Best Debt Companys

163 Companies 5,416 Real Customer Reviews

About Us about us

Who are we? (BDC) is a debt help review site that digs up as much information as we can about all the companies in the debt help industry. We want consumers to be able to get the clearest picture possible about companies before they decide to do business with them. BDC utilizes a team of experts to research and review debt companies with a proprietary 11-point ranking criteria system. Not only do we rely on debt experts, but BDC allows customers to have a say by leaving their reviews as well.

How is BDC different from other review sites?

Other review sites lack knowledge from industry experts, don’t review every company in the industry and rarely allow customer reviews. If they do offer any of these, they definitely don’t offer the total package. That’s where we fill in the gap. We dig deeper. We want more you to know EVERYTHING about these companies before doing business with them. Here are a few things that set us apart:

  1. We get the opinion of our debt experts about a company’s services and resources then use that information to paint an accurate initial picture of the companies.
  2. Live conversations with the companies where we get information straight from the source, in addition to our outside findings.
  3. We refuse to be biased in our reviews. We collect all of the facts and plug it into our ranking criteria to show the companies true score.
  4. We ask real customers to share their experiences with us about debt companies they have worked with. We want to hear your version of the good, the bad and the bottom line!

Giving you the latest

Most industries evolve and are constantly changing; the debt space is no different. When things change, we strive to know about them right away and pass that information on to you. Continually updating our reviews, sharing breaking debt news and presenting ever-evolving review criteria are all important parts of what we do at

We want to hear from YOU

Your opinion matters at BDC! Your experiences are a necessary part of how we rank companies. When you share your experiences, it gives the entire community a clearer picture of the company you shared about. Everyone benefits from your real world experiences.

  • Takes your existing debt and try to settle with your creditors for a lower amount. If you pay off the settled amount, your debt will be considered paid in full.
  • Negotiates with your creditors on your behalf.
  • Fee based on a percentage of your total starting debt or a percentage of the debt they save you.
  • Most settlement companies have you create a separate "escrow" account where you will make monthly contributions over a certain amount of time to contribute to your settlement. Once there is a substantial amount of funds to show your creditors, the settlement company will try to negotiate a lower amount of debt.
  • Combines all your debts and creditors into one monthly payment.
  • Allows you to pay one monthly payment to the consolidation company, instead of multiple payments to different creditors.
  • You no longer owe your original creditors; instead you pay one monthly payment to your consolidation company.
  • Consolidation companies can help negotiate lower interest rates on your debts and help lower your total debt payment in the long run. A lower interest rate will lower the amount you owe in the end.
  • Allows you to consolidate all your different debts into one personal loan that can be paid off over time.
  • Can offer borrowers a lower interest rate with a longer payback term (compared to high-interest credit cards or medical bills). This will lower the amount of money required to pay off the loan over time.
  • Personal loan debt consolidation can be an effective way to raise your credit score quickly (within 3-6 months).
  • Borrowers can receive funds from their loan within only a few days.

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Real Reviews (yes they’re real)

With so many debt relief companies out there, and a lack of sites willing to bring you the HONEST breakdowns of each company, what source can you turn to for the real information you can trust?

We are dedicated to bringing the truth out, and rank debt relief companies as they should be. Through our investigation, and experience with each company, we rank each company, and bring you our honest, unbiased opinion. We also include authentic user reviews by past customers of each company that are moderated and verified.

Like many sites, we are compensated through affiliate relationships with each company we review, however all of our rankings are based on our 11-Point Ranking Criteria.

All reviews are subject to moderation and approval. Any reviews that may resemble false information, or competitors of another company will need to be verified by our staff before being approved and published. We reserve the right to approve or deny any reviews left on this site.