PDS Debt: Influencer Marketing Made It Popular, But Services Are Legit

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.

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.

Features	PDS Debt
Programs	Debt settlement, debt management plan, bankruptcy consultation, reverse mortgage
Minimum debt amount	$10,000
Minimum credit score	None
Process	Free consultation, create a plan, make new payments, and settle the debt
Timeframe	24 – 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.

Source	Customer rating	Number of reviews
Better Business Bureau	4.94/5	312
Trustpilot	4.9/5	121
Google	4.9/5	1,180

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.

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.