Coastal Debt Resolve has over 20 years of combined experience providing expert financial, business debt relief and business loan modification solutions. Using our extensive industry expertise, experience, and unique negotiation strategies, we are able to provide business owners with significant relief on their business debt.
Written by the business, not verified by us.
Is Coastal Debt Resolve legit?
Coastal Debt Resolve (coastaldebt.com) has a 4.5 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. 88% of reviews are 4 stars or higher and 12% are 1 star; The business has replied to 100% of negative reviews. Last updated 2026-09-03.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff for their exceptional support, clear communication, and expert guidance through difficult financial situations. People note that representatives are consistently patient, transparent, and genuinely dedicated to helping clients understand their available options without any pressure. Reviewers often highlight how reassuring it is to work with an experienced team that responds promptly to every question.
However, some customers also noted serious concerns regarding payment handling and ongoing communication issues with lenders during the resolution process. A few reviewers felt that the overall services fell short of expectations, specifically mentioning unexpected fees and significant difficulties in reaching resolutions.
Auto-generated from all reviews of this business. For reference only.
Trustworthy! I had a great experience with Coastal Debt. After speaking with Zane and explaining my specific situation he said that his program wouldn’t work for me. Spent a lot of time on the phone with me going thru everything. Zane even texted me his number and said I could contact him with questions about my current loan and how to negotiate lower payments. Would definitely recommend this company! They are knowledgeable, trustworthy and honest.
Reply from Coastal Debt Resolve2026-04-20
Thank you for sharing your experience. We really appreciate it.
We’re glad Zane was able to take the time to walk through your situation and point you in the right direction, even if it wasn’t with us. That’s exactly how we believe this should be done.
Working with Rene has been great. She has been very professional all the way and has helped me a lot getting all the debt paid. She always calls me, does follow up and make sure we are getting the best customer service we can.
Reply from Coastal Debt Resolve2026-04-14
Thank you so much for your kind words!
We’re thrilled to hear that working with Rene has been such a positive experience. Her professionalism, consistent follow-up, and dedication to delivering the best possible service truly make a difference. We’re glad she’s been able to support you through the process—don’t hesitate to reach out if you ever need anything!
I had a great experience with Zach Redick at coastal loan! I reached out about consolidating an existing MCA loan into smaller payments. Zach actually advised me not to move forward as it wouldn’t benefit my long-term goals, even though it meant no business for him. He truly had my best interest in mind and that can be difficult to find in this space. He spent time offering me valuable advice with no pressure.
Reply from Coastal Debt Resolve2026-04-20
Thank you so much for sharing your experience!
We’re thrilled to hear Zach provided honest, thoughtful guidance with your best interests in mind. That level of transparency and care is exactly what we strive for. We truly appreciate your trust—don’t hesitate to reach out if you ever need anything in the future!
At first I was skeptical and I thought it was a scam, but Christian helped me get through the first stage. They have a team of lawyers that help with the process.
Reply from Coastal Debt Resolve2026-04-08
Thank you for sharing your experience. We understand that taking the first step can come with a lot of hesitation, especially when your business is under pressure. We’re glad Christian was able to help you feel more comfortable and supported through the beginning of the process. We truly appreciate your trust and the opportunity to assist you.
I was spectacularly at first. My debt of total $60,000 to 3 MCA companies paid with a Total of $45,000. I would definitely recommend working with them. Renee helped me alot.
Reply from Coastal Debt Resolve2026-04-03
Thank you so much for sharing your experience. We’re glad to hear you were able to achieve a meaningful reduction and work toward resolving your MCA debt.
Renee will be especially happy to know she made a positive impact, she’s truly dedicated to supporting our clients every step of the way. We appreciate your trust and your recommendation.
I have been working with Tim over the last few weeks and the service is everything a business owner needs to be reassured they will be protected. He provides clear communication and consistent follow up to help guide me through an uncertain time.
Reply from Coastal Debt Resolve2026-04-03
Thank you so much for your kind words. We’re glad Tim has been able to provide the clear communication, consistency, and reassurance you needed during a challenging time. Supporting business owners with guidance and clarity is exactly what we strive for, and we truly appreciate the trust you’ve placed in Coastal Debt Resolve.
Renee Clayton helped us through the process. We had some special circumstances that had to be fulfilled and Coastal Debt Relief fulfilled them perfectly
Reply from Coastal Debt Resolve2026-03-30
Thank you so much for your kind words. We’re glad Renee was able to guide you through the process and help navigate your unique circumstances with care and attention. Every situation is different, and we’re committed to finding solutions that truly fit our clients’ needs. We appreciate your trust in Coastal Debt Resolve and are grateful for the opportunity to support you.
Renee Clayton,
I believe she was the third person that was assigned my case.
From the beginning she was on top of everything and would go to bat with me when money was tight. She was able to negotiate down to about ½. Very great to work with Renee.
All I need to say is trust the process with Renee.
Reply from Coastal Debt Resolve2026-03-30
Thank you so much for sharing your experience. We’re glad Renee was able to step in, stay on top of your case, and support you through the more difficult moments. She truly cares about advocating for our clients and helping them find the best possible outcome. We appreciate your trust in the process and are grateful you chose Coastal Debt Resolve to be part of your journey.
Renee was so empathetic to our situation and was a very helpful in explaining everything I needed more details on. I could call her any time and she was very happy and encouraging to me when I needed that reassurance.
Reply from Coastal Debt Resolve2026-03-30
Thank you, Kevin, for your kind words. We’re happy to hear Renee was able to guide you through the process and help accommodate your unique circumstances. Every situation is different, and we’re committed to finding solutions that truly fit our clients’ needs. We appreciate you trusting Coastal Debt Resolve to help you through it.
This program disappointed me this 2nd time around that it proved that they were after my $$. Maybe it was the representative that took over my case, because I was not confident on the plan. Yes, I'm aware the funds they need to build up in order to negotiate, but while they were ACH payments no work was being done so when I cancelled the program I asked for a refund, but Carlos stated that no refund will be done due to the contract. My mind is at that time didn't think of that, because I assumed they were opposite of the MCA lenders, but not they stayed with over $8,000 of my small business. Did Carlos communicate with the lender, "No" because he stated we need more funds in order to call them. I was concerned that a lien will be put on my bank account. So with this experience I would not recommend Coastal Debt Resolve they will keep your money even before they start negotiating on your behalf.
Reply from Coastal Debt Resolve2026-03-16
Dear Ms. Bonilla,
We are sorry to hear that your recent experience did not meet your expectations.
During your prior enrollment with Coastal Debt Resolve, our team was able to assist your business in resolving a merchant cash advance debt through a negotiated settlement that resulted in a significant reduction of the balance owed. We were pleased to help your business achieve that outcome, and many businesses—including returning clients facing new financial challenges—seek our assistance again when restructuring becomes necessary.
Regarding your more recent enrollment, the program you selected is designed as a structured savings-first resolution program. Funds are initially accumulated in a dedicated settlement account so that negotiations can begin once sufficient reserves are available to support meaningful settlement discussions with creditors.
In this case, the program concluded after only two program deposits, which occurred very early in the projected program timeline. At that stage, the settlement reserve had not yet reached the level typically required to begin negotiations with creditors.
As with most structured business debt resolution programs, meaningful negotiations generally occur only after sufficient settlement reserves have been accumulated, allowing discussions with creditors to occur from a realistic and productive position.
For this reason, we do not believe the review fully reflects how this type of program typically operates. The early stage of any business debt resolution program focuses on establishing the program structure and building the financial reserves necessary to negotiate effectively on a client’s behalf.
Coastal Debt Resolve has helped many small and mid-sized businesses address difficult merchant cash advance obligations through structured resolution strategies and negotiated settlements, and we remain committed to transparent communication about how these programs are designed to work and what clients can expect during each stage of the process.
If you would like to discuss your account further, our team would be happy to review the matter with you directly.
Sincerely,
Coastal Debt Resolve
Alecha Edwards has been excellent to work with. She is very helpful and completes what she has do to timely. She is also very knowledgeable on what items are needed.
Reply from Coastal Debt Resolve2026-03-16
Thank you for your kind words! We’re delighted to hear Alecha provided such helpful and timely service. Your feedback means a lot to our team.
Honest and Trustworthy with their review. No hiding of facts and figures
Reply from Coastal Debt Resolve2026-03-16
Thank you for taking the time to share your feedback. Being honest, transparent, and trustworthy is at the core of our work, so it means a lot to know that it reflected in your experience. We truly appreciate your trust.
Thank you for your feedback! We’re glad to hear you had a good experience with our service. At Coastal Debt, we’re committed to supporting our clients every step of the way and truly appreciate you taking the time to share your review.
Maria is amazing & very knowledgeable. THANKS SO MUCH FOR FOLLOWING UP WITH ME ABOUT OUR BUSINESS!!!
Reply from Coastal Debt Resolve2026-03-06
Thank you for your wonderful feedback! We’re so glad to hear that Maria was able to provide knowledgeable support and follow up with you about your business. We truly appreciate you taking the time to share your experience and will be sure to pass along your kind words to her!
Zane Kerns Was great even tho he couldn't assist me with my matter. He still help with great advice and guidance.. Thanks again!! Zane!!
Reply from Coastal Debt Resolve2026-03-06
Thank you for your kind words and for taking the time to share your experience. We’re glad to hear that Zane was able to provide helpful guidance and support, even if he wasn’t able to directly assist with your specific matter. At Coastal Debt, we’re always committed to making sure every client feels heard and supported. We truly appreciate your feedback!
Alecha is absolutely wonderful to work with. She takes the time to explain everything anytime we have questions or concerns. Always very helpful and kind.
Reply from Coastal Debt Resolve2026-03-03
Thank you for your kind feedback! We’re so glad to hear that Alecha has been helpful and supportive throughout your experience. She truly cares about making sure clients feel informed and comfortable every step of the way. We appreciate you taking the time to share your experience with Coastal Debt Resolve!
My experience so far has been exceptional. I have been working with Christian and he stays on top of my case. The advice he gives is also very helpful in helping me with my case. This is going very well so far, and I am happy to have found a company that stands behind their clients.
Reply from Coastal Debt Resolve2026-03-03
Thank you for sharing your experience! We’re very glad to hear that Christian has been attentive and supportive throughout your case. Our team works hard to provide clear guidance and stay closely engaged with every client. We truly appreciate your trust in Coastal Debt Resolve and look forward to continuing to support you.
Coastal has been there as promised every step of the way and took care of everything without us having to worry what was been accomplished and when we would see results. Alecha kept in touch with me weekly at the least and always easy to get a hold of when needed.
Reply from Coastal Debt Resolve2026-03-03
Thank you for sharing your experience! We’re very glad to hear that our team has been able to support you every step of the way. Alecha works hard to stay connected with clients and ensure they always feel informed and supported throughout the process. We truly appreciate your trust in Coastal Debt Resolve and your kind feedback.
⭐️⭐️⭐️⭐️⭐️
Zane Kerns was absolutely amazing from the very beginning. He took the time to clearly explain every step of the process, answered all of my questions thoroughly, and made sure I felt confident before moving forward. There was no pressure — just honest, professional guidance. Zane was knowledgeable, patient, and genuinely cared about making sure I understood my options. Because of him, I felt comfortable and confident moving ahead with Coastal Debt Resolve. Outstanding service.
⭐️⭐️⭐️⭐️⭐️
Marquez Burnside has been incredible with follow-up support. He stayed consistent, responsive, and made sure everything continued to move smoothly after I was enrolled. Any time I had questions or needed clarification, Marquez was quick to respond and always explained things clearly. His professionalism and follow-through really stood out and gave me peace of mind throughout the process. Excellent customer support and communication.
Reply from Coastal Debt Resolve2026-02-17
Thank you so much for this incredible feedback!
We’re thrilled to hear that Zane provided clear, honest guidance from the start and helped you feel confident moving forward. And we’re just as glad Marquez delivered consistent follow-up and strong support throughout the process.
We truly appreciate your trust in Coastal Debt Resolve and are grateful to be part of your journey.
The best debt relief service provider I've used so far. My previous experience with a few other similar providers I've been really awkward but Coastal Debt Resolve stood out especially Nathan who has the ball rolling always. These guys are the best if you as me.
Reply from Coastal Debt Resolve2026-02-17
We truly appreciate you sharing your experience and are honored that Coastal Debt Resolve stood out for you. Nathan will be especially grateful for the shoutout, he’s dedicated to keeping things moving and making the process as smooth as possible.
Thank you for your trust and recommendation. We’re always here to support you!