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Optimal Debt Solutions Review

Optimal Debt Solutions
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Optimal Debt Solutions
Optimal Debt Solutions
Bestmoney Staff
Feb. 15, 2025
3 min read
BestMoney Staff
Optimal Debt Solutions Summary
Optimal Debt Solutions is a company that specializes in helping people reduce their debt burden through custom solutions. After an initial free consultation, the company’s debt experts will recommend a program that fits your needs and then work with you until you’re completely out of debt. With Optimal Debt Solutions, you can save up to 50% of what you owe and achieve debt freedom within 12- 54 months.

Pros

  • No upfront fees
  • Potential to save up to 50% off your total debt
  • Assistance with a broad range of debt types

Cons

  • Some programs may lower your credit score
  • Service fee of 15-25%

Optimal Debt Solutions at a glance

9.2
Editorial score

Online experience

Easy-to-navigate website with helpful resources like FAQs and a debt payoff calculator
10.0

Customer services and support

Multiple ways to contact the company, including phone (toll free), fax, and email
8.0

Geographical availability

Not available in all 50 states
8.0

Types of debt covered

Covers most types of unsecured debt
10.0

Repayment flexibility

Offers flexible, personalized debt solution plans
10.0

Optimal Debt Solutions Optimal Debt Solutions Visit Optimal Debt Solutions

Why Go with Optimal Debt Solutions

Optimal Debt Solutions has been providing debt services to clients since 2009. The company is an accredited member of the International Association of Professional Arbitrators (IAPADA). 

It offers a relatively straightforward approach to debt assistance. To get started, complete an online form or contact the company directly to speak to one of its debt specialists. 

The specialist will assess your financial situation and goals to determine if the company’s services are a good match, and then recommend the most effective program or solution for you. After that, they’ll develop a plan tailored to your needs and budget.

Optimal Debt Solutions claims it can help you get completely debt-free in 12-54 months. Additionally, it says its programs can help you save between 30% and 50% of the total debt you owe. 

What’s Offered?

  • Free initial consultation: Complete a brief online form or call the company for a free, no-obligation consultation.

  • Diverse debt solutions: Access a range of solutions, including debt consolidation loans and credit relief, customized to your needs, goals, and budget.

  • Significant savings: Save up to 50% of the total amount you owe.

  • Online debt payoff calculator: Use the calculator to estimate your debt payoff date, monthly payments, and total savings.

Highlights

Optimal Debt Solutions’ mission is to provide personalized and effective debt solutions to its customers. Since its inception, the company says it has helped over 50,000 achieve debt freedom while resolving over $10 billion worth of debt. 

Here are a few of the company’s highlights. 

  • Customized solutions based on your needs and goals.

  • Flexible repayment options to fit various budgets.

  • Multiple customer support channels, including phone, fax, and email.

  • No-obligation consultation to determine the best debt solution.

  • Seasoned team of debt advisors and analysts.

Just note that Optimal Debt Solutions services aren't free.  You’ll pay a fee of 15%-25% of the enrolled debt, depending on your state of residence. This fee will be included in your monthly payments and is disclosed upfront. 

Additionally, keep in mind that participating in certain debt solutions or programs may impact your credit score negatively.  This could affect your ability to qualify for some financial products like loans or credit cards in the short term. This should not be a deal-breaker, however—your credit score will improve once you become debt-free.

Types of Debt Covered

Optimal Debt Solutions offers assistance with a wide spectrum of debt types including:

  • Personal loans

  • Medical bills

  • Payday loans

  • Repossessions

  • Credit card bills

  • Department store and gas cards

  • Collection accounts

To find out if Optimal Debt Solutions can help with your debt problem, it's best to contact the company directly. As mentioned, an expert will review your issue and circumstances and inform you whether any of the company’s programs are a good fit. 

Site Security

The Optimal Debt Solutions website employs industry-standard encryption technologies, including SSL (Secure Sockets Layer), to ensure that all data transmitted between your device or browser and the company's servers is safe from unauthorized access.

Additionally, Optimal Debt Solutions adheres to strict privacy policies. You can learn more about the type of information the company collects from you and how it uses it in its comprehensive privacy policy statement, which is available on its website.  

Help & Support

Optimal Debt Solutions offers customer support through multiple avenues including phone, email, and fax. Official support hours are Monday-Friday 9am-6pm, ET and Saturday 10am-2pm, ET.

  • Phone: 877-833-7445 (toll free)

  • Fax: 561-828-5799

  • Email: clientservices@optimaldebtsolutions.com

Additionally, its website features an extensive FAQ section that provides answers to some commonly asked questions about the company’s services.  

Address

1665 Palm Beach Lakes Blvd, Suite 222
West Palm Beach, FL 33401

Summary

Optimal Debt Solutions is a viable option for people facing financial hardship and seeking to reduce their debt burden. You can get started with a free consultation, after which the company will craft a solution that fits your needs, goals, and budget. The company can save you up to 50% of what you owe. If you adhere to your customized program, you could be out of debt within 12-54 months.

Methodology

The information used to create this review was gathered from the company’s website.

BestMoney Staff
Written by
Bestmoney Staff
Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.
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