction after fees (25% to 32%)
$10,000	$6,800 to $7,500	$2,500 to $3,200
$20,000	$13,600 to $15,000	$5,000 to $6,400
$30,000	$20,400 to $22,500	$7,500 to $9,600

Our arithmetic from the company's published 68% to 75% range for clients who finish. The fee percentage itself is not published and varies by state. Late fees, interest, lawsuits and taxes on forgiven debt can raise your real cost, and not every client finishes.

Cero Deuda, step by step

Free consultation
A Spanish-speaking specialist reviews your unsecured debts and income. The company says it typically works with $10,000 or more in unsecured debt.
Sign the agreement
Read the full contract, in Spanish or English, for the fee percentage, which is not published on the website.
Make monthly deposits
You deposit money each month into an FDIC-insured account in your name and stop paying the enrolled creditors, which will likely hurt your credit.
Settlements one by one
When enough money builds up, the company negotiates a lump-sum settlement with a creditor. It says about 90% of clients who stay get a first settlement within nine months.
Fees after each settlement
A fee is charged only after a debt is settled and you have made a payment under that settlement, as federal rules require.
Finish or leave
Most programs last 24 to 48 months. Under the FTC rule, you can leave at any time and get the money in your account back within seven business days, minus fees already earned.

Is Cero Deuda legit? (¿Es confiable Cero Deuda?)

On the public record, yes. Cero Deuda, LLC is listed with the BBB at the same Boca Raton address shown on cerodeuda.com, with an A+ rating, a start date of June 25, 2021, and no complaints filed in the last three years. We found no FTC, CFPB or Florida Attorney General action naming Cero Deuda, and no complaints under that company name in the CFPB complaint database.

Two cautions. First, it is not BBB Accredited, and a clean BBB file for a company this young and small is a limited signal. Second, names are easy to confuse: the BBB lists a separate company called Deuda Cero in Miami Lakes, Florida, in business since 2012, and a BBB search for “Cero Deuda” also returns the profile of Greenwise Financial Solutions, LLC, another Boca Raton debt relief firm. Before you sign, confirm the exact legal name on your contract and check that company yourself.

The public review record is thin. Trustpilot shows a single review from 2023, and the BBB lists 14 customer reviews. The CFPB complaint database has no complaints under the name. That is a good sign, but with so little data, the contract you sign matters more than the ratings. One more detail to check: the BBB lists (800) 317-2836 for the company, while the website shows (800) 944-1126, so call a number from cerodeuda.com when you verify anything.

How much Cero Deuda costs

Cero Deuda does not publish its fee percentage. Its site says you pay no fee until a debt is settled, which is what the FTC’s Telemarketing Sales Rule requires of debt relief companies that sell by phone. It also says fees vary by state.

The company’s own disclosure gives the best picture of total cost: clients who make every payment pay about 50% of their enrolled balance before fees, or 68% to 75% including fees, over 24 to 48 months. On $20,000 of , that is roughly $13,600 to $15,000 in total. Not every client finishes, and balances can grow from late fees and interest while you save.

Forgiven debt may count as taxable income. Talk to a tax professional, as the company itself recommends.

Checked the fees?Visit site Compare all

How the Cero Deuda program works

Cero Deuda is a company, not a lender and not a nonprofit. The program works like this: you stop paying the credit cards and other unsecured debts you enroll, deposit a set amount each month into an FDIC-insured account in your name, and the company negotiates lump-sum settlements once enough money has built up. The company says about 90% of clients who stay in the program get their first settlement within nine months, and most programs run 24 to 48 months.

It handles credit cards, lines of credit, cash advances, personal loans, medical bills and private student loans. It does not handle mortgages, car loans or federal student loans. The site serves Spanish speakers first and says the service is not available in every state; enter your state on the site or ask during the consultation.

¿Buscas información en español?

Sabemos que es importante entender los detalles financieros en tu propio idioma. Hemos preparado un análisis completo sobre Cero Deuda exclusivamente en español.

Leer Artículo en Español »

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.

See How Cero Deuda LLC Compares

About Cero Deuda LLC

Cero Deuda LLC is a debt settlement company registered in Florida, headquartered in Boca Raton. The company (also searched as “Deuda Cero”) specializes in bilingual debt relief services for Spanish-speaking consumers across the United States.

Unlike general market firms that rely on translators, Cero Deuda was built to serve the Hispanic community directly. As we detail in this Cero Deuda review, the company focuses exclusively on unsecured debt negotiation and professional financial guidance, distinguishing itself from loans or consolidation services.

How Cero Deuda Works

Cero Deuda operates as a debt settlement company, negotiating with creditors on behalf of clients to reduce total balances owed. A common point in every positive Cero Deuda review is their structured, four-step process tailored for 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 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.

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.

Cero Deuda vs. Other Debt Relief Companies

How does Cero Deuda compare to the giants of the industry? The main difference is the cultural focus.

Feature	Cero Deuda	National Competitors
Primary Language	Spanish (Native)	English (Translators)
BBB Status	A Rated	A+ / Accredited
Upfront Fees	$0 (No Fees)	$0 (No Fees)
Service Type	Settlement Only	Settlement & Consolidation

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 Better Business Bureau.

No Upfront Fees
Fees are charged only after a successful settlement, in line with FTC regulations.

What customers say about Cero Deuda

Muy agradecida con toda la información, todo claro y me contestaron todas mis dudas, muy amables y sobre todo la mejor atención, muy profesionales, muchas gracias.

Leticia M 5.0

Fue clara y eficiente su atencion al explicar su programa, que por cierto es convincente y eficaz a donde en un final llegas a resolver la deuda que tanto limita tu vida, son amables en su totalidad cumpliendo con todos los requisitos de comportamiento profesional.

Armando R R 5.0

¡Tuve una experiencia grandiosa con Cero Deuda! Muy recomendados. ¡Tuve una experiencia grandiosa con Cero Deuda! La verdad que desconocía este tipo de servicio y ayuda no tan común en latinoamérica, pero ha sido muy beneficiosa. Especialmente después de la pandemia, mis tarjetas de crédito se dispararon y no pude controlarlas por la falta de trabajo. Gracias a Cero Deuda volvi a recuperar mi estabilidad financiera y tranquilidad. Gracias, gracias.

Val Cecilio 5.0

Risks of debt settlement to weigh first

Cero Deuda’s program, like all debt settlement, works by having you stop paying creditors and save money in a dedicated account until there is enough to offer a lump sum. The company states that this will likely hurt your credit, that creditors may send you to collections or sue, and that results are not guaranteed. The CFPB and FTC give the same warnings and suggest checking first with a nonprofit credit counselor, who can set up a that usually lowers interest without settling for less.

If you do enroll, keep the savings account in your own name, read the full Spanish or English contract before signing, and ask what happens if a creditor sues you or refuses to settle. Cero Deuda says it removes creditors that refuse to settle and adjusts its fees.

Rules that protect you (y sus derechos)

Debt relief companies that sell by phone must follow the FTC’s Telemarketing Sales Rule. The key protections:

No upfront fees. The company can collect a fee only after it settles or changes at least one debt and you have made a payment under that new agreement.
The money is yours. The savings account must be at an insured bank, owned and controlled by you, and run by a company not affiliated with the debt relief firm.
You can leave any time. If you cancel, the money in the account must be returned to you within seven business days, minus any fees already earned under the rule.

Forgiven debt can count as taxable income; the IRS explains when canceled debt is taxable and when an exception such as insolvency applies. If a company asks for money before settling anything, promises a specific result, or tells you to stop talking to your creditors, report it to the FTC, the CFPB or the Florida Attorney General.

Who should look elsewhere

Cero Deuda is built for Spanish-speaking households with $10,000 or more in unsecured debt who are already behind on payments. Look elsewhere if:

You are current on your bills and could handle a lower-interest payment plan. A nonprofit credit counselor can set one up without hurting your credit the way settlement does.
You need to keep your credit intact soon, for example to buy a home or rent an apartment.
A creditor has already sued you, or your debt is far more than you could save in four years. Talk to a bankruptcy attorney first.
You want a company with a long track record. Cero Deuda has been in business since 2021, and its clean complaint record comes with very few public reviews.

Still deciding?Visit site Compare all

Alternatives to Cero Deuda

Money Management International Read review

Better if you can still afford reduced payments, since a debt management plan lowers interest without settling for less or stopping payments.

Visit site
Calling your creditors yourself

Free: card issuers sometimes offer hardship plans or settlements directly, with no settlement company fee.
Talking to a bankruptcy attorney

Worth a consultation if your debt is far larger than what you could save in four years or a creditor has already sued.
National Debt Relief Read review

A much larger settlement company that publishes its fee cap (up to 25%), if you want settlement with a longer track record.

Visit site

See all debt relief companies, ranked

Next steps

This review Cero Deuda Visit site

Alternative Americor Visit site

Alternative Debt Relief Advocates Visit site

Cero Deuda reviews

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Frequently asked questions

¿Es confiable Cero Deuda? Is Cero Deuda legit?

Cero Deuda, LLC is a registered Boca Raton company with an A+ BBB rating and no BBB complaints in the last three years, and we found no regulator actions against it. It is not BBB Accredited. Like any debt settlement program, it carries real risks to your credit.

Is Deuda Cero the same as Cero Deuda?

Not necessarily. The BBB lists Deuda Cero as a separate business in Miami Lakes, Florida, started in 2012, while Cero Deuda, LLC is in Boca Raton and started in 2021. Check the legal name on your contract.

How much does Cero Deuda charge?

The fee percentage is not published and varies by state. The company says clients who finish pay about 68% to 75% of their enrolled debt including fees. You pay no fee until a debt is settled.

Will Cero Deuda hurt my credit?

Yes, likely. The company's own disclosure says debt settlement will probably hurt your credit and can lead to collections or lawsuits, because you stop paying creditors while you save.

What debts does Cero Deuda handle?

Cero Deuda works with unsecured debts: credit cards, lines of credit, cash advances, personal loans, medical bills and private student loans. Mortgages, car loans and federal student loans are outside its program.

How long does the Cero Deuda program take?

Most programs run 24 to 48 months, according to the company FAQ. It says about 90% of clients who stay in the program get their first settlement within nine months.

Is there an alternative to debt settlement?

Yes. A nonprofit credit counseling agency can review your budget for free and may offer a debt management plan that lowers interest without settling for less. Bankruptcy is another option to discuss with a lawyer.

¿Cero Deuda cobra por adelantado? Does Cero Deuda charge upfront fees?

No. The company says you pay no fee until a debt is settled, and the FTC's Telemarketing Sales Rule bans upfront fees for debt relief sold by phone. If anyone asks you to pay before a settlement, stop and report it.

Can I cancel the Cero Deuda program?

Yes. Under the FTC rule, you can leave a debt settlement program at any time without penalty, and the money in your dedicated account must be returned within seven business days, minus fees already earned for settled debts. Ask for the cancellation steps in writing before you sign.

Does Cero Deuda have complaints?

We found no complaints under its name in the CFPB database and none with the BBB in the last three years. The company is small and young, with one Trustpilot review and 14 BBB reviews, so the record is limited.

Sources (14)

Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards

Cero Deuda: Home page (accessed October 12, 2026)
Cero Deuda: Quienes somos and program disclosure (accessed October 11, 2026)
Cero Deuda: Preguntas frecuentes (accessed October 12, 2026)
BBB: Cero Deuda, LLC business profile (accessed October 12, 2026)
BBB: Deuda Cero (Miami Lakes) business profile (accessed October 11, 2026)
BBB: Greenwise Financial Solutions, LLC business profile (accessed October 11, 2026)
CFPB: What is a debt relief program and how do I know if I should use one? (accessed October 11, 2026)
FTC: How To Get Out of Debt (accessed October 11, 2026)
Trustpilot: Cero Deuda reviews (accessed October 12, 2026)
CFPB: Consumer complaint database API search, "cero deuda" (accessed October 12, 2026)
FTC: Debt Relief Services and the Telemarketing Sales Rule, a guide for business (accessed October 12, 2026)
IRS: Topic 431, Canceled debt, is it taxable or not? (accessed October 11, 2026)
National Debt Relief: Home page (accessed October 11, 2026)
PDS Debt: Home page (accessed October 11, 2026)

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