Best Debt Companys

163 Companies 5,416 Real Customer Reviews

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If you believe the review of your company contains inaccuracies, please fill out the form below and help us understand the specifics of your situation. The contents of this form are communicated directly to our Reviews Team.

Please note: The Reviews Team deals with a large quantity of requests each week. As a result, the Reviews Team is not able to respond via email to every individual request. They are however committed to making all updates and changes per each request as they deem necessary.

Before submitting your request, it’s important that you understand the following:

1. User Review Moderation

In order to prevent fake and misleading user reviews, we have a review moderation team specifically assigned to moderating all user reviews for all companies listed on the site. This team follows a very specific and strict moderation process that has been designed by gathering learning’s from mistakes other major review sites have made in the past.

This moderation process involves a “flag” system where a “flag” is assigned to each negative attribute associated with a user review. Too many flags result in a disapproval of a user review. Some of the things our moderation staff looks for and assigns potential flags to include:

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  • Is the user an employee of the organization?
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As you can probably tell, we take our user review moderation process very seriously. We believe accuracy and authenticity is critical when it comes to user reviews, and as a result we are constantly finding new ways to evolve our user moderation process to make it better. Please note that we do manually moderate each and every user review.

2. Removal of User Reviews

Once a user review has made it through the moderation process, the only way it can be removed is via a “removal request” from the consumer. In order for this to validate properly, the consumer needs to email [email protected] using the same email address they used to submit their review. They need to communicate in that email their request to have the review removed.

3. BBB Accreditation

Currently, we do not take into consideration “Accreditation with the BBB” as part our ranking criteria. At this point, we only look at the grade or score the BBB assigns a company. Not whether or not they are “accredited.”

4. The Expert Score

Along with the criteria points mentioned on our “How We Rank” page, we take into account a variety of other factors that help determine the viability, stability and trustworthiness of a company. As experts in the industry, the Reviews Team conducts an extensive research process specifically tailored to the Debt Relief industry that considers many additional factors including:

  • Financial Standing of the organization
  • The number of industry experts and professionals on staff
  • The company’s ability to scale
  • Historical revenue/growth
  • Past and current lawsuits
  • Customer service and transparency
  • And much more.

We consider this Expert Review process a vital component of how we rank and review companies. As a result, the factors included are always changing, adapting, and updating. We also reserve the right to voice our expert opinions as a part of each review.

5. We Hate Making Mistakes!

Our Reviews Team hates making mistakes and publishing information that is inaccurate in any way. We want you to know that we want your help cleaning up and fixing any inaccuracies that you may find. This helps us tremendously in keeping the content accurate and maintaining our site integrity. We welcome all of your feedback, which is why we put together this form to help us streamline more of your requests.

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  • 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.