Best Debt Companys

163 Companies 3,180 Real Customer Reviews

Debt Settlement Companies (Full List)

Ranked by experts. Reviewed by customers.TM

#1
Freedom_Debt_Relief
Our Score
9.1
User Score
9.0

Freedom Debt Relief lives by its mission to “provide financial solutions, debt settlement services, and education that enable people to become debt free, build wealth, and achieve financial freedom.” Freedom Debt Relief is highly experienced, with major accreditations in the debt management industry including AFCC and IAPDA. Debt settlement services require zero upfront fees and customers are only required to pay upon receiving a debt settlement. Unfortunately, the company is currently only available in 33 states and may end up costing a higher percentage of the total debt enrolled (up to 25 percent) than other debt settlement companies. Freedom Debt Relief has a reputation for professional conduct and high levels of customer satisfaction.

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#1 Freedom Debt Relief

Settlement

Freedom Debt Relief lives by its mission to “provide financial solutions, debt settlement services, and education that enable people to become debt free, build wealth, and achieve financial freedom.” Freedom Debt Relief is highly experienced, with major accreditations in the debt management industry including AFCC and IAPDA. Debt settlement services require zero upfront fees and customers are only required to pay upon receiving a debt settlement. Unfortunately, the company is currently only available in 33 states and may end up costing a higher percentage of the total debt enrolled (up to 25 percent) than other debt settlement companies. Freedom Debt Relief has a reputation for professional conduct and high levels of customer satisfaction.

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#2
Accredited_Debt_Relief
Settlement
Consolidation
Call Now!
Our Score
8.8
User Score
9.8

Accredited Debt Relief offers a vast array of services including credit counseling, debt consolidation, debt management, and debt settlement. The company doesn’t charge any fees until it settles. Accredited Debt Relief also provides a money-back guarantee. The company is AFCC and IAPDA accredited and has mostly positive reviews. Debt settlement services are currently only available in 36 states, and customers must have over $7,500 in unsecured debt to qualify. The company charges monthly fees that vary from state to state. Free consultations are always available.

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#2 Accredited Debt Relief

Settlement
Consolidation

Accredited Debt Relief offers a vast array of services including credit counseling, debt consolidation, debt management, and debt settlement. The company doesn’t charge any fees until it settles. Accredited Debt Relief also provides a money-back guarantee. The company is AFCC and IAPDA accredited and has mostly positive reviews. Debt settlement services are currently only available in 36 states, and customers must have over $7,500 in unsecured debt to qualify. The company charges monthly fees that vary from state to state. Free consultations are always available.

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#3
Pacific_DebtInc.
Our Score
8.7
User Score
9.6

Founded in 2002, Pacific Debt Inc. helps consumers become debt free and settles millions of dollars worth of debt monthly. The company offers debt settlement services with zero upfront fees and a money-back guarantee with no credit score required. Pacific Debt Inc. carries every major industry accreditation, and positive customer reviews across several platforms suggest that it takes good care of the consumer. The accreditations, low fees, and reputation help this company stand out. The company does not operate in several states so customers must check the serviceable areas beforehand.

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#3 Pacific Debt Inc.

Settlement

Founded in 2002, Pacific Debt Inc. helps consumers become debt free and settles millions of dollars worth of debt monthly. The company offers debt settlement services with zero upfront fees and a money-back guarantee with no credit score required. Pacific Debt Inc. carries every major industry accreditation, and positive customer reviews across several platforms suggest that it takes good care of the consumer. The accreditations, low fees, and reputation help this company stand out. The company does not operate in several states so customers must check the serviceable areas beforehand.

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#4
curadebt
Settlement
  • Requires $5k in Debt
  • Price: 20% of Total Debt
  • AFCC & IAPDA Accredited
Read Reviews >>
Our Score
7.9
User Score
9.5

#4 CuraDebt

Settlement
  • Requires $5k in Debt
  • Price: 20% of Total Debt
  • AFCC & IAPDA Accredited
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#5
SuperiorDebtRelief
Our Score
7.3
User Score
9.8

Superior Debt Relief provides an alternative to bankruptcy by providing debt negotiation and debt settlement services. It is faster than many other debt settlement companies, aiming to get clients out of debt within 12 to 36 months. The company has more than 20 years of experience in the debt management industry with excellent customer service reviews and a money-back guarantee. Superior Debt Relief does have a few drawbacks in that it lacks federal and industry accreditations and is only available in 28 states nationwide. Consultations are free, and there are no upfront fees.

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#5 Superior Debt Relief

Settlement

Superior Debt Relief provides an alternative to bankruptcy by providing debt negotiation and debt settlement services. It is faster than many other debt settlement companies, aiming to get clients out of debt within 12 to 36 months. The company has more than 20 years of experience in the debt management industry with excellent customer service reviews and a money-back guarantee. Superior Debt Relief does have a few drawbacks in that it lacks federal and industry accreditations and is only available in 28 states nationwide. Consultations are free, and there are no upfront fees.

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#6
DS_Financial
Settlement
  • No Minimum Debt Requirement
  • Price: 5-10% of Total Debt
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
6.6
User Score
10.0

#6 DS Financial Services

Settlement
  • No Minimum Debt Requirement
  • Price: 5-10% of Total Debt
  • Not AFCC & IAPDA Accredited
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#7
Golden_Financial_Services
Settlement
  • Requires $7.5k in Debt
  • Price: 15% of Total Debt
  • IAPDA Accredited
Read Reviews >>
Our Score
6.5
User Score
10.0

#7 Golden Financial Services

Settlement
  • Requires $7.5k in Debt
  • Price: 15% of Total Debt
  • IAPDA Accredited
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#8
National_Debt_Relief
Settlement
  • Requires $7.5k in Debt
  • Price: 18-25% of Total Debt
  • AFCC & IAPDA Accredited
Read Reviews >>
Our Score
6.1
User Score
2.1

#8 National Debt Relief

Settlement
  • Requires $7.5k in Debt
  • Price: 18-25% of Total Debt
  • AFCC & IAPDA Accredited
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#9
ZipDebt
Settlement
  • No Minimum Debt Requirement
  • Price: $197-777 One-Time Fee
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
5.8
User Score
10.0

#9 ZipDebt

Settlement
  • No Minimum Debt Requirement
  • Price: $197-777 One-Time Fee
  • Not AFCC & IAPDA Accredited
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#10
DebtRX
Settlement
Call Now!
  • Requires $5k in Debt
  • Price: 15-22% of Total Debt
  • IAPDA, AFCC Accredited
Read Reviews >>
Our Score
5.5
User Score
9.5

#10 Debt Rx

Settlement
  • Requires $5k in Debt
  • Price: 15-22% of Total Debt
  • IAPDA, AFCC Accredited
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#11
NewEra_Debt_Solutions
Settlement
  • No Minimum Debt Requirement
  • Price: 15%-25% of Total Debt
  • IAPDA Accredited
Read Reviews >>
Our Score
5.5
User Score
--

#11 NewEra Debt Solutions

Settlement
  • No Minimum Debt Requirement
  • Price: 15%-25% of Total Debt
  • IAPDA Accredited
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#12
ALaCarte_logo
Settlement
  • No Minimum Debt Requirement
  • Price: 10-15% of Total Debt
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
5.2
User Score
10.0

#12 Debt Relief ALaCarte

Settlement
  • No Minimum Debt Requirement
  • Price: 10-15% of Total Debt
  • Not AFCC & IAPDA Accredited
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#13
ClearOne_advantage
Settlement
Call Now!
  • Requires $10k in Debt
  • Price: 20-25% of Total Debt
  • AFCC & IAPDA Accredited
Read Reviews >>
Our Score
5.1
User Score
9.0

#13 ClearOne Advantage

Settlement
  • Requires $10k in Debt
  • Price: 20-25% of Total Debt
  • AFCC & IAPDA Accredited
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#14
Donaldson_Williams
Settlement
  • Requires $15k in Debt
  • Price: 17% of Total Debt
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
4.5
User Score
9.3

#14 Donaldson Williams

Settlement
  • Requires $15k in Debt
  • Price: 17% of Total Debt
  • Not AFCC & IAPDA Accredited
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#15
Debt_Management_Group
Settlement
  • Licensed in 5 States
  • Price: Unknown
  • No Industry Accreditations
Read Reviews >>
Our Score
4.2
User Score
8.1

#15 The Debt Management Group

Settlement
  • Licensed in 5 States
  • Price: Unknown
  • No Industry Accreditations
Visit Site Read Review
#16
Oak_View_Law
Settlement
  • $500 minimum Debt Requirement
  • Price: 25% of Total Debt
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
4.2
User Score
5.0

#16 Oak View Law Group

Settlement
  • $500 minimum Debt Requirement
  • Price: 25% of Total Debt
  • Not AFCC & IAPDA Accredited
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#17
Eagle_One
Settlement
  • Requires $7.5k in Debt
  • Price: 15-25% of Total Debt
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
4.0
User Score
--

#17 Eagle One Debt Solutions

Settlement
  • Requires $7.5k in Debt
  • Price: 15-25% of Total Debt
  • Not AFCC & IAPDA Accredited
Visit Site Read Review
#18
PCS_Debt_Relief
Settlement
  • Requires $20k in Debt
  • Price: 15-20% of Total Debt
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
4.0
User Score
--

#18 PCS Debt Relief

Settlement
  • Requires $20k in Debt
  • Price: 15-20% of Total Debt
  • Not AFCC & IAPDA Accredited
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#19
DebtManagementGuys
Settlement
  • Unknown Minimum Debt Requirement
  • Price: Unknown
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
3.9
User Score
--

#19 Debt Management Guys

Settlement
  • Unknown Minimum Debt Requirement
  • Price: Unknown
  • Not AFCC & IAPDA Accredited
Visit Site Read Review
#20
Debtmerica
Settlement
  • Requires $10k in Debt
  • Price: 20-24% of Total Debt
  • AFCC & IAPDA Accredited
Read Reviews >>
Our Score
3.7
User Score
--

#20 Debtmerica

Settlement
  • Requires $10k in Debt
  • Price: 20-24% of Total Debt
  • AFCC & IAPDA Accredited
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#21
DMB_Financial
Settlement
  • Requires $5k in Debt
  • Price: 25% of Total Debt
  • AFCC Accredited
Read Reviews >>
Our Score
3.7
User Score
--

#21 DMB Financial

Settlement
  • Requires $5k in Debt
  • Price: 25% of Total Debt
  • AFCC Accredited
Visit Site Read Review
#22
Franklin_Debt_Relief
Settlement
  • Requires $10k in Debt
  • Price: 20% of Total Debt
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
3.6
User Score
--

#22 Franklin Debt Relief

Settlement
  • Requires $10k in Debt
  • Price: 20% of Total Debt
  • Not AFCC & IAPDA Accredited
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#23
Fast_Debt_Settlements
Settlement
  • $7.5k Minimum Debt Requirement
  • Price: $400/month
  • IAPDA Accredited
Read Reviews >>
Our Score
3.5
User Score
--

#23 Fast Debt Settlements

Settlement
  • $7.5k Minimum Debt Requirement
  • Price: $400/month
  • IAPDA Accredited
Visit Site Read Review
#24
CareOne_Debt_Relief
Settlement
  • Requires $7.5k in Debt
  • Price: 30% of Total Debt
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
3.4
User Score
0.0

#24 CareOne Debt Relief

Settlement
  • Requires $7.5k in Debt
  • Price: 30% of Total Debt
  • Not AFCC & IAPDA Accredited
Visit Site Read Review
#25
Global_Client_Solutions
Settlement
  • Licensed in Oklahoma Only
  • Price: Unknown
  • No Industry Accreditations
Read Reviews >>
Our Score
3.3
User Score
5.0

#25 Global Client Solutions

Settlement
  • Licensed in Oklahoma Only
  • Price: Unknown
  • No Industry Accreditations
Visit Site Read Review
#26
national_settlement_services2
Settlement
  • Requires $5k in Debt
  • Price: 35% of Total Debt
  • AFCC Accredited
Read Reviews >>
Our Score
3.3
User Score
--

#26 National Settlement Services

Settlement
  • Requires $5k in Debt
  • Price: 35% of Total Debt
  • AFCC Accredited
Visit Site Read Review
#27
debt_relief_network_review
Settlement
  • Requires $5k in Debt
  • Price: 20% of Total Debt
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
3.2
User Score
--

#27 Debt Relief Network

Settlement
  • Requires $5k in Debt
  • Price: 20% of Total Debt
  • Not AFCC & IAPDA Accredited
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#28
Century_Negotiations
Settlement
  • Requires $5k in Debt
  • Price: 25% of Total Debt
  • AFCC & IAPDA Accredited
Read Reviews >>
Our Score
3.1
User Score
5.0

#28 Century Negotiations, Inc

Settlement
  • Requires $5k in Debt
  • Price: 25% of Total Debt
  • AFCC & IAPDA Accredited
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#29
NetDebt
Settlement
  • Requires $2k in Debt
  • Price: 25% of Total Debt
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
3.1
User Score
2.3

#29 NetDebt

Settlement
  • Requires $2k in Debt
  • Price: 25% of Total Debt
  • Not AFCC & IAPDA Accredited
Visit Site Read Review
#30
Ooraa.org_
Settlement
  • Requires $4k in Debt
  • Price: 20% of Total Debt
  • IAPDA Accredited
Read Reviews >>
Our Score
3.0
User Score
10.0

#30 Ooraa.org

Settlement
  • Requires $4k in Debt
  • Price: 20% of Total Debt
  • IAPDA Accredited
Visit Site Read Review
#31
Fast_Track_Debt1
Settlement
  • Requires $10k in Debt
  • Price: 15% of Total Debt
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
3.0
User Score
5.0

#31 Fast Track Debt Relief

Settlement
  • Requires $10k in Debt
  • Price: 15% of Total Debt
  • Not AFCC & IAPDA Accredited
Visit Site Read Review
#32
America_Debt_REsolutions
Settlement
  • Unknown minimum debt requirements
  • Price: 16-21% of Total Debt
  • AFCC & IAPDA Accredited
Read Reviews >>
Our Score
3.0
User Score
--

#32 America Debt Resolutions

Settlement
  • Unknown minimum debt requirements
  • Price: 16-21% of Total Debt
  • AFCC & IAPDA Accredited
Visit Site Read Review
#33
McCarthy_Law
Settlement
  • Not an Actual Debt Settlement Company
  • Price: Unknown
  • No Industry Accreditations
Read Reviews >>
Our Score
3.0
User Score
--

#33 McCarthy Law PLC

Settlement
  • Not an Actual Debt Settlement Company
  • Price: Unknown
  • No Industry Accreditations
Visit Site Read Review
#35
America_Debt_Enders
Settlement
  • Requires $10k in Debt
  • Price: Unknown
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
2.9
User Score
--

#35 American Debt Enders

Settlement
  • Requires $10k in Debt
  • Price: Unknown
  • Not AFCC & IAPDA Accredited
Visit Site Read Review
#34
pbm logo
Settlement
  • Requires $7.5k in Debt
  • Price: 16-18% of Total Debt
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
2.9
User Score
0.0

#34 Pacific Business Management

Settlement
  • Requires $7.5k in Debt
  • Price: 16-18% of Total Debt
  • Not AFCC & IAPDA Accredited
Visit Site Read Review
#36
Trinity_Mission
Settlement
  • Requires $10k in Debt
  • Price: Unknown
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
2.8
User Score
--

#36 Trinity Financial Mission

Settlement
  • Requires $10k in Debt
  • Price: Unknown
  • Not AFCC & IAPDA Accredited
Visit Site Read Review
#37
The_Mossler_Law_Firm
Settlement
  • No Minimum Debt Requirement
  • Price: 50% of Total Debt
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
2.7
User Score
10.0

#37 Mossler Law Firm, P.C.

Settlement
  • No Minimum Debt Requirement
  • Price: 50% of Total Debt
  • Not AFCC & IAPDA Accredited
Visit Site Read Review
#38
First_Choice-Logo
Settlement
  • Unknown Minimum Debt
  • Price: 15-25% of Total Debt
  • IAPDA Accredited
Read Reviews >>
Our Score
2.7
User Score
--

#38 First Choice Debt Relief

Settlement
  • Unknown Minimum Debt
  • Price: 15-25% of Total Debt
  • IAPDA Accredited
Visit Site Read Review
#39
Trident_Debt_Solutions
Settlement
  • Requires $30k in Debt
  • Price: 30% of Total Debt
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
2.5
User Score
--

#39 Trident Debt Solutions

Settlement
  • Requires $30k in Debt
  • Price: 30% of Total Debt
  • Not AFCC & IAPDA Accredited
Visit Site Read Review
#40
Debt Free League company image
Settlement
  • Requires $2.5k-5k in Debt
  • Price: 25% of Total Debt
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
2.4
User Score
--

#40 Debt Free League

Settlement
  • Requires $2.5k-5k in Debt
  • Price: 25% of Total Debt
  • Not AFCC & IAPDA Accredited
Visit Site Read Review
#42
preferred_financial_services
Settlement
  • Requires $5k in Debt
  • Price: Unknown
  • IAPDA Accredited
Read Reviews >>
Our Score
2.1
User Score
--
#41
century_support_services1
Settlement
  • Requires $5k in Debt
  • Price: 18-25% of Total Debt
  • AFCC & IAPDA Accredited
Read Reviews >>
Our Score
2.1
User Score
--

#41 Century Support Services

Settlement
  • Requires $5k in Debt
  • Price: 18-25% of Total Debt
  • AFCC & IAPDA Accredited
Visit Site Read Review
#43
Rescue_One-logo
Settlement
  • Requires $7.5k in Debt
  • Price: 7% Annually
  • AFCC Accredited
Read Reviews >>
Our Score
1.9
User Score
3.2

#43 Rescue One Financial

Settlement
  • Requires $7.5k in Debt
  • Price: 7% Annually
  • AFCC Accredited
Visit Site Read Review
#44
Progressive_DebtRelief
Settlement
  • Licensed in Florida Only
  • Price: Unknown
  • No Industry Accreditations
Read Reviews >>
Our Score
1.9
User Score
--

#44 Progressive Debt Relief

Settlement
  • Licensed in Florida Only
  • Price: Unknown
  • No Industry Accreditations
Visit Site Read Review
#45
Allied_Credit_Solutions
Settlement
  • Requires $10k in Debt
  • Price: Unknown
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
1.7
User Score
--

#45 Allied Credit Solutions

Settlement
  • Requires $10k in Debt
  • Price: Unknown
  • Not AFCC & IAPDA Accredited
Visit Site Read Review
#46
PremierDebtHelp
Settlement
  • Requires $7.5k in Debt
  • Price: 20% of Total Debt
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
1.5
User Score
--

#46 Premier Debt Help

Settlement
  • Requires $7.5k in Debt
  • Price: 20% of Total Debt
  • Not AFCC & IAPDA Accredited
Visit Site Read Review
#47
Just_Us_Debt
Settlement
  • Requires $5k in Debt
  • Price: 25% of Total Debt
  • Not AFCC & IAPDA Accredited
Read Reviews >>
Our Score
0.5
User Score
--

#47 Just Us Debt

Settlement
  • Requires $5k in Debt
  • Price: 25% of Total Debt
  • Not AFCC & IAPDA Accredited
Visit Site Read Review
#48
Prestige-Financial-Solutions
Settlement
  • This company is no longer in business
  • This company is no longer in business
  • This company is no longer in business
Read Reviews >>
Our Score
0.0
User Score
--

#48 Prestige Financial Solutions

Settlement
  • This company is no longer in business
  • This company is no longer in business
  • This company is no longer in business
Visit Site Read Review
  • 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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