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DebtBye's own disclaimer says it is not a debt specialist or lender, may be paid by the partners it refers you to, and shares your name, phone, address and date of birth with up to five network partners, who can call and text you with autodialers even if your number is on the Do Not Call list. It is a real website, but it is a lead generator, not a debt relief company. Its partner list of several hundred names mixes well-known debt settlement firms with payday and installment lenders. We found no BBB profile, Trustpilot page or CFPB complaints for it, so there is little track record to judge.
- What it is
- A website that collects your information and refers you to third-party debt specialists and lenders; it says it is not a debt specialist, lender or loan broker1
- Owner
- LMB Associates, LLC, 5737 Kanan Road #517, Agoura Hills, CA 91301 (legal notice address)2
- Cost to you
- Free to use; DebtBye may be paid by the partners for each referral, and each partner sets its own fees1
- Who gets your data
- Up to five network partners or third parties acting for them, by consent on the form1
- Calls and texts
- The form consent allows autodialed and prerecorded calls and texts, including marketing, even if your number is on a Do Not Call list; reply STOP to opt out of texts1
- Information requested
- Debt amount, name, email, phone, ZIP code, home address and date of birth1
- Partner network
- Several hundred listed partners, including debt settlement firms such as National Debt Relief and Freedom Debt Relief and lenders such as Advance America and CashNetUSA4
- Disputes
- Binding individual arbitration with a class action waiver; liability capped at $1002
Pros
- Free to use, with no obligation to accept any offer
- One form can bring several debt relief or loan options
- Discloses plainly that it is a lead generator, may be paid for referrals, and that debt relief can hurt your credit and lead to lawsuits
Cons
- Not a debt relief company; it sells or passes your lead to partners
- Shares your details with up to five partners, who may call and text with autodialers even if you are on the Do Not Call list
- Asks for your home address and date of birth before you see any offer
- Partner list mixes debt settlement firms with payday and installment lenders
- No BBB profile, Trustpilot page or other review record to check
Best for: People who want several debt relief or loan companies to contact them at once and don't mind sales calls and texts.
Skip it if: You want to choose who gets your financial details, or you would rather start with a nonprofit credit counselor or a settlement firm you have researched yourself.
DebtBye vs. competitors
| Company | Type | Fee | Program length | Savings it discloses |
|---|---|---|---|---|
| DebtBye | Lead generator that refers you to partners | Free to you; partners set their own fees | Set by the partner you choose | Not published |
| National Debt Relief | Debt settlement | Up to 25% of enrolled debt | 24 to 48 months | About 45% before fees, 20% after, for clients who finish |
| Americor | Debt settlement | 14% to 29% of enrolled debt | 24 to 48 months, average 35 | About 45% before fees for clients who finish |
| Money Management International | Nonprofit debt management plan | Average $38 setup and $35 a month, varies by state | 5 years or less | You repay the full balance, usually at a lower interest rate |
DebtBye, step by step
Pick your debt amount
The form starts by asking how much credit card debt you have, in ranges from $1,000 to $50,000 or more.
Enter personal details
You give your name, email, phone, ZIP code, home address and date of birth, and agree to the consent text under the button.
Your data goes to partners
DebtBye shares your information with up to five network partners, which may verify it and contact you by call, text or email.
Partners pitch you
Each partner can offer its own program, such as debt settlement or a loan, with its own fees and contract. You don't have to accept any offer.
Stop the contact
Reply STOP to texts, tell each caller to put you on its internal do-not-call list, and use DebtBye's unsubscribe link for emails.
DebtBye legitimacy and licensing
DebtBye is a real website owned and operated by LMB Associates, LLC, which lists a mailing address in Agoura Hills, California for legal notices. It is not a scam in the sense of taking money from you directly, since it charges nothing. But it is also not what many people expect: it is a lead generator. Its disclaimer says the site operator is not a debt specialist, lender, financial institution or loan broker, that it collects your information to connect you with third parties, and that it may be paid by those partners for referring you.
We found no BBB profile, no Trustpilot page and no CFPB complaints for DebtBye, so there is no public complaint record either way. Some older reviews describe its partners as “vetted” or say their fees run 15% to 25%; DebtBye’s own pages don’t describe any vetting process or publish partner fees.
How DebtBye works
The home page asks how much credit card debt you have, then for your name, email, phone, ZIP code, home address and date of birth. By clicking “Find Solutions” you consent to DebtBye sharing your information with up to five network partners, and to calls, texts and emails from them, including marketing by autodialer or prerecorded voice, even if your number is on a Do Not Call list. Consent isn’t required to buy anything, and you can reply STOP to texts.
The partners then pitch their own programs. DebtBye’s partner list runs to several hundred names, including debt settlement companies such as National Debt Relief, Freedom Debt Relief, Accredited Debt Relief and Americor, and lenders such as Advance America, CashNetUSA and Check ‘n Go. Its fees page describes personal loans of $500 to $35,000 over 60 days to 72 months, and its terms warn that tribal lenders may charge higher rates than state-licensed lenders.
What DebtBye costs
Using DebtBye is free. The cost comes from whatever program you sign up for with a partner. For debt settlement, federal rules say a company can’t charge fees until it settles at least one of your debts, and fees are usually a percentage of the enrolled debt or of the savings. For example, National Debt Relief says it charges up to 25% of enrolled debt and Americor 14% to 29%. Loans from lending partners carry interest and fees that vary by lender, state and credit, and DebtBye doesn’t make credit decisions or set rates.
Debt settlement risks to know before you enroll
Most debt settlement programs ask you to stop paying creditors and save into a dedicated account. The FTC warns that this can damage your credit, that late fees and interest keep adding up, that collectors may keep calling, and that you can be sued while you wait for a settlement. Forgiven debt can also count as taxable income. DebtBye’s own disclaimer repeats these risks and says it doesn’t guarantee any savings amount or timeline.
The FTC says red flags include guaranteed results, fees charged before any debt is settled, enrolling you without reviewing your finances, and claims of a “government” program.
How to stop calls and texts after using DebtBye
Because your details may go to up to five partners, expect contact from several companies. Reply STOP to each text sender, ask each caller to add you to its internal do-not-call list, and use the unsubscribe link in DebtBye’s emails. DebtBye’s consent text says you can opt out at any time by replying STOP. Residents of states with privacy laws, such as Virginia and Nevada, can also ask DebtBye to delete their data or not sell it by emailing [email protected]. If a debt relief company misleads you or charges fees up front, report it to the FTC, the CFPB and your state attorney general.
Who should skip DebtBye
Skip DebtBye if you don’t want your phone number and date of birth sent to several companies, or if you are already behind and need careful advice more than sales calls. A nonprofit credit counseling agency can review your budget for free or a small fee and may offer a debt management plan that keeps your accounts in good standing. If you are considering bankruptcy, talk to a bankruptcy attorney, as DebtBye’s disclaimer also advises.
Alternatives to DebtBye
- A nonprofit credit counselor Free or low-cost budget help and a debt management plan that can lower interest rates without the credit damage of settlement. Read review
- National Debt Relief If you have already decided on debt settlement, going to an established settlement firm directly avoids having your details sent to several companies. Read review
- Calling your card issuers yourself Free; many issuers offer hardship programs with lower rates or payments if you ask before you fall far behind.
- A bankruptcy attorney consultation Better if your debt is far beyond what you can repay; many attorneys offer a free first consultation, and DebtBye's own disclaimer says to speak with one if you are considering bankruptcy.
DebtBye reviews
Written by readers, read by our moderators, never edited by the company.
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Frequently asked questions
Is DebtBye a legitimate company?
It is a real website owned by LMB Associates, LLC, but it is a lead generator, not a debt relief provider. It passes your information to partner companies and may be paid for each referral.
Does DebtBye settle my debt?
No. DebtBye says it is not a debt specialist or lender. Any negotiation, loan or program comes from a partner company you choose to work with.
How much does DebtBye cost?
Nothing to use the website. Partner programs have their own fees; debt settlement companies can't charge until they settle a debt, and many charge a percentage of enrolled debt.
Who owns DebtBye?
LMB Associates, LLC, according to its Terms and Privacy Policy. Its legal notice address is 5737 Kanan Road #517, Agoura Hills, CA 91301.
Will I get calls after filling out the DebtBye form?
Very likely. The form consent lets up to five partners contact you by call, text and email, including autodialed and prerecorded marketing calls, even if your number is on a Do Not Call list.
Does DebtBye affect my credit score?
The site says checking options won't affect your credit score. Partners may check your credit later, and enrolling in debt settlement usually hurts your credit because you stop paying creditors.
Who are DebtBye's partners?
Its partner list includes several hundred companies, from debt settlement firms such as National Debt Relief and Freedom Debt Relief to lenders such as Advance America and CashNetUSA.
What is the minimum debt for DebtBye?
The form accepts amounts from $1,000. Partners set their own minimums, and many debt settlement programs require more.
Does DebtBye have complaints?
We found no BBB profile, no Trustpilot page and no CFPB complaints for DebtBye as of October 12, 2026.
How do I stop DebtBye partners from contacting me?
Reply STOP to texts, ask each caller to add you to its internal do-not-call list, and use the unsubscribe link in emails. You can also email [email protected] to make privacy requests.
Sources (11)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- DebtBye: Home page and disclosures (accessed October 12, 2026)
- DebtBye: Terms and Conditions (last updated July 28, 2025) (accessed October 12, 2026)
- DebtBye: Privacy Policy (last updated July 28, 2025) (accessed October 12, 2026)
- DebtBye: Network partner list (accessed October 12, 2026)
- DebtBye: Loan rates and fees disclosure (accessed October 12, 2026)
- CFPB: Consumer complaint database search for DebtBye (accessed October 12, 2026)
- BBB: Business search for DebtBye (accessed October 12, 2026)
- FTC: How to get out of debt (accessed October 12, 2026)
- Trustpilot: debtbye.com (accessed October 12, 2026)
- CFPB: Submit a complaint (accessed October 12, 2026)
- FTC: National Do Not Call Registry (accessed October 12, 2026)
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