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#1
Freedom_Debt_Relief
Settlement
877 User Reviews  | 
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    Freedom Debt Relief is a company that 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 comes 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 than other debt settlement companies of the total debt enrolled (up to 25%). Freedom Debt Relief has a reputation for professional conduct and high levels of customer satisfaction.
Flame

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Our Score
9.1
User Score
9.0

#1 Freedom Debt Relief

Settlement
    Freedom Debt Relief is a company that 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 comes 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 than other debt settlement companies of the total debt enrolled (up to 25%). Freedom Debt Relief has a reputation for professional conduct and high levels of customer satisfaction.
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#2
Pacific_DebtInc.
Settlement
234 User Reviews  | 
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    Founded in 2002, Pacific Debt Inc. is a company that helps consumers become debt free and settles millions of dollars worth of debt on a monthly basis. 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 company does not operate in several states so customers must check the serviceable areas beforehand.
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0+ views this month

Our Score
9.0
User Score
9.6

#2 Pacific Debt Inc.

Settlement
    Founded in 2002, Pacific Debt Inc. is a company that helps consumers become debt free and settles millions of dollars worth of debt on a monthly basis. 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 company does not operate in several states so customers must check the serviceable areas beforehand.
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#3
Accredited_Debt_Relief
Settlement
Consolidation
336 User Reviews  | 
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    The company offers a vast array of services including credit counseling, debt consolidation, debt management, and debt settlement. No fees until Accredited Debt Relief reaches a settlement. The company provides a money-back guarantee. The company is AFCC and IAPDA accredited and, for the most part, only has positive reviews. Debt settlement services are currently only available in 33 states, and customers must have over $7.5k in unsecured debt to qualify. Free consultations are always available.
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0+ views this month

Our Score
8.8
User Score
9.7

#3 Accredited Debt Relief

Settlement
Consolidation
    The company offers a vast array of services including credit counseling, debt consolidation, debt management, and debt settlement. No fees until Accredited Debt Relief reaches a settlement. The company provides a money-back guarantee. The company is AFCC and IAPDA accredited and, for the most part, only has positive reviews. Debt settlement services are currently only available in 33 states, and customers must have over $7.5k in unsecured debt to qualify. Free consultations are always available.
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#7
National_Debt_Relief
Settlement
22 User Reviews  | 
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  • Requires $7.5k in Debt
  • Price: 18-25% of Total Debt
  • AFCC & IAPDA Accredited
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0+ views this month

Our Score
6.6
User Score
2.4

#7 National Debt Relief

Settlement
  • Requires $7.5k in Debt
  • Price: 18-25% of Total Debt
  • AFCC & IAPDA Accredited
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#5
SuperiorDebtRelief
Settlement
    Superior Debt Relief provides an alternative to bankruptcy with debt negotiation and debt settlement services. It is faster than many other debt settlement companies, aiming to get clients out of debt within 12-36 months. The company has more than 20 years 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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0+ views this month

Our Score
7.3
User Score
9.8

#5 Superior Debt Relief

Settlement
    Superior Debt Relief provides an alternative to bankruptcy with debt negotiation and debt settlement services. It is faster than many other debt settlement companies, aiming to get clients out of debt within 12-36 months. The company has more than 20 years 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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#20
Fast_Track_Debt1
Settlement
  • Requires $10k in Debt
  • Price: 15% of Total Debt
  • Not AFCC & IAPDA Accredited
Flame

0+ views this month

Our Score
3.8
User Score
6.6

#20 Fast Track Debt Relief

Settlement
  • Requires $10k in Debt
  • Price: 15% of Total Debt
  • Not AFCC & IAPDA Accredited
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#43
Rescue_One-logo
Settlement
  • Requires $7.5k in Debt
  • Price: 7% Annually
  • AFCC Accredited
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0+ views this month

Our Score
1.9
User Score
3.2

#43 Rescue One Financial

Settlement
  • Requires $7.5k in Debt
  • Price: 7% Annually
  • AFCC Accredited
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Most Recent User Review: CuraDebt
  1. User Score
    10
    Ashley Kiselicka
    September 18th, 2018 at 8:22 pm
    0 people found this review helpful!
    Curadebt has been great! Zac is so easy to work with and has made this whole process feel easy and not terrifying! He is patient and understanding. He is kind and has answers for all our questions! We have been so happy with our overall experience! Thank you Zac and Curadebt!

    Read More CuraDebt Reviews

  • 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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