Top Debt Relief Companies

1. Freedom Debt Relief

  • Overall Score: 9.9
  • User Reviews: 19,910 User Reviews
  • Features:
    • Minimum of $7,500 in Unsecured Debt to Begin
    • Online Dashboard Tracks Progress
    • No Upfront Costs

2. Americor

  • Overall Score: 9.6
  • User Reviews: 7,980 User Reviews
  • Features:
    • Debt Settlement
    • AFCC and IAPDA Certified
    • Available in 34 States

3. National Debt Relief

  • Overall Score: 9.3
  • User Reviews: 4,213 User Reviews
  • Features:
    • $7,500 Minimum Debt Requirement
    • Fees: 18%–25% of Total Debt
    • AFCC and IAPDA Accredited

4. Accredited Debt Relief

  • Overall Score: 9.3
  • User Reviews: 2,382 User Reviews
  • Features:
    • Free Consultations
    • Be Debt Free in 24–48 Months
    • Over $3 Billion in Debt Settled

5. Liberty Debt Relief

  • Overall Score: 9.1
  • User Reviews: 451 User Reviews
  • Features:
    • 24/7 Support
    • Debt Consolidation and Debt Settlement Available
    • No Pricing Information

6. Alleviate Financial Solutions

  • Overall Score: 8.6
  • User Reviews: 2,616 User Reviews
  • Features:
    • Resolve Debts in 24–48 Months
    • Free Consultation
    • Wide Variety of Services

7. Beyond Finance

  • Overall Score: 8.6
  • User Reviews: 1,267 User Reviews
  • Features:
    • Simple Process
    • Accredited with the AADR
    • Undisclosed Costs

8. Consolidated Credit

  • Overall Score: 8.6
  • User Reviews: 1,662 User Reviews
  • Features:
    • $49 Monthly Fee
    • 0%–11% Average Interest Rates
    • Certified Staff

9. Simple Debt Solutions

  • Overall Score: 8.2
  • User Reviews: 161 User Reviews
  • Features:
    • Available in 37 States
    • Simple Application Process
    • Quote-Based Pricing

10. Century Law Firm

  • Overall Score: 8.1
  • User Reviews: 289 User Reviews
  • Features:
    • Free Consultation
    • Lawyers on Staff
    • Online Dashboard Tracks Progress

Important Things You Need to Know Before Choosing a Debt Relief Company

Debt relief options include debt settlement, consolidation, and management. Examine your budget and consider your financial situation before making a choice. Different options may suit different debt situations, so consider what type of debt you owe and your financial capacity.

What is Debt Management?

Debt management programs help you create a budget and payment plan. Companies negotiate for lower interest rates, making this a good option for managing debt efficiently.

What are the Pros and Cons of Debt Management?

Pros:

  • No negative impact on credit score
  • One monthly payment
  • Financial advice

Cons:

  • Full debt payments required

What is Debt Consolidation?

Debt consolidation combines payments into one monthly payment, generally at a lower interest rate.

What are the Pros and Cons of Debt Consolidation?

Pros:

  • Lower interest rate
  • Doesn't hurt your credit score
  • One payment each month

Cons:

  • Longer repayment time

What is Debt Settlement?

Debt settlement involves negotiating lower debts with creditors, often through dedicated companies.

What are the Pros and Cons of Debt Settlement?

Pros:

  • Pay much less than total debt
  • Faster resolution

Cons:

  • Negatively impacts credit score
  • Not all creditors will settle

Why Should I Schedule a Free Consultation?

Consultations help you assess client-representative relationships, expected prices, and available debt relief options. Understanding these details can guide your choice of a debt relief company.