Access Your Account
Login here to check the status of your accounts and view your monthly statements. After the Audit your balances and payoff estimates will show on the status.
Lump Sum Payoffs
If you are able to payoff your accounts through refinancing, an inheritance, etc., it is important that you contact us and allow us to assist you in the process. Our staff will ensure a smooth and accurate payoff of your accounts.
Program Tools
These tools will allow you to make changes to your account or help you to better understand the DFA program.
Bankdraft Form / English
Bankdraft Form / English
Bankdraft Form / Spanish
Bankdraft Form / Spanish
How to read your Credit Card Statement
How to read your Credit Card Statement (alternate)
How to read your Credit Card Statement (alternate) / Spanish
How to read your DFA Monthly Statement
How to order Credit Reports / English
How to order Credit Reports / Spanish
Student Loan Consolidation
Customer Service
Debt-Free America certifies all of its credit counselors through an industry recognized certification program. Counselors and customer service representatives are available Monday thru Friday, 8:00 a.m. - 4:00 p.m. (PST)
Customer Service
phone: 1-888-268-2926
fax: 1-800-435-4686
Credit Counseling
fax: 1-866-452-1991
e-mail:counseling@debtfreeamerica.com
Account Audits
Debt-Free America provides an invaluable service to its clients which will help ensure success in a debt management program (DMP). After the third, sixth, and every sixth payment thereafter, your monthly statement is accompanied by a letter requesting your current creditor statements be submitted for audit. This procedure is vital to the success of your program and is of no cost to you.
Our trained auditors will review your file along with the individual statements carefully to ensure proper concessions are being provided and identify any potential areas where problems may appear.
You will then receive the results of this audit which includes detailed information about each account and if needed, instructions to remedy the problem area(s). A payoff sheet is also included (except in the first, third month audits) which will provide information about estimated payoff time and the original versus current interest rates and balances.
Instructions for obtaining an audit:
Obtaining an audit is easy. Simply submit your most recent creditor statement (preferably the last two received) for each account enrolled in your DMP by mail or fax. IMPORTANT: The entire statement must be received, submitting only the bill pay stub does not provide enough information to conduct an audit.
You should submit your creditor statements for auditing after you have made your third consecutive payment, if have not had an audit within the last six months or if you have never received an audit.
Mail your creditor statements to:Debt-Free America
Attn: Audit Dept.
8575 Gibbs Drive, Ste. 190
San Diego, CA 92123
OR
Fax your creditor statements to:
800-435-4686. Please be sure to put “Attn: Audit Dept.” and your file number on the cover sheet.
(MD Clients: **The Commissioner of Financial Regulation for the State of Maryland will accept any questions or complaints from Maryland residents about Debt-Free America at: 500 N. Calvert St. #402 Baltimore, MD 21202, 410-230-6100)
(Licensed by the Vermont Dept. of Banking)
Did you know that if you put your debt-pooling payment into a 12% savings account, you'd have a million dollars in only 12 years! Join America Saves in its campaign to change consumer mentality from spend, spend, spend to one of save, save, save. When you enroll, you make a promise to yourself to start saving, whether it be in your company retirement plan, setting up an automatic transfer from checking to savings each month, or setting up a CD with your bank. (Becoming a genuine saver means you made the promise to start saving for yourself. You create no obligation except for the one to yourself.)
Become a saver! Visit the America Saves website at (http://www.AmericaSaves.org)