Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Personal Finance Debt Relief PDS Debt: Influencer Marketing Made It Popular, But Services Are Legit Updated Aug 21, 2025 6-min read Reviewed by Taylor Milam-Samuel Reviewed by Taylor Milam-Samuel Expertise: Student loans, credit cards, debt, budgeting Taylor Milam-Samuel is a personal finance writer and credentialed educator who is passionate about helping people take control of their finances and create a life they love. When she's not researching financial terms and conditions, she can be found in the classroom teaching. Learn more about Taylor Milam-Samuel Learn More Debt Relief Top-notch customer reviews Long–standing company Helpful and friendly representatives Limited program details online Might refer you to other companies Confusing advertisements about 0% interest Puridy Debt Relief is a debt resolution company that negotiates with lenders on your behalf. The company has been in business for 15 years, making it a reputable debt relief option. PDS Debt helps customers manage debt that’s out of control, including credit cards, medical bills, and collections. You might have heard of PDS Debt on sponsored ads from your favorite YouTuber or podcaster. The company has been a paid sponsor for popular influencers, including true crime channels like Annie Elise, Kendall Rae, and Stranger Stories. Table of Contents What is PDS Debt? How does it work? Is PDS Debt right for me? Pros and cons Is PDS Debt legit? Alternatives National Debt Relief Freedom Debt Relief Pacific Debt Relief What is PDS Debt? Debt settlement, the strategy PDS Debt uses, comes with some risks. But the risks aren’t unique to Puridy Debt. It’s just part of the process if you choose to pursue debt settlement. The advertisements mention one low payment with 0% interest, which might seem confusing since it implies that you’re getting a new loan. Debt relief doesn’t usually replace your existing loan with a new loan. Instead, you stop making payments to your lenders and put the new payments directly into an escrow account that PDS opens on your behalf. Once you have enough money in the account, PDS starts to negotiate with your lenders and tries to settle your debt for less than you owe. Once you reach out to PDS Debt, the company will tell you about your options, which might include referring you to a different company. It’s unclear when that external reference occurs, and who PDS Debt’s affiliates are. That’s why it’s important to ask specific questions about that, as well as fees, credit score impact, and the timeline. How does PDS Debt work? PDS Debt provides debt relief services, including debt settlement and resolution. The company might also refer you to an affiliate company based on your needs. The first step is to complete a free intake form or consultation, which includes information about the amount you owe, your location, and contact details. PDS Debt follows up with a text, email, or phone call with different options for how to move forward. FeaturesPDS DebtProgramsDebt settlement, debt management plan, bankruptcy consultation, reverse mortgageMinimum debt amount$10,000Minimum credit scoreNoneProcessFree consultation, create a plan, make new payments, and settle the debtTimeframe24 – 48 months Is PDS Debt right for me? PDS Debt might be the right fit for you if one or more of the following statements apply to you: You can’t afford your current loan payments and have tried talking to your lender. You’re comfortable with a big credit score decrease while you get your debt under control. You need help getting started and finding a solution. You don’t have time to handle it on your own. But PDS Debt probably doesn’t make sense if you can relate to some of these statements: You feel comfortable negotiating with a lender. You’re up to date on your payments and can afford the current amounts. You wish you had a lower monthly payment, but you can make it work. You have a high credit score and don’t want it to drop. PDS Debt pros and cons Here’s what to consider before moving forward with PDS Debt—both the good and not-so-good. Pros Top-notch customer reviews PDS Debt earns incredibly positive customer reviews across all major review sites, including the Better Business Bureau, Trustpilot, and Google. It’s a testament to the legitimacy and professionalism of the brand. Long–standing company PDS has a solid reputation in the industry and has been in business for 15 years. Helpful and friendly representatives Helpful and friendly representatives: Customer service representatives are welcoming, non-judgmental, and upfront when you call. It makes the entire process more positive and less stressful. Cons Limited program details online It’s challenging to find specific information about PDS Debt’s programs online. You need to complete an intake form or call the company to get more answers. Might refer you to other companies You could end up working with an affiliate company based on your situation. Confusing advertisements about 0% interest Some of the sponsored ads online advertise a 0% interest rate, which might be misleading since you aren’t qualifying for a loan. Is PDS Debt legit? PDS Debt is a legitimate company with BBB-accreditation, and its customer reviews are overwhelmingly positive. Customers appreciate the straightforward process, friendly staff members, and effective process. Some customers report confusion about being transferred to other companies, and a couple of staff members missed appointments. Here’s an overview of the ratings PDS Debt earns from the most popular review sites. SourceCustomer ratingNumber of reviewsBetter Business Bureau4.94/5312Trustpilot4.9/5121Google4.9/51,180Collected on 08/15/2025 Alternatives to PDS Debt PDS Debt is a solid option for debt relief, and the company is becoming even more popular due to its influencer advertising. But if you decide PDS Debt isn’t the right fit, you can find another option. Let’s take a look at some of the best personal finance companies. Company What to know Learn More Best overall debt relief company Learn More Learn More Min. debt requirement of $7,500 Learn More Learn More Offers one-on-one support Learn More PDS Debt vs. National Debt Relief National Debt Relief is our top pick for debt relief because of its transparency, generous money-back guarantee, and customer-centric policies. For example, the company only gets paid after you make your first payment based on the new settlement amount. Plus, you can deny the settlement if you’re not happy with the terms. Compared to other debt settlement companies, including PDS Debt, National Debt Relief is more upfront about providing information, answering questions, and explaining the process. PDS Debt vs. Freedom Debt Relief Freedom Debt Relief has a minimum debt requirement of $7,500, which is lower than what most companies require, including PDS Debt. It’s beneficial if you have a smaller debt and don’t qualify for most debt relief services. The company also offers the Freedom Debt Relief Promise. It’s a standout feature with four unique components. Firstly, Freedom will ensure you have all the necessary information to make an informed decision, even if that means not getting your business. The organization also pledges to provide a personalized assessment, keep customers informed at every step, and provide a refund if the settlement isn’t successful. PDS Debt vs. Pacific Debt Relief Pacific Debt Relief stands out with one-on-one support from the same case manager during the entire two to four-year process. It’s a surprisingly rare setup and might make the process feel less stressful and more personalized. PDS Debt, on the other hand, usually has one person starting the process and handling intake. But you can expect to work with different people later on. Pacific Debt also has a more extended history and has been in business for 25 years. It’s not necessarily the deciding factor, but an extra decade of experience compared to PDS Debt might be helpful when you’re navigating something as complicated as debt settlement.