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8 best debt relief companies | Fortune Recommends

<!DOCTYPE html><html lang="en"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width"/><title>8 best debt relief companies | Fortune Recommends</title><meta name="msapplication-TileColor" content="#ffc40d"/><meta name="theme-color" content="#FFFFFF"/><meta name="description" content="We&#x27;ve done the research on the best debt relief companies with excellent reputations for helping ease the financial burden consumers face in tough times."/><meta name="keywords" content=""/><meta property="og:url" content="https://fortune.com/recommends/loans/best-debt-relief-companies/"/><meta property="og:type" content="article"/><meta property="og:title" content="Drowning in debt? These eight lifelines can help relieve debt"/><meta property="og:description" content="We&#x27;ve done the research on the best debt relief companies with excellent reputations for helping ease the financial burden consumers face in tough times."/><meta property="og:site_name" content="Fortune Recommends"/><meta property="og:image" content="https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-114301573-e1706909748693.jpg?resize=1200,600"/><meta property="og:width" content="1024"/><meta property="og:height" content="683"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:title" content="Drowning in debt? 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You won’t be making payments on your debt, which will be reported to credit bureaus as a missed payment, and instead will be taking that money and putting it into an FDIC-insured trust account to accumulate until enough money is collected to settle. Once a settlement is reached, debt relief companies use the money in the trust account to settle that debt. However, in the long-term, once the missed payments drop off, your score is likely to increase as the debt decreases."},"name":"Will my credit score improve by using a debt relief company?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Because debt relief programs often require you to stop making payments to creditors while they negotiate on your behalf, your credit score will be negatively impacted. Repairing your credit score after a participating in a debt relief program can take months or years."},"name":"How will debt relief effect my credit?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"No, it’s against the FTC to charge money before settling. Instead, debt relief companies charge a fee based on the amount they have settled on your behalf. Typically, debt relief companies charge 15% to 25% after an agreement is reached."},"name":"Do debt relief companies charge money upfront?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"No, you’re likely to continue to receive collect calls even when actively working with a debt relief company. This is because you’re missing payments. Legally, creditors are allowed to continue to attempt to collect on the debt owed."},"name":"Can credit relief companies stop collection calls?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Debt relief can come in a number a ways all with the goal of reducing or eliminating your debt. Debt relief companies typically negotiate a settlement with your creditors to reduce your overall balance. They'll then work out a more manageable payment plan with you at a lower interest rate."},"name":"How does debt relief work?"}]}</script><script id="json-schema" type="application/ld+json">[{"@type":"Article","@context":["https://schema.org"],"publisher":{"@type":"Organization","address":{"@type":"PostalAddress","addressCountry":{"@type":"Country","name":"US"},"addressLocality":"New York","addressRegion":"NY","postalCode":"10038","streetAddress":"40 Fulton Street"},"brand":{"@type":"Brand","name":"Fortune"},"founder":{"@type":"Person","name":"Henry Robinson Luce"},"foundingDate":"1929-02","legalName":"Fortune Media (USA) 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"><span class="sc-3be47025-1 juJQCL">Katherine Haan</span></a><span class="sc-3be47025-2 eSlZzo">Personal Finance Expert</span></div><button class="sc-3be47025-3 jstytk"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M18 6L6 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M6 6L18 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></button></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Katherine Haan</span><span style="font-weight:400"> is a former</span><span style="font-weight:400"> financial advisor turned small business coach. 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She is a regular contributor to Forbes and maintains a popular lifestyle and travel blog.</span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/kathyhaan/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 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12.0461 5.48955 12.0444 5.49287L7.04436 11.1531C6.87291 11.3456 6.57946 11.3639 6.38658 11.1913C6.37339 11.1797 6.3602 11.1664 6.34866 11.1531L3.84944 8.3205C3.67964 8.12469 3.69778 7.82766 3.89231 7.65674C4.08684 7.48582 4.38193 7.50407 4.55173 7.69988L6.72289 10.1376L11.3751 4.854C11.5416 4.66151 11.8318 4.63994 12.023 4.80754C12.0263 4.81086 12.028 4.81252 12.0313 4.81583L12.0049 4.83243Z" fill="white"></path></svg><span data-cy="reviewed-by-text" class="sc-8357b4fc-2 bjJBmk">REVIEWED BY</span><span data-cy="reviewer-name" class="sc-8357b4fc-7 kXSAJi">Ehab Zahriyeh</span></span><span class="sc-8357b4fc-5 eFRRvB">Senior Editor, Personal Finance</span></span></a></div></span></div></div><div data-cy="header-date" class="sc-bc78b52c-4 dRiNOZ"></div></div></div><nav id="toc-wrapper" data-cy="TOC" class="sc-b1ff6b49-0 irBBoA toc"><div class="sc-b1ff6b49-2 GlBFr toc-mobile"><div class="sc-b1ff6b49-4 dsAQFp dropdown">On this page</div><div class="sc-b1ff6b49-5 heJLex"><span>Jump to your section</span></div><div class="sc-b1ff6b49-3 bbqQeU content-wrapper"><ul><li><a href="#best-debt-relief-companies" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #best-debt-relief-companies">Best debt relief companies</a><ol><li><a href="#nationaldebtrelief" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #nationaldebtrelief">Best for credit card debt</a></li><li><a href="#accredited-debt-relief" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #accredited-debt-relief">Best for customized options</a></li><li><a href="#money-management-international" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #money-management-international">Best overall</a></li><li><a href="#americor-debt-relief" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #americor-debt-relief">Best for all unsecured debt types</a></li><li><a href="#pacificdebtrelief" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #pacificdebtrelief">Best for customer support</a></li><li><a href="#century-support-services" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #century-support-services">Best in availability</a></li><li><a href="#neweradebtsolutions" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #neweradebtsolutions">Best in customer satisfaction</a></li><li><a href="#freedomdebtrelief" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #freedomdebtrelief">Best for interactive engagement</a></li></ol></li><li><a href="#what-to-know" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #what-to-know">What to know about debt relief companies</a></li><li><a href="#Debt-relief-vs-debt-settlement" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Debt-relief-vs-debt-settlement">Debt relief vs. debt settlement</a></li><li><a href="#how-to-choose" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-to-choose">How to choose a debt relief company</a></li><li><a href="#alternatives" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #alternatives">Alternatives to debt relief companies</a></li><li><a href="#How-to-apply-for-debt-relief-services" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #How-to-apply-for-debt-relief-services">How to apply for debt relief services</a></li><li><a href="#methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #methodology">Our methodology</a></li><li><a href="#faqs" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #faqs">Frequently asked questions</a></li></ul></div></div><div class="sc-b1ff6b49-1 iEaleX toc-desktop"><div class="sc-b1ff6b49-4 dsAQFp">On this page</div><div class="sc-b1ff6b49-3 diyRdl content-wrapper"><ul><li><a href="#best-debt-relief-companies" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #best-debt-relief-companies">Best debt relief companies</a><ol><li><a href="#nationaldebtrelief" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #nationaldebtrelief">Best for credit card debt</a></li><li><a href="#accredited-debt-relief" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #accredited-debt-relief">Best for customized options</a></li><li><a href="#money-management-international" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #money-management-international">Best overall</a></li><li><a href="#americor-debt-relief" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #americor-debt-relief">Best for all unsecured debt types</a></li><li><a href="#pacificdebtrelief" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #pacificdebtrelief">Best for customer support</a></li><li><a href="#century-support-services" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #century-support-services">Best in availability</a></li><li><a href="#neweradebtsolutions" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #neweradebtsolutions">Best in customer satisfaction</a></li><li><a href="#freedomdebtrelief" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #freedomdebtrelief">Best for interactive engagement</a></li></ol></li><li><a href="#what-to-know" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #what-to-know">What to know about debt relief companies</a></li><li><a href="#Debt-relief-vs-debt-settlement" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Debt-relief-vs-debt-settlement">Debt relief vs. debt settlement</a></li><li><a href="#how-to-choose" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-to-choose">How to choose a debt relief company</a></li><li><a href="#alternatives" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #alternatives">Alternatives to debt relief companies</a></li><li><a href="#How-to-apply-for-debt-relief-services" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #How-to-apply-for-debt-relief-services">How to apply for debt relief services</a></li><li><a href="#methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #methodology">Our methodology</a></li><li><a href="#faqs" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #faqs">Frequently asked questions</a></li></ul></div></div></nav><div class="sc-82385409-1 lbNltL article-content" data-cy="content"><div><div data-cy="articleContent" class="rawHtml-content-no-nativo"><p>If you’re one of the Americans carrying a portion of the $1.08 trillion in U.S. credit card balances, or the 8% who are delinquent, a way out could mean the difference between a lifetime of financial struggle and a fresh start. </p><div class="paywall-selector"></div><div class="paywall"> <p>That’s where debt relief companies come in. They negotiate your debt with creditors on your behalf, working to reduce the total amount you owe and create a plan for repayment, allowing you a chance to regain control over your finances and rebuild your life.</p> <details class="wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Why trust Fortune Recommends</h3></summary><p>Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our <a href="https://fortune.com/fortune-recommends-editorial-guidelines/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/fortune-recommends-editorial-guidelines/">editorial guidelines </a>for the ratings below.</p> <ul><li>Over 20 agencies compared</li> <li>More than 360 data points collected</li> <li>4 layers of fact-checking</li></ul></details> <h2 class="wp-block-heading" id="best-debt-relief-companies"><strong>The 8 best debt relief companies of <strong> </strong>November 2024</strong></h2> <p>Reputable debt relief companies have fair pricing, a solid track record, satisfied customers, and agents who hold certifications from reputable organizations like International Association of Professional Debt Arbitrators (IAPDA, formerly known as the American Fair Credit Council), American Association for Debt Resolution (AADR), or Financial Counseling Association of America (FCAA). We’ve done the work for you to find the best debt relief companies that meet this criteria. Their fees are subject to change, but all figures on our list are current as of July 10, 2024.</p><div data-cy="nativoTout"></div> <h3 class="wp-block-heading" id="nationaldebtrelief">Best for credit card debt: National Debt Relief</h3> <p>Headquartered in New York City, National Debt Relief has settled more than $1 billion in debt. It has helped more than 500,000 people located all over the United States settle their debt. </p> <p>More than $1 billion in unsecured debts resolved — one of the larger amounts of debt settled that we’ve come across. </p> <p>Like others on our list, National Debt Relief has an A+ BBB rating, the highest possible score. </p> <p>National Debt Relief debt specialists are available Monday through Friday from 8 a.m. to midnight EST and weekends from 8 a.m. to 10 p.m. If you’re a current client, customer service is available Monday through Friday from 10 a.m. to 8 p.m. EST. </p> <div class="product-card-inline-wrapper"> <div class="card-banner">FEATURED PARTNER</div> <div class="card-area-1"> <h3 id="national-debt-relief" class="card-title">National Debt Relief</h3> <section class="card-description"> <table> <tbody> <tr> <td>Cost</td> <td>15-25% of enrolled debt based on debt amount and state of registration</td> </tr> <tr> <td>Avg. time to settle debt</td> <td>24-48 months</td> </tr> <tr> <td>Accreditations</td> <td>AADR</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url(&quot;data:image/svg+xml;charset=utf-8,%3Csvg xmlns=&#x27;http://www.w3.org/2000/svg&#x27; viewBox=&#x27;0 0 1024 683&#x27;%3E%3Cfilter id=&#x27;b&#x27; color-interpolation-filters=&#x27;sRGB&#x27;%3E%3CfeGaussianBlur stdDeviation=&#x27;20&#x27;/%3E%3CfeColorMatrix values=&#x27;1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1&#x27; result=&#x27;s&#x27;/%3E%3CfeFlood x=&#x27;0&#x27; y=&#x27;0&#x27; width=&#x27;100%25&#x27; height=&#x27;100%25&#x27;/%3E%3CfeComposite operator=&#x27;out&#x27; in=&#x27;s&#x27;/%3E%3CfeComposite in2=&#x27;SourceGraphic&#x27;/%3E%3CfeGaussianBlur stdDeviation=&#x27;20&#x27;/%3E%3C/filter%3E%3Cimage width=&#x27;100%25&#x27; height=&#x27;100%25&#x27; x=&#x27;0&#x27; y=&#x27;0&#x27; preserveAspectRatio=&#x27;none&#x27; style=&#x27;filter: url(%23b);&#x27; href=&#x27;data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==&#x27;/%3E%3C/svg%3E&quot;)" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/image_33d28c.png?w=320&amp;q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/image_33d28c.png?w=384&amp;q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/image_33d28c.png?w=480&amp;q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/image_33d28c.png?w=576&amp;q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/image_33d28c.png?w=768&amp;q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/image_33d28c.png?w=1024&amp;q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/image_33d28c.png?w=1280&amp;q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/image_33d28c.png?w=1440&amp;q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/image_33d28c.png?w=1440&amp;q=75"/></div> <div class="card-area-3"> <a href="https://www.ndrtracking.com/aff_c?offer_id=75&amp;aff_id=2344&amp;url_id=731&amp;aff_sub=3785852" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://www.ndrtracking.com/aff_c?offer_id=75&amp;aff_id=2344&amp;url_id=731&amp;aff_sub=3785852" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at National Debt Relief</p> </div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <input id="control0-dfb93f6a-16ae-40f3-8a54-005ce6f0fd52" role="tab" name="accordion-pannel-dfb93f6a-16ae-40f3-8a54-005ce6f0fd52" type="radio" aria-controls="content0-dfb93f6a-16ae-40f3-8a54-005ce6f0fd52" checked=""/> <label id="label0-dfb93f6a-16ae-40f3-8a54-005ce6f0fd52" tabindex="0" role="button" for="control0-dfb93f6a-16ae-40f3-8a54-005ce6f0fd52">Consumer Ratings</label> <div id="content0-dfb93f6a-16ae-40f3-8a54-005ce6f0fd52" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-dfb93f6a-16ae-40f3-8a54-005ce6f0fd52"> <li><strong>BBB Customer Reviews</strong> – 4.72 out of 5</li> <li><strong>TrustPilot ratings</strong> – 4.7 out of 5</li> <li><strong>Google ratings</strong> – 4.6 out of 5</li> </div> <!-- --> <input id="control1-dfb93f6a-16ae-40f3-8a54-005ce6f0fd52" role="tab" name="accordion-pannel-dfb93f6a-16ae-40f3-8a54-005ce6f0fd52" type="radio" aria-controls="content1-dfb93f6a-16ae-40f3-8a54-005ce6f0fd52"/> <label id="label1-dfb93f6a-16ae-40f3-8a54-005ce6f0fd52" tabindex="0" role="button" for="control1-dfb93f6a-16ae-40f3-8a54-005ce6f0fd52">Consumer Service</label> <div id="content1-dfb93f6a-16ae-40f3-8a54-005ce6f0fd52" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-dfb93f6a-16ae-40f3-8a54-005ce6f0fd52"> National Debt Relief is available over the phone seven days a week. The debt relief companies’ hours of operations are Monday through Friday between 8:00am and Midnight, Saturdays between 8:00am and 11:00pm, and Sundays 8:00am and 10:00pm (all in Eastern Time). You can also reach them via email and fax. </div> <a href="https://www.ndrtracking.com/aff_c?offer_id=75&amp;aff_id=2344&amp;url_id=731&amp;aff_sub=3785852" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://www.ndrtracking.com/aff_c?offer_id=75&amp;aff_id=2344&amp;url_id=731&amp;aff_sub=3785852" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at National Debt Relief</p> </section></div> </div> <h4 class="wp-block-heading"><strong>Why we like National Debt Relief for credit card debt</strong> </h4> <p>Good for those seeking private student loan debt relief, National Debt Relief’s enormous amount of debts resolved and clients served makes it an attractive option. Its availability during late and weekend hours is beneficial for onboarding new clients, although these extended hours are not offered to existing clients. As with the rest of the options on our list, it charges no fees upfront, and its performance-based pricing model ensures your financial well-being is a priority.</p> <p>With over 75,000 five-star reviews, it’s one of the highest-rated debt relief companies. Its debt arbitrators are all certified through the International Association of Professional Debt Arbitrators (IAPDA). These arbitrators then deal directly with the creditors, aiming to reduce the client’s overall debt. They’ve resolved over $1 billion in unsecured debts.</p> <p>See our <a href="https://fortune.com/recommends/loans/national-debt-relief-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/national-debt-relief-review/">full review on National Debt Relief</a>.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>National Debt Relief’s services</h4></summary><p>National Debt Relief provides many ways to ease a client’s burden of debt. While specializing in debt settlement, this is complemented by other supports, including: </p> <ul><li>Debt settlement</li> <li>Debt consolidation</li> <li>Credit counseling</li> <li>Financial education</li> <li>Bankruptcy prefiling counseling</li> <li>Bankruptcy post-filing education</li></ul></details> <h4 class="wp-block-heading">National Debt Relief’s pros and cons</h4> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Over $1 billion in unsecured debt settled</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">You only pay if it’s able to settle</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">A+ BBB rating</span></li></ul></div><div><h3>Cons</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Not available in every state</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Extended hours only available for onboarding and not for existing clients </span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Its fees are high</span></li></ul></div></div> <h4 class="wp-block-heading">National Debt Relief’s fees</h4> <p>You won’t pay anything to National Debt Relief unless they settle your debt, and you approve the settlement. After one settlement payment is made, then National Debt Relief collects its fee. On average, a client will pay anywhere from 15% to 25% of the total debt enrolled. </p> <p>This means if you have $25,000 in credit card debt to enroll, you’re looking at paying $3,750 to $6,250 in fees. This payment will come out of your Dedicated Account.</p> <h3 class="wp-block-heading" id="accredited-debt-relief">Best for customized options: Accredited <strong>Debt Relief</strong></h3> <p>Headquarters San Diego, California, Accredited Debt Relief has been providing debt relief services to clients since 2011. Since then, the company has helped serve over $1 billion in debt to its 300,000 clients. Like other debt relief companies, Accredited Debt Relief offers a free initial consultation to review the client’s debt circumstances and craft a relief program.</p> <p>Accredited Debt Relief can assist with debts from credit card, personal loans, department store credit, and medical. They cannot support with auto loan or mortgage related debts.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="accredited-debt-relief" class="card-title">Accredited Debt Relief</h3> <section class="card-description"> <table> <tbody> <tr> <td>Cost</td> <td>25% of enrolled debt</td> </tr> <tr> <td>Avg. time to settle debt</td> <td>24-48 months</td> </tr> <tr> <td>Accreditations</td> <td>AFCC, CDRI</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url(&quot;data:image/svg+xml;charset=utf-8,%3Csvg xmlns=&#x27;http://www.w3.org/2000/svg&#x27; viewBox=&#x27;0 0 1024 683&#x27;%3E%3Cfilter id=&#x27;b&#x27; color-interpolation-filters=&#x27;sRGB&#x27;%3E%3CfeGaussianBlur stdDeviation=&#x27;20&#x27;/%3E%3CfeColorMatrix values=&#x27;1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1&#x27; result=&#x27;s&#x27;/%3E%3CfeFlood x=&#x27;0&#x27; y=&#x27;0&#x27; width=&#x27;100%25&#x27; height=&#x27;100%25&#x27;/%3E%3CfeComposite operator=&#x27;out&#x27; in=&#x27;s&#x27;/%3E%3CfeComposite in2=&#x27;SourceGraphic&#x27;/%3E%3CfeGaussianBlur stdDeviation=&#x27;20&#x27;/%3E%3C/filter%3E%3Cimage width=&#x27;100%25&#x27; height=&#x27;100%25&#x27; x=&#x27;0&#x27; y=&#x27;0&#x27; preserveAspectRatio=&#x27;none&#x27; style=&#x27;filter: url(%23b);&#x27; href=&#x27;data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==&#x27;/%3E%3C/svg%3E&quot;)" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Accredited_Debt_Relief_Logo.png?w=320&amp;q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Accredited_Debt_Relief_Logo.png?w=384&amp;q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Accredited_Debt_Relief_Logo.png?w=480&amp;q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Accredited_Debt_Relief_Logo.png?w=576&amp;q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Accredited_Debt_Relief_Logo.png?w=768&amp;q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Accredited_Debt_Relief_Logo.png?w=1024&amp;q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Accredited_Debt_Relief_Logo.png?w=1280&amp;q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Accredited_Debt_Relief_Logo.png?w=1440&amp;q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Accredited_Debt_Relief_Logo.png?w=1440&amp;q=75"/></div> <div class="card-area-3"><a href="https://secure.money.com/pr/r9e9e2b2e639?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://secure.money.com/pr/r9e9e2b2e639?s1=3785852" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Accredited Debt Relief</p> </div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <!-- --> <input id="control0-5d1b299f-d84c-46d2-b46d-b3857fee5e58" role="tab" name="accordion-pannel-5d1b299f-d84c-46d2-b46d-b3857fee5e58" type="radio" aria-controls="content0-5d1b299f-d84c-46d2-b46d-b3857fee5e58" checked=""/> <label id="label0-5d1b299f-d84c-46d2-b46d-b3857fee5e58" tabindex="0" role="button" for="control0-5d1b299f-d84c-46d2-b46d-b3857fee5e58">Consumer Ratings</label> <div id="content0-5d1b299f-d84c-46d2-b46d-b3857fee5e58" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-5d1b299f-d84c-46d2-b46d-b3857fee5e58"> <li><strong>BBB Customer Reviews</strong> – 4.87 out of 5</li> <li><strong>TrustPilot ratings</strong> – 4.9 out of 5</li> <li><strong>Google ratings</strong> – 4.8 out of 5</li> </div> <!-- --> <input id="control1-5d1b299f-d84c-46d2-b46d-b3857fee5e58" role="tab" name="accordion-pannel-5d1b299f-d84c-46d2-b46d-b3857fee5e58" type="radio" aria-controls="content1-5d1b299f-d84c-46d2-b46d-b3857fee5e58"/> <label id="label1-5d1b299f-d84c-46d2-b46d-b3857fee5e58" tabindex="0" role="button" for="control1-5d1b299f-d84c-46d2-b46d-b3857fee5e58">Consumer Service</label> <div id="content1-5d1b299f-d84c-46d2-b46d-b3857fee5e58" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-5d1b299f-d84c-46d2-b46d-b3857fee5e58"> Accredited Debt Relief shares a toll-free phone number on its wbesite that you can dial to speak direction with a debt consolidation specialist. </div> <a href="https://secure.money.com/pr/r9e9e2b2e639?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://secure.money.com/pr/r9e9e2b2e639?s1=3785852" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Accredited Debt Relief</p> </section></div> </div> <h4 class="wp-block-heading"><strong>Why we like Accredited Debt Relief for best customized options</strong></h4> <p>Accredited Debt Relief is one of our top debt relief picks because of its almost-perfect Trustpilot score and great scores across BBB and Google. The company says its clients typically become debt-free between two and four years. Aside from negotiating with your creditors, Accredited Debt Relief also supports loan consolidation offered by its affiliates as another debt solution option. </p> <p>Accredited Debt Relief also expands its reach by providing a client education program. This gives clients tools and resources to understand their finances better and make debt management decisions that are well-informed. Clients can see all of their progress at a glance from their personalized dashboard.</p> <p>See our full review on <a href="https://fortune.com/recommends/loans/accredited-debt-relief-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/accredited-debt-relief-review/" data-type="link" data-id="https://fortune.com/recommends/loans/accredited-debt-relief-review/">Accredited Debt Relief</a>.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Accredited Debt Relief’s services</h4></summary><p>For clients grappling with mounting debt, Accredited Debt Relief provides several solutions. These include: </p> <ul><li>Debt consolidation</li> <li>Debt settlement</li> <li>Credit counseling</li> <li>Personal finance management education</li> <li>Bankruptcy counseling</li></ul></details> <h4 class="wp-block-heading">Accredited Debt Relief’s pros and cons</h4> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li>You pay nothing upfront</li><li>Over $1 billion in debt settled</li><li>A+ BBB rating</li></ul></div><div><h3>Cons</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Not available in all states</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">You could still be subject to lawsuits and collections by creditors</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Its fees are high</span></li></ul></div></div> <h4 class="wp-block-heading">Accredited Debt Relief fees</h4> <p>When you consolidate your debt with Accredited Debt Relief, they’re connecting you with its affiliates whose loans’ annual percentage rates (APR) range from 4.9% to 35.99%. In addition to the APR, you’re paying an origination fee of 1% to 6%. Your fee is then 25% and is based on the success of the loan. </p> <p>According to Accredited Debt Relief, clients pay an average of 55% on their enrolled debt before fees are taken into consideration. When you add the fees on top of it, its savings aren’t as great.</p> <h3 class="wp-block-heading" id="money-management-international">Best overall: Money Management International</h3> <p>Headquartered in Stafford, Texas, Money Management International (MMI) was rebranded in 2003, but the nonprofit debt and credit counseling organization has been around under different names since 1958. MMI has a stellar track record of counseling over 2.5 million people and repaying $10 billion in debt. In 2022 alone, MMI serviced over 46,000 debt management plans for their clients, which resulted in almost $193,000,000 worth of debt repayments. Its success is evident with their consumer reviews with an A+ BBB rating and 4.6 out of five stars with TrustPilot.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="money-management-international" class="card-title">Money Management International</h3> <section class="card-description"> <table> <tbody> <tr> <td>Cost</td> <td>On average, $33 set-up fee and a $25 monthly fee</td> </tr> <tr> <td>Avg. time to settle debt</td> <td>12-60 months</td> </tr> <tr> <td>Accreditations</td> <td>FCAA, NFCC</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><a href="https://www.moneymanagement.org/credit-counseling?sc_camp=5C16B5D9C7F0401ABBC0471F95F7A51A&amp;fortune_id=3785852" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.moneymanagement.org/credit-counseling?sc_camp=5C16B5D9C7F0401ABBC0471F95F7A51A&amp;fortune_id=3785852" rel="noopener" aria-disabled="true"><img alt="" loading="lazy" width="300" height="189" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url(&quot;data:image/svg+xml;charset=utf-8,%3Csvg xmlns=&#x27;http://www.w3.org/2000/svg&#x27; viewBox=&#x27;0 0 300 189&#x27;%3E%3Cfilter id=&#x27;b&#x27; color-interpolation-filters=&#x27;sRGB&#x27;%3E%3CfeGaussianBlur stdDeviation=&#x27;20&#x27;/%3E%3CfeColorMatrix values=&#x27;1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1&#x27; result=&#x27;s&#x27;/%3E%3CfeFlood x=&#x27;0&#x27; y=&#x27;0&#x27; width=&#x27;100%25&#x27; height=&#x27;100%25&#x27;/%3E%3CfeComposite operator=&#x27;out&#x27; in=&#x27;s&#x27;/%3E%3CfeComposite in2=&#x27;SourceGraphic&#x27;/%3E%3CfeGaussianBlur stdDeviation=&#x27;20&#x27;/%3E%3C/filter%3E%3Cimage width=&#x27;100%25&#x27; height=&#x27;100%25&#x27; x=&#x27;0&#x27; y=&#x27;0&#x27; preserveAspectRatio=&#x27;none&#x27; style=&#x27;filter: url(%23b);&#x27; href=&#x27;data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==&#x27;/%3E%3C/svg%3E&quot;)" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Money-Management-International.png?w=320&amp;q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Money-Management-International.png?w=384&amp;q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Money-Management-International.png?w=480&amp;q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Money-Management-International.png?w=576&amp;q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Money-Management-International.png?w=768&amp;q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Money-Management-International.png?w=1024&amp;q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Money-Management-International.png?w=1280&amp;q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Money-Management-International.png?w=1440&amp;q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Money-Management-International.png?w=1440&amp;q=75"/></a></div> <div class="card-area-3"><a href="https://www.moneymanagement.org/credit-counseling?sc_camp=5C16B5D9C7F0401ABBC0471F95F7A51A&amp;fortune_id=3785852" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://www.moneymanagement.org/credit-counseling?sc_camp=5C16B5D9C7F0401ABBC0471F95F7A51A&amp;fortune_id=3785852" rel="noopener nofollow" aria-disabled="true">View offer </a><p class="cta-caption">at Money Management International</p> </div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <!-- --> <input id="control0-bc9f5057-0728-4509-9efb-664efc03b976" role="tab" name="accordion-pannel-bc9f5057-0728-4509-9efb-664efc03b976" type="radio" aria-controls="content0-bc9f5057-0728-4509-9efb-664efc03b976" checked=""/> <label id="label0-bc9f5057-0728-4509-9efb-664efc03b976" tabindex="0" role="button" for="control0-bc9f5057-0728-4509-9efb-664efc03b976">Consumer Ratings</label> <div id="content0-bc9f5057-0728-4509-9efb-664efc03b976" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-bc9f5057-0728-4509-9efb-664efc03b976"> <li><strong>BBB Customer Reviews</strong> – 4.9 out of 5</li> <li><strong>TrustPilot ratings</strong> – 4.6 out of 5</li> <li><strong>Google ratings</strong> – 4.9 out of 5</li> </div> <!-- --> <input id="control1-bc9f5057-0728-4509-9efb-664efc03b976" role="tab" name="accordion-pannel-bc9f5057-0728-4509-9efb-664efc03b976" type="radio" aria-controls="content1-bc9f5057-0728-4509-9efb-664efc03b976"/> <label id="label1-bc9f5057-0728-4509-9efb-664efc03b976" tabindex="0" role="button" for="control1-bc9f5057-0728-4509-9efb-664efc03b976">Consumer Service</label> <div id="content1-bc9f5057-0728-4509-9efb-664efc03b976" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-bc9f5057-0728-4509-9efb-664efc03b976"> MMI has a number of contact forms on its website to reach them based on topics including new debt management plan, housing counseling, bankruptcy counseling, and financial wellness programs. You can also reach them by phone. </div> <a href="https://www.moneymanagement.org/credit-counseling?sc_camp=5C16B5D9C7F0401ABBC0471F95F7A51A&amp;fortune_id=3785852" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://www.moneymanagement.org/credit-counseling?sc_camp=5C16B5D9C7F0401ABBC0471F95F7A51A&amp;fortune_id=3785852" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at Money Management International</p> </section></div> </div> <h4 class="wp-block-heading"><strong>Why we like MMI for best overall debt relief company</strong></h4> <p>MMI’s track record of success, glowing consumer reviews, and longstanding reputation combine to make it our top choice for debt relief companies. There’s a lot to consider with debt solutions, especially how it will impact your credit score negatively. MMI is a full-service organization that also supports credit repair solutions as well, making it more appealing for those thinking about the complete cycle needed to achieve financial flexibility. </p> <p>Best of all? It’s a nonprofit. This means MMI prioritizes clients’ financial health over profits. It aims to help clients achieve long-term financial stability, rather than focusing on increasing its own bottom line. This puts it in a class of its own as many debt relief companies are for profit. </p> <p>See our full review on <a href="https://fortune.com/recommends/loans/money-management-international-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/money-management-international-review/">Money Management International</a>.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>MMI’s services</h4></summary><p>With a variety of services designed to help clients get out of debt, manage their housing, and afford homes, MMI does what few debt relief companies can. It focuses on making solutions affordable to clients. These include:</p> <ul><li>Debt management plans</li> <li>Credit counseling</li> <li>Credit report review</li> <li>Foreclosure prevention counseling</li> <li>Eviction prevention counseling</li> <li>Homebuyer counseling</li> <li>Reverse mortgage counseling</li> <li>Bankruptcy counseling and education</li> <li>Student loan counseling</li></ul></details> <h4 class="wp-block-heading">MMI’s pros and cons</h4> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Nonprofit</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Available 24/7</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Clients see a credit score increase of 85 points four years after starting</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Over $10 billion in debt repaid</span></li></ul></div><div><h3>Cons</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">While available via phone 24/7, its physical locations aren’t in every state</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Temporary decrease in credit score as your credit accounts are closed</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Not all creditors will participate</span></li></ul></div></div> <h4 class="wp-block-heading">MMI’s fees</h4> <p>When you sign up for a MMI debt management plan, you’ll pay a setup fee as well as a monthly fee. Both your monthly fee and your set-up fee depend on the amount of debt you’re repaying and your location. Per MMI, clients pay an average of $25 per month and $33 in setup fees.</p> <p>Another great thing about MMI is it caps the amount you’ll pay. You will never pay more than $75 to set up your debt management plan, and you won’t ever spend more than $59 per month in fees, no matter the amount of your debt in repayment or location.</p> <h3 class="wp-block-heading" id="americor-debt-relief">Best for all unsecured debt types: Americor Debt Relief</h3> <p>Headquartered Irvine, California, Americor Debt Relief has been serving clients in need of debt solutions since 2008. The company states it has negotiated thousands of settlements on behalf of over 200,000 clients, and helped them clear $2 billion in debt. On average, Americor reduces their clients’ total debt by 37%,</p> <p>Like many of the debt relief companies, the process starts with free consultation, and per Federal Trade Commission (FTC) regulations, they do not take any upfront fees. Clients will pay a percentage of the total debt enrolled, though it varies by state.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="americor-debt-relief" class="card-title">Americor Debt Relief</h3> <section class="card-description"> <table> <tbody> <tr> <td>Cost</td> <td>Percentage of the total debt enrolled varies by state</td> </tr> <tr> <td>Avg. time to settle debt</td> <td>24-48 months</td> </tr> <tr> <td>Accreditations</td> <td>AADR</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url(&quot;data:image/svg+xml;charset=utf-8,%3Csvg xmlns=&#x27;http://www.w3.org/2000/svg&#x27; viewBox=&#x27;0 0 1024 683&#x27;%3E%3Cfilter id=&#x27;b&#x27; color-interpolation-filters=&#x27;sRGB&#x27;%3E%3CfeGaussianBlur stdDeviation=&#x27;20&#x27;/%3E%3CfeColorMatrix values=&#x27;1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1&#x27; result=&#x27;s&#x27;/%3E%3CfeFlood x=&#x27;0&#x27; y=&#x27;0&#x27; width=&#x27;100%25&#x27; height=&#x27;100%25&#x27;/%3E%3CfeComposite operator=&#x27;out&#x27; in=&#x27;s&#x27;/%3E%3CfeComposite in2=&#x27;SourceGraphic&#x27;/%3E%3CfeGaussianBlur stdDeviation=&#x27;20&#x27;/%3E%3C/filter%3E%3Cimage width=&#x27;100%25&#x27; height=&#x27;100%25&#x27; x=&#x27;0&#x27; y=&#x27;0&#x27; preserveAspectRatio=&#x27;none&#x27; style=&#x27;filter: url(%23b);&#x27; href=&#x27;data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==&#x27;/%3E%3C/svg%3E&quot;)" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Americor_Debt_Relief_Logo.png?w=320&amp;q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Americor_Debt_Relief_Logo.png?w=384&amp;q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Americor_Debt_Relief_Logo.png?w=480&amp;q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Americor_Debt_Relief_Logo.png?w=576&amp;q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Americor_Debt_Relief_Logo.png?w=768&amp;q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Americor_Debt_Relief_Logo.png?w=1024&amp;q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Americor_Debt_Relief_Logo.png?w=1280&amp;q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Americor_Debt_Relief_Logo.png?w=1440&amp;q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Americor_Debt_Relief_Logo.png?w=1440&amp;q=75"/></div> <div class="card-area-3"><a href="https://secure.money.com/pr/f44bc0ecd22d?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://secure.money.com/pr/f44bc0ecd22d?s1=3785852" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Americor Debt Relief</p> </div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <!-- --> <input id="control0-366a9272-df2d-4a2f-90e6-71f2b2c0ac10" role="tab" name="accordion-pannel-366a9272-df2d-4a2f-90e6-71f2b2c0ac10" type="radio" aria-controls="content0-366a9272-df2d-4a2f-90e6-71f2b2c0ac10" checked=""/> <label id="label0-366a9272-df2d-4a2f-90e6-71f2b2c0ac10" tabindex="0" role="button" for="control0-366a9272-df2d-4a2f-90e6-71f2b2c0ac10">Consumer Ratings</label> <div id="content0-366a9272-df2d-4a2f-90e6-71f2b2c0ac10" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-366a9272-df2d-4a2f-90e6-71f2b2c0ac10"> <li><strong>BBB Customer Reviews</strong> – 4.66 out of 5</li> <li><strong>TrustPilot ratings</strong> – 4.9 out of 5</li> <li><strong>Google ratings</strong> – 4.8 out of 5</li> </div> <!-- --> <input id="control1-366a9272-df2d-4a2f-90e6-71f2b2c0ac10" role="tab" name="accordion-pannel-366a9272-df2d-4a2f-90e6-71f2b2c0ac10" type="radio" aria-controls="content1-366a9272-df2d-4a2f-90e6-71f2b2c0ac10"/> <label id="label1-366a9272-df2d-4a2f-90e6-71f2b2c0ac10" tabindex="0" role="button" for="control1-366a9272-df2d-4a2f-90e6-71f2b2c0ac10">Consumer Service</label> <div id="content1-366a9272-df2d-4a2f-90e6-71f2b2c0ac10" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-366a9272-df2d-4a2f-90e6-71f2b2c0ac10"> Americor Debt Relief is available via email, or seven days a week over the phone. New clients can reach the debt relief company Monday through Friday between 6:00am and 7:00pm, or weekends between 8:00am and 4:00pm PST. Existing clients can reach Americor Debt Relief by phone on weekdays between 5:00am and 6:00pm, or weekends between 5:00am and 4:00pm PST. </div> <a href="https://secure.money.com/pr/f44bc0ecd22d?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://secure.money.com/pr/f44bc0ecd22d?s1=3785852" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Americor Debt Relief</p> </section></div> </div> <h4 class="wp-block-heading"><strong>Why we like Americor Debt Relief for unsecured debt types</strong></h4> <p>Americor Debt Relief is one of our top picks for debt relief because of its success rate of relieving over $2 billion in debt for its clients. It also has a glowing Trustpilot rating and, more importantly, supports debt relief for several debt types, including credit card debt, payday loans, medical debt, private student loans, personal loans, and personal business debts. Additionally, Americor can help with auto repossessions, mortgages, and tax debts.</p> <p>The company recently <a href="https://americor.com/press-room/americor-announces-close-of-127-5-million-a-rated-personal-loan-securitization/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://americor.com/press-room/americor-announces-close-of-127-5-million-a-rated-personal-loan-securitization/" rel="noopener">announced</a> the launch of a personal loan option to help its clients with debt consolidation with a fixed rate of 24.99%, which can be a good solution for anyone with high-interest credit card debts.</p> <p>In addition to connecting with an entire network of creditor partners, Americor sets its clients up for success by offering financial literacy resources. This helps clients budget properly and make better decisions.</p> <p>See our <a href="https://fortune.com/recommends/loans/americor-debt-relief-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/americor-debt-relief-review/">full Americor Debt Relief review</a>.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Americor Debt Relief’s services</h4></summary><p>To help clients overcome financial struggles, Americor offers a variety of services. These include: </p> <ul><li>Debt settlement</li> <li>Debt consolidation</li> <li>Credit counseling</li> <li>Financial education</li> <li>Personalized financial assistance</li></ul></details> <h4 class="wp-block-heading">Americor’s pros and cons</h4> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Charges no upfront fees </span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Offers interactive tools for tracking debt settlement progress</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Provides financial education to prevent future debt issues</span></li></ul></div><div><h3>Cons</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Initial impact on credit score can be significant due to the nature of debt settlement</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Fees are high</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Success of negotiations varies based on creditor policies and the client’s financial stability</span></li></ul></div></div> <h4 class="wp-block-heading">Americor Debt Relief’s fees</h4> <p>Your fees depend on the amount of debt you’re enrolling in the Americor program. This is based on a percentage of the debt enrolled and varies from 14% to 29%. For a debt settlement offer to be made to creditors, you must save a minimum of 25% of each debt. This amount is then used to offer up in settlement to the creditor.</p> <h3 class="wp-block-heading" id="pacificdebtrelief">Best for customer support: Pacific Debt Relief</h3> <p>Headquartered in San Diego, California, Pacific Debt Relief is available in 30 states, and has partnerships with debt relief companies in the states it doesn’t serve. In operation since 2002, Pacific Debt Relief has built an expectation of trust. Like the others on this list, Pacific Debt Relief has an A+ rating with BBB, which is the highest a company can have. Its customer service is available Monday through Thursday from 6 a.m. to 7 p.m. PST, Friday from 6 a.m. to 4:30 p.m., and Saturday from 7:30 a.m. to 4:30 p.m.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="pacific-debt-relief" class="card-title"><a href="https://secure.money.com/pr/v9b7a9134571?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/v9b7a9134571?s1=3785852" rel="nofollow noopener noreferrer" aria-disabled="true">Pacific Debt Relief</a></h3> <section class="card-description"> <table> <tbody> <tr> <td>Cost</td> <td>15-25% of enrolled debt based on debt amount and state of registration</td> </tr> <tr> <td>Avg. time to settle debt</td> <td>24-48 months</td> </tr> <tr> <td>Accreditations</td> <td>CDRI, IAPDA</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url(&quot;data:image/svg+xml;charset=utf-8,%3Csvg xmlns=&#x27;http://www.w3.org/2000/svg&#x27; viewBox=&#x27;0 0 1024 683&#x27;%3E%3Cfilter id=&#x27;b&#x27; color-interpolation-filters=&#x27;sRGB&#x27;%3E%3CfeGaussianBlur stdDeviation=&#x27;20&#x27;/%3E%3CfeColorMatrix values=&#x27;1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1&#x27; result=&#x27;s&#x27;/%3E%3CfeFlood x=&#x27;0&#x27; y=&#x27;0&#x27; width=&#x27;100%25&#x27; height=&#x27;100%25&#x27;/%3E%3CfeComposite operator=&#x27;out&#x27; in=&#x27;s&#x27;/%3E%3CfeComposite in2=&#x27;SourceGraphic&#x27;/%3E%3CfeGaussianBlur stdDeviation=&#x27;20&#x27;/%3E%3C/filter%3E%3Cimage width=&#x27;100%25&#x27; height=&#x27;100%25&#x27; x=&#x27;0&#x27; y=&#x27;0&#x27; preserveAspectRatio=&#x27;none&#x27; style=&#x27;filter: url(%23b);&#x27; href=&#x27;data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==&#x27;/%3E%3C/svg%3E&quot;)" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Pacific_Debt_Relief_Logo.png?w=320&amp;q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Pacific_Debt_Relief_Logo.png?w=384&amp;q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Pacific_Debt_Relief_Logo.png?w=480&amp;q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Pacific_Debt_Relief_Logo.png?w=576&amp;q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Pacific_Debt_Relief_Logo.png?w=768&amp;q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Pacific_Debt_Relief_Logo.png?w=1024&amp;q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Pacific_Debt_Relief_Logo.png?w=1280&amp;q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Pacific_Debt_Relief_Logo.png?w=1440&amp;q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Pacific_Debt_Relief_Logo.png?w=1440&amp;q=75"/></div> <div class="card-area-3"><a href="https://secure.money.com/pr/v9b7a9134571?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://secure.money.com/pr/v9b7a9134571?s1=3785852" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Pacific Debt Relief</p> </div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <!-- --> <input id="control0-4eb0ad5a-ce07-41ce-9190-6f4c1128ea86" role="tab" name="accordion-pannel-4eb0ad5a-ce07-41ce-9190-6f4c1128ea86" type="radio" aria-controls="content0-4eb0ad5a-ce07-41ce-9190-6f4c1128ea86" checked=""/> <label id="label0-4eb0ad5a-ce07-41ce-9190-6f4c1128ea86" tabindex="0" role="button" for="control0-4eb0ad5a-ce07-41ce-9190-6f4c1128ea86">Consumer Ratings</label> <div id="content0-4eb0ad5a-ce07-41ce-9190-6f4c1128ea86" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-4eb0ad5a-ce07-41ce-9190-6f4c1128ea86"> <li><strong>BBB Customer Reviews</strong> – 4.93 out of 5</li> <li><strong>TrustPilot ratings</strong> – 4.8 out of 5</li> <li><strong>Google ratings</strong> – 4.6 out of 5</li> </div> <!-- --> <input id="control1-4eb0ad5a-ce07-41ce-9190-6f4c1128ea86" role="tab" name="accordion-pannel-4eb0ad5a-ce07-41ce-9190-6f4c1128ea86" type="radio" aria-controls="content1-4eb0ad5a-ce07-41ce-9190-6f4c1128ea86"/> <label id="label1-4eb0ad5a-ce07-41ce-9190-6f4c1128ea86" tabindex="0" role="button" for="control1-4eb0ad5a-ce07-41ce-9190-6f4c1128ea86">Consumer Service</label> <div id="content1-4eb0ad5a-ce07-41ce-9190-6f4c1128ea86" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-4eb0ad5a-ce07-41ce-9190-6f4c1128ea86"> Pacific Debt Relief can be reached by phone, fax, or email. The California-based debt relief company also has a form on its website to fill out as another method to contact the company. </div> <a href="https://secure.money.com/pr/v9b7a9134571?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://secure.money.com/pr/v9b7a9134571?s1=3785852" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Pacific Debt Relief</p> </section></div> </div> <h4 class="wp-block-heading"><strong>Why we like Pacific Debt Relief for customer support</strong></h4> <p>Good for those who prioritize customer service. Of the 1,456 Pacific Debt Relief reviews on Trustpilot, 84% were 5-star reviews, and 11% were 4 stars. The vast majority of reviews praise its customer service, and that’s something we like to see. Being burdened with debt is one of the most stressful situations one can face, and having a friendly voice on the other line to hold your hand and walk you through the process is sometimes all you need to see a light at the end of the tunnel and know that you’re not in this alone.</p> <p>With new technology designed to make it easier for clients to communicate with the Pacific Debt Relief team, case management is made even smoother through better efficiencies. Plus, its team receives regular training on the best practices and negotiation tactics for creditors.</p> <p>Learn more in our full <a href="https://fortune.com/recommends/loans/pacific-debt-relief-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/pacific-debt-relief-review/">Pacific Debt Relief</a> review.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Pacific Debt Relief’s services</h4></summary><p>Pacific Debt Relief provides a range of services for its clients. These include: </p> <ul><li>Debt settlement</li> <li>Personalized financial consultation</li> <li>Credit counseling</li> <li>Financial education resources</li> <li>Program for managing and reducing unsecured debts</li></ul></details> <h4 class="wp-block-heading">Pacific Debt Relief’s pros and cons</h4> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">You’ll receive communication from your account manager every few weeks</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">No upfront fees</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">A+ BBB rated</span></li></ul></div><div><h3>Cons</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Not available in all states</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Potential negative impact on credit score during program</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Must have over $10,000 in unsecured debt to qualify</span></li></ul></div></div> <h4 class="wp-block-heading">Pacific Debt Relief’s fees</h4> <p>With Pacific Debt Relief, you’ll pay no fees upfront. These fees range from 15% to 25%, depending on your location and the amount of debt you have.  </p> <h3 class="wp-block-heading" id="century-support-services">Best in availability: Century Support Services</h3> <p>Headquartered in North Huntingdon, Pennsylvania, Century Support Services has been servicing clients in need of debt solutions since 2003. Since its inception, the company has helped over 259,000 clients settling a total of more than $1.7 billion in debts.</p> <p>Like other debt relief companies, Century Support Services’ process starts with a free consultation and clients only get charged after based on the amount of debt enrolled. Clients who make all their monthly program payments on time will pay on average 50% of their enrolled balance in addition to the fees Century Support Services collects, which is 25% of the enrolled debt.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="century-support-services" class="card-title">Century Support Services</h3> <section class="card-description"> <table> <tbody> <tr> <td>Cost</td> <td>25% of enrolled debt</td> </tr> <tr> <td>Avg. time to settle debt</td> <td>24-48 months</td> </tr> <tr> <td>Accreditations</td> <td>IAPDA, AADR</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url(&quot;data:image/svg+xml;charset=utf-8,%3Csvg xmlns=&#x27;http://www.w3.org/2000/svg&#x27; viewBox=&#x27;0 0 1024 683&#x27;%3E%3Cfilter id=&#x27;b&#x27; color-interpolation-filters=&#x27;sRGB&#x27;%3E%3CfeGaussianBlur stdDeviation=&#x27;20&#x27;/%3E%3CfeColorMatrix values=&#x27;1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1&#x27; result=&#x27;s&#x27;/%3E%3CfeFlood x=&#x27;0&#x27; y=&#x27;0&#x27; width=&#x27;100%25&#x27; height=&#x27;100%25&#x27;/%3E%3CfeComposite operator=&#x27;out&#x27; in=&#x27;s&#x27;/%3E%3CfeComposite in2=&#x27;SourceGraphic&#x27;/%3E%3CfeGaussianBlur stdDeviation=&#x27;20&#x27;/%3E%3C/filter%3E%3Cimage width=&#x27;100%25&#x27; height=&#x27;100%25&#x27; x=&#x27;0&#x27; y=&#x27;0&#x27; preserveAspectRatio=&#x27;none&#x27; style=&#x27;filter: url(%23b);&#x27; href=&#x27;data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==&#x27;/%3E%3C/svg%3E&quot;)" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Century_Debt_Relief_Logo.png?w=320&amp;q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Century_Debt_Relief_Logo.png?w=384&amp;q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Century_Debt_Relief_Logo.png?w=480&amp;q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Century_Debt_Relief_Logo.png?w=576&amp;q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Century_Debt_Relief_Logo.png?w=768&amp;q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Century_Debt_Relief_Logo.png?w=1024&amp;q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Century_Debt_Relief_Logo.png?w=1280&amp;q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Century_Debt_Relief_Logo.png?w=1440&amp;q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Century_Debt_Relief_Logo.png?w=1440&amp;q=75"/></div> <div class="card-area-3"><a href="https://apply.centuryss.com/?wf=1&amp;fid=vbl9n1&amp;cid=cp265&amp;pid=mp349&amp;sub1=3785852" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://apply.centuryss.com/?wf=1&amp;fid=vbl9n1&amp;cid=cp265&amp;pid=mp349&amp;sub1=3785852" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Century Support Services</p></div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <!-- --> <input id="control0-be532c44-37b8-4460-8cf5-59e0010fd6aa" role="tab" name="accordion-pannel-be532c44-37b8-4460-8cf5-59e0010fd6aa" type="radio" aria-controls="content0-be532c44-37b8-4460-8cf5-59e0010fd6aa" checked=""/> <label id="label0-be532c44-37b8-4460-8cf5-59e0010fd6aa" tabindex="0" role="button" for="control0-be532c44-37b8-4460-8cf5-59e0010fd6aa">Consumer Ratings</label> <div id="content0-be532c44-37b8-4460-8cf5-59e0010fd6aa" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-be532c44-37b8-4460-8cf5-59e0010fd6aa"> <li><strong>BBB Customer Reviews</strong> – 3.7 out of 5</li> <li><strong>TrustPilot ratings</strong> – 4.9 out of 5</li> <li><strong>Google ratings</strong> – 4.5 out of 5</li> </div> <!-- --> <input id="control1-be532c44-37b8-4460-8cf5-59e0010fd6aa" role="tab" name="accordion-pannel-be532c44-37b8-4460-8cf5-59e0010fd6aa" type="radio" aria-controls="content1-be532c44-37b8-4460-8cf5-59e0010fd6aa"/> <label id="label1-be532c44-37b8-4460-8cf5-59e0010fd6aa" tabindex="0" role="button" for="control1-be532c44-37b8-4460-8cf5-59e0010fd6aa">Consumer Service</label> <div id="content1-be532c44-37b8-4460-8cf5-59e0010fd6aa" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-be532c44-37b8-4460-8cf5-59e0010fd6aa"> Century Support Services can be reached by phone, fax, or email. The Pennsylvania-based company’s hours of operations are weekdays between 9:00am and 8:00pm EST. Century Support Services also has a live chat feature on its website. </div> <a href="https://apply.centuryss.com/?wf=1&amp;fid=vbl9n1&amp;cid=cp265&amp;pid=mp349&amp;sub1=3785852" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://apply.centuryss.com/?wf=1&amp;fid=vbl9n1&amp;cid=cp265&amp;pid=mp349&amp;sub1=3785852" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Century Support Services</p> </section></div> </div> <h4 class="wp-block-heading"><strong>Why we like Century Support Services</strong></h4> <p>Century Support Services is one of our top debt relief picks because of 20 years of success in reducing debts for over 259,000 clients. It has an A+ BBB rating and a strong Trustpilot rating, which are indications of positive customer feedback. While Century Support Services’ 25% rate is standard, many of the competitors do charge a lower rate based on certain circumstances or vary by state. </p> <p>Century Support Services helps tackle high-interest credit card debt and works to negotiate lower interest rates. It also works to reduce principal balances, which will reduce the overall debt repayment period. </p> <p>See our <a href="https://fortune.com/recommends/loans/century-support-services-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/century-support-services-review/">full review of Century Support Services</a>.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Century Support Services’s services</h4></summary><p>Century Support Services is much like a tailor, in that it offers a variety of solutions for its customers based on their financial needs. These include: </p> <ul><li>Free initial debt assessment</li> <li>Personalized debt settlement programs</li> <li>Debt negotiation</li> <li>24/7 online account management</li> <li>Customer support and client advocacy</li> <li>Educational resources for financial management</li></ul></details> <h4 class="wp-block-heading">Century Support Services’s pros and cons</h4> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Over $2 billion in settled debts</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">No fees charged until debt settlement is successfully negotiated</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">A+ BBB rating</span></li></ul></div><div><h3>Cons</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Not available in all states</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Fees are high</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Some clients may not complete the program due to the stringent saving requirements</span></li></ul></div></div> <h4 class="wp-block-heading">Century Support Services’s fees</h4> <p>Fees vary from state to state, and Century Support Services doesn’t detail these. However, its fees are significant—it claims clients realize savings of approximately 43% but that’s before fees. The amount saved after fees is 16%, factored over 24 to 48 months. This only counts those who stay in the program and settle all their debt.</p> <h3 class="wp-block-heading" id="neweradebtsolutions">Best in customer satisfaction: New Era Debt Solutions </h3> <p>Headquartered in Camarillo, California, New Era Debt Solutions works to alleviate debt for clients located in 20 states, and an additional 27 states through Consumer First Legal Network (CFLN). It does not serve clients in Iowa, Maine, or Oregon.</p> <p>Since its inception, New Era has negotiated $275 million in debt relief. It reports an average reduction of 42.87% off the account balances at the time of settlement.<br/>Since 1999, New Era Debt Solutions has worked to negotiate settlements for clients in a variety of hardships.</p> <p>A BBB rating of A+ is the highest a company can score on its letter scale. Points are assigned based on factors such as complaint resolution, time in business, complaint volume, and business practices.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="new-era-debt-solutions" class="card-title">New Era Debt Solutions</h3> <section class="card-description"> <table> <tbody> <tr> <td>Cost</td> <td>Not disclosed</td> </tr> <tr> <td>Avg. time to settle debt</td> <td>12-36 months</td> </tr> <tr> <td>Accreditations</td> <td>IAPDA</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url(&quot;data:image/svg+xml;charset=utf-8,%3Csvg xmlns=&#x27;http://www.w3.org/2000/svg&#x27; viewBox=&#x27;0 0 1024 683&#x27;%3E%3Cfilter id=&#x27;b&#x27; color-interpolation-filters=&#x27;sRGB&#x27;%3E%3CfeGaussianBlur stdDeviation=&#x27;20&#x27;/%3E%3CfeColorMatrix values=&#x27;1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1&#x27; result=&#x27;s&#x27;/%3E%3CfeFlood x=&#x27;0&#x27; y=&#x27;0&#x27; width=&#x27;100%25&#x27; height=&#x27;100%25&#x27;/%3E%3CfeComposite operator=&#x27;out&#x27; in=&#x27;s&#x27;/%3E%3CfeComposite in2=&#x27;SourceGraphic&#x27;/%3E%3CfeGaussianBlur stdDeviation=&#x27;20&#x27;/%3E%3C/filter%3E%3Cimage width=&#x27;100%25&#x27; height=&#x27;100%25&#x27; x=&#x27;0&#x27; y=&#x27;0&#x27; preserveAspectRatio=&#x27;none&#x27; style=&#x27;filter: url(%23b);&#x27; href=&#x27;data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==&#x27;/%3E%3C/svg%3E&quot;)" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_NewEra_Debt_Solutions_Logo.png?w=320&amp;q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_NewEra_Debt_Solutions_Logo.png?w=384&amp;q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_NewEra_Debt_Solutions_Logo.png?w=480&amp;q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_NewEra_Debt_Solutions_Logo.png?w=576&amp;q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_NewEra_Debt_Solutions_Logo.png?w=768&amp;q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_NewEra_Debt_Solutions_Logo.png?w=1024&amp;q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_NewEra_Debt_Solutions_Logo.png?w=1280&amp;q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_NewEra_Debt_Solutions_Logo.png?w=1440&amp;q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_NewEra_Debt_Solutions_Logo.png?w=1440&amp;q=75"/></div> <div class="card-area-3"><a href="https://secure.money.com/pr/mdcffb094d4c?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://secure.money.com/pr/mdcffb094d4c?s1=3785852" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at New Era Debt Solutions</p> </div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <!-- --> <input id="control0-03ab875c-b1fd-4716-8759-82511505378d" role="tab" name="accordion-pannel-03ab875c-b1fd-4716-8759-82511505378d" type="radio" aria-controls="content0-03ab875c-b1fd-4716-8759-82511505378d" checked=""/> <label id="label0-03ab875c-b1fd-4716-8759-82511505378d" tabindex="0" role="button" for="control0-03ab875c-b1fd-4716-8759-82511505378d">Consumer Ratings</label> <div id="content0-03ab875c-b1fd-4716-8759-82511505378d" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-03ab875c-b1fd-4716-8759-82511505378d"> <li><strong>BBB Customer Reviews</strong> – 4.93 out of 5</li> <li><strong>TrustPilot ratings</strong> – 5 out of 5</li> <li><strong>Google ratings</strong> – 4.9 out of 5</li> </div> <!-- --> <input id="control1-03ab875c-b1fd-4716-8759-82511505378d" role="tab" name="accordion-pannel-03ab875c-b1fd-4716-8759-82511505378d" type="radio" aria-controls="content1-03ab875c-b1fd-4716-8759-82511505378d"/> <label id="label1-03ab875c-b1fd-4716-8759-82511505378d" tabindex="0" role="button" for="control1-03ab875c-b1fd-4716-8759-82511505378d">Consumer Service</label> <div id="content1-03ab875c-b1fd-4716-8759-82511505378d" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-03ab875c-b1fd-4716-8759-82511505378d"> New Era has debt specialists available Monday through Saturday from 7:00am to 8:00pm PST and after hours by appointment. If you’re a current client, customer service is available Monday through Friday from 8:00am to 5:00pm PST. </div> <a href="https://secure.money.com/pr/mdcffb094d4c?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://secure.money.com/pr/mdcffb094d4c?s1=3785852" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at New Era Debt Solutions</p> </section></div> </div> <h4 class="wp-block-heading"><strong>Why we like New Era Debt Solutions</strong> </h4> <p>Good for those seeking relief and an effective path out of debt. New Era Debt Solutions doesn’t sugarcoat the process and provides the facts that other debt relief companies trying to earn your business might shy away from. It has an entire page dedicated to these hard truths, detailing its average settlement amounts, reasons why people have left the program before completion, and the average length of time it takes someone to complete its program. This transparency allows potential clients to make informed decisions and goes a long way in building trust and credibility.   </p> <p>With an entire team of debt specialists to help with the settlement process, it can tailor the strategy to each financial situation. It also partners with Consumer First Legal Network, which extends its reach further, allowing for legal insight when necessary.</p> <p>See our full review on <a href="https://fortune.com/recommends/loans/new-era-debt-solutions-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/new-era-debt-solutions-review/">New Era Debt Solutions</a>.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>New Era Debt Solutions services</h4></summary><p>New Era Debt Solutions aims to help clients reduce the stress of overwhelming debt. It does this through the following services: </p> <ul><li>Debt settlement</li> <li>Customized financial analysis</li> <li>Creditor negotiation</li> <li>Financial education and resources</li></ul></details> <h4 class="wp-block-heading">New Era Debt Solutions pros and cons</h4> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Personalized debt relief programs</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">No upfront fees for services</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">A+ BBB rating</span></li></ul></div><div><h3>Cons</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Unavailable in every state</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Credit score is likely to decline</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Its rates aren’t transparent</span></li></ul></div></div> <h4 class="wp-block-heading">New Era Debt Solutions fees</h4> <p>New Era Debt Solutions does not provide the details of its fees. It states that this depends on your location, the amount of debt, and the amount you can set aside to settle. You won’t pay any maintenance fees, and no fees are due until the debt is settled.</p> <h3 class="wp-block-heading" id="freedomdebtrelief">Best for interactive engagement: Freedom Debt Relief </h3> <p>Headquartered in San Mateo, California, Freedom Debt Relief works with clients all over the country to get relief from their unsecured debts, such as credit cards and medical bills.</p> <p>Freedom Debt Relief has served over 850,000 clients, the most out of every company on our list, and has settled more than four million accounts.</p> <p>Freedom Debt Relief has settled over $18 billion in debt, the most out of all the debt relief companies on our list.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="freedom-debt-relief" class="card-title"><a href="https://secure.money.com/pr/d3a0b5154c2c?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/d3a0b5154c2c?s1=3785852" rel="nofollow noopener noreferrer" aria-disabled="true">Freedom Debt Relief</a></h3> <section class="card-description"> <table> <tbody> <tr> <td>Cost</td> <td>15-25% of enrolled debt</td> </tr> <tr> <td>Avg. time to settle debt</td> <td>24-48 months</td> </tr> <tr> <td>Accreditations</td> <td>IAPDA, AADR</td> </tr> </tbody> </table> </section> </div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url(&quot;data:image/svg+xml;charset=utf-8,%3Csvg xmlns=&#x27;http://www.w3.org/2000/svg&#x27; viewBox=&#x27;0 0 1024 683&#x27;%3E%3Cfilter id=&#x27;b&#x27; color-interpolation-filters=&#x27;sRGB&#x27;%3E%3CfeGaussianBlur stdDeviation=&#x27;20&#x27;/%3E%3CfeColorMatrix values=&#x27;1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1&#x27; result=&#x27;s&#x27;/%3E%3CfeFlood x=&#x27;0&#x27; y=&#x27;0&#x27; width=&#x27;100%25&#x27; height=&#x27;100%25&#x27;/%3E%3CfeComposite operator=&#x27;out&#x27; in=&#x27;s&#x27;/%3E%3CfeComposite in2=&#x27;SourceGraphic&#x27;/%3E%3CfeGaussianBlur stdDeviation=&#x27;20&#x27;/%3E%3C/filter%3E%3Cimage width=&#x27;100%25&#x27; height=&#x27;100%25&#x27; x=&#x27;0&#x27; y=&#x27;0&#x27; preserveAspectRatio=&#x27;none&#x27; style=&#x27;filter: url(%23b);&#x27; href=&#x27;data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==&#x27;/%3E%3C/svg%3E&quot;)" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Freedom_Debt_Relief_Logo_444ad9.png?w=320&amp;q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Freedom_Debt_Relief_Logo_444ad9.png?w=384&amp;q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Freedom_Debt_Relief_Logo_444ad9.png?w=480&amp;q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Freedom_Debt_Relief_Logo_444ad9.png?w=576&amp;q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Freedom_Debt_Relief_Logo_444ad9.png?w=768&amp;q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Freedom_Debt_Relief_Logo_444ad9.png?w=1024&amp;q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Freedom_Debt_Relief_Logo_444ad9.png?w=1280&amp;q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Freedom_Debt_Relief_Logo_444ad9.png?w=1440&amp;q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Freedom_Debt_Relief_Logo_444ad9.png?w=1440&amp;q=75"/></div> <div class="card-area-3"><a href="https://secure.money.com/pr/d3a0b5154c2c?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://secure.money.com/pr/d3a0b5154c2c?s1=3785852" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Freedom Debt Relief</p> </div> <div class="card-area-4"> <section class="card-accordion two-pannels" role="tablist"> <!-- --> <input id="control0-62fc123f-fd7f-4177-895a-e0fe3a7ad575" role="tab" name="accordion-pannel-62fc123f-fd7f-4177-895a-e0fe3a7ad575" type="radio" aria-controls="content0-62fc123f-fd7f-4177-895a-e0fe3a7ad575" checked=""/> <label id="label0-62fc123f-fd7f-4177-895a-e0fe3a7ad575" tabindex="0" role="button" for="control0-62fc123f-fd7f-4177-895a-e0fe3a7ad575">Consumer Ratings</label> <div id="content0-62fc123f-fd7f-4177-895a-e0fe3a7ad575" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-62fc123f-fd7f-4177-895a-e0fe3a7ad575"> <li><strong>BBB Customer Reviews</strong> – 4.63 out of 5</li> <li><strong>TrustPilot ratings</strong> – 4.6 out of 5</li> </div> <!-- --> <input id="control1-62fc123f-fd7f-4177-895a-e0fe3a7ad575" role="tab" name="accordion-pannel-62fc123f-fd7f-4177-895a-e0fe3a7ad575" type="radio" aria-controls="content1-62fc123f-fd7f-4177-895a-e0fe3a7ad575"/> <label id="label1-62fc123f-fd7f-4177-895a-e0fe3a7ad575" tabindex="0" role="button" for="control1-62fc123f-fd7f-4177-895a-e0fe3a7ad575">Consumer Service</label> <div id="content1-62fc123f-fd7f-4177-895a-e0fe3a7ad575" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-62fc123f-fd7f-4177-895a-e0fe3a7ad575"> Freedom Debt Relief has debt specialists available Monday through Friday from 8:00am to 11:00pm EST, and weekends from 9:00am to 9:00pm EST. Customer service for current clients can be reached Monday through Thursday from 8:00am to 9:00pm EST, Friday from 8:00am to 8:00pm EST, and weekends from 10:00am to 8:00pm EST. </div> <a href="https://secure.money.com/pr/d3a0b5154c2c?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://secure.money.com/pr/d3a0b5154c2c?s1=3785852" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Freedom Debt Relief</p> </section> </div> </div> <h4 class="wp-block-heading"><strong>Why we like Freedom Debt Relief</strong> </h4> <p>Good for those who want an interactive dashboard that keeps you updated on the progress of your debt relief situation. Every time a new settlement offer comes in, you’re notified via phone and through your interactive dashboard. From there, you can select whether to accept it or not. This is particularly helpful for those with busy lives who don’t always have time to hop on a phone call.</p> <p>They’ve negotiated over $15 billion in debt as the largest debt relief provider in the U.S. The process starts with an in-depth consultation with specialists. It will then tailor strategies for every financial goal the client has.</p> <p>See our <a href="https://fortune.com/recommends/loans/freedom-debt-relief-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/freedom-debt-relief-review/">full review of Freedom Debt Relief</a>.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Freedom Debt Relief’s services</h4></summary><p>Services offered by Freedom Debt Relief include the following: </p> <ul><li>Personalized debt analysis</li> <li>Custom debt negotiation plans</li> <li>Online client dashboard for real-time updates</li> <li>Comprehensive creditor negotiations</li></ul></details> <h4 class="wp-block-heading">Freedom Debt Relief’s pros and cons</h4> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Interactive client dashboard for monitoring settlement progress</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">No upfront fees charged</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">More than $15 billion in settled debt</span></li></ul></div><div><h3>Cons</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Services not available in all states</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Settlements can significantly impact credit scores negatively</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">The process can take up to 48 months</span></li></ul></div></div> <h4 class="wp-block-heading">Freedom Debt Relief’s fees</h4> <p>You won’t pay any upfront fees with Freedom Debt Relief. Instead, you’ll pay 15%-25% of the debt enrolled. However, this rate can vary by state and the amount you enroll. The fee is charged only after you approve of the settlement offer and a payment has been made to the creditor.</p> <div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr><th scope="col">Debt Relief Company</th><th scope="col">Debt management plans</th><th scope="col">Debt settlement services</th><th scope="col">See details</th></tr></thead><tbody><tr><th scope="row"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-green-cyan-color">Featured partner</mark><br/><strong>National Debt Relief</strong></th><td class="">No</td><td class="">Yes</td><td class="last-cell"><a href="https://www.ndrtracking.com/aff_c?offer_id=75&amp;aff_id=2344&amp;url_id=731&amp;aff_sub=3785852" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.ndrtracking.com/aff_c?offer_id=75&amp;aff_id=2344&amp;url_id=731&amp;aff_sub=3785852" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at National Debt Relief</td></tr><tr><th scope="row"><strong>Money Management International</strong></th><td class="">Yes</td><td class="">No</td><td class="last-cell"><a href="https://www.moneymanagement.org/credit-counseling?sc_camp=5C16B5D9C7F0401ABBC0471F95F7A51A&amp;fortune_id=3785852" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.moneymanagement.org/credit-counseling?sc_camp=5C16B5D9C7F0401ABBC0471F95F7A51A&amp;fortune_id=3785852" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MMI</td></tr><tr><th scope="row"><strong>Accredited Debt Relief</strong></th><td class="">No</td><td class="">Yes</td><td class="last-cell"><a href="https://secure.money.com/pr/r9e9e2b2e639?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/r9e9e2b2e639?s1=3785852" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Accredited Debt Relief</td></tr><tr><th scope="row"><strong>Americor Debt Relief</strong></th><td class="">No</td><td class="">Yes</td><td class="last-cell"><a href="https://secure.money.com/pr/f44bc0ecd22d?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/f44bc0ecd22d?s1=3785852" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Americor</td></tr><tr><th scope="row"><strong>Pacific Debt Relief</strong></th><td class="">No</td><td class="">Yes</td><td class="last-cell"><a href="https://secure.money.com/pr/v9b7a9134571?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/v9b7a9134571?s1=3785852" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Pacific Debt Relief</td></tr><tr><th scope="row"><strong>Century Support Services</strong></th><td class="">No</td><td class="">Yes</td><td class="last-cell"><a href="https://apply.centuryss.com?wf=1&amp;fid=vbl9n1&amp;cid=cp265&amp;pid=mp349&amp;sub1=3785852" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://apply.centuryss.com?wf=1&amp;fid=vbl9n1&amp;cid=cp265&amp;pid=mp349&amp;sub1=3785852" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Century Support Services</td></tr><tr><th scope="row"><strong>New Era Debt Solutions</strong></th><td class="">No</td><td class="">Yes</td><td class="last-cell"><a href="https://secure.money.com/pr/mdcffb094d4c?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/mdcffb094d4c?s1=3785852" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at New Era Debt Solutions</td></tr><tr><th scope="row"><strong>Freedom Debt Relief</strong></th><td class="">No</td><td class="">Yes</td><td class="last-cell"><a href="https://secure.money.com/pr/d3a0b5154c2c?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/d3a0b5154c2c?s1=3785852" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Freedom Debt Relief</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJr"><tbody><tr><th><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-green-cyan-color">Featured partner</mark><br/><strong>National Debt Relief</strong></th><th class="last-cell"><a href="https://www.ndrtracking.com/aff_c?offer_id=75&amp;aff_id=2344&amp;url_id=731&amp;aff_sub=3785852" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.ndrtracking.com/aff_c?offer_id=75&amp;aff_id=2344&amp;url_id=731&amp;aff_sub=3785852" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at National Debt Relief</th></tr><tr><th class="header" scope="row">Debt management plans</th><td>No</td></tr><tr><th class="header" scope="row">Debt settlement services</th><td>Yes</td></tr><tr><th><strong>Money Management International</strong></th><th class="last-cell"><a href="https://www.moneymanagement.org/credit-counseling?sc_camp=5C16B5D9C7F0401ABBC0471F95F7A51A&amp;fortune_id=3785852" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.moneymanagement.org/credit-counseling?sc_camp=5C16B5D9C7F0401ABBC0471F95F7A51A&amp;fortune_id=3785852" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MMI</th></tr><tr><th class="header" scope="row">Debt management plans</th><td>Yes</td></tr><tr><th class="header" scope="row">Debt settlement services</th><td>No</td></tr><tr><th><strong>Accredited Debt Relief</strong></th><th class="last-cell"><a href="https://secure.money.com/pr/r9e9e2b2e639?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/r9e9e2b2e639?s1=3785852" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Accredited Debt Relief</th></tr><tr><th class="header" scope="row">Debt management plans</th><td>No</td></tr><tr><th class="header" scope="row">Debt settlement services</th><td>Yes</td></tr><tr><th><strong>Americor Debt Relief</strong></th><th class="last-cell"><a href="https://secure.money.com/pr/f44bc0ecd22d?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/f44bc0ecd22d?s1=3785852" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Americor</th></tr><tr><th class="header" scope="row">Debt management plans</th><td>No</td></tr><tr><th class="header" scope="row">Debt settlement services</th><td>Yes</td></tr><tr><th><strong>Pacific Debt Relief</strong></th><th class="last-cell"><a href="https://secure.money.com/pr/v9b7a9134571?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/v9b7a9134571?s1=3785852" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Pacific Debt Relief</th></tr><tr><th class="header" scope="row">Debt management plans</th><td>No</td></tr><tr><th class="header" scope="row">Debt settlement services</th><td>Yes</td></tr><tr><th><strong>Century Support Services</strong></th><th class="last-cell"><a href="https://apply.centuryss.com?wf=1&amp;fid=vbl9n1&amp;cid=cp265&amp;pid=mp349&amp;sub1=3785852" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://apply.centuryss.com?wf=1&amp;fid=vbl9n1&amp;cid=cp265&amp;pid=mp349&amp;sub1=3785852" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Century Support Services</th></tr><tr><th class="header" scope="row">Debt management plans</th><td>No</td></tr><tr><th class="header" scope="row">Debt settlement services</th><td>Yes</td></tr><tr><th><strong>New Era Debt Solutions</strong></th><th class="last-cell"><a href="https://secure.money.com/pr/mdcffb094d4c?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/mdcffb094d4c?s1=3785852" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at New Era Debt Solutions</th></tr><tr><th class="header" scope="row">Debt management plans</th><td>No</td></tr><tr><th class="header" scope="row">Debt settlement services</th><td>Yes</td></tr><tr><th><strong>Freedom Debt Relief</strong></th><th class="last-cell"><a href="https://secure.money.com/pr/d3a0b5154c2c?s1=3785852" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/d3a0b5154c2c?s1=3785852" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Freedom Debt Relief</th></tr><tr><th class="header" scope="row">Debt management plans</th><td>No</td></tr><tr><th class="header" scope="row">Debt settlement services</th><td>Yes</td></tr></tbody></table></div> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Dig in</h3> <p><a href="https://fortune.com/recommends/loans/tips-to-reduce-debt/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/tips-to-reduce-debt/" data-type="link" data-id="https://fortune.com/recommends/loans/tips-to-reduce-debt/">7 proven ways to reduce—or even eliminate—your debt</a><br/><a href="https://fortune.com/recommends/loans/debt-settlement-vs-debt-consolidation-vs-debt-management-plans/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/debt-settlement-vs-debt-consolidation-vs-debt-management-plans/" data-type="link" data-id="https://fortune.com/recommends/loans/debt-settlement-vs-debt-consolidation-vs-debt-management-plans/">Debt settlement vs. debt consolidation vs. debt management plans: Which is right for you?</a></p></div></div> <h2 class="wp-block-heading" id="what-to-know"><strong>What to know about debt relief companies</strong></h2> <p>The first thing you should know about debt relief companies is that not all types of debt can be negotiated. Anything backed by the federal government or by collateral is ineligible for relief. This includes federal student loans, mortgages, and auto loans. Some private student loans may be eligible, depending on the debt relief company and your circumstances.  </p> <p>Most debt relief companies require you to be facing some kind of financial hardship, such as a divorce or layoff, before they’ll consider taking you on as a client.   </p> <p>While you’ll get out of debt, know that your credit score will likely tank in the immediate term. This is because, to negotiate with creditors, the money you’d typically put toward your debt will go into an FDIC-insured trust account to accumulate. This means missed payments and you’ll continue to receive collection calls. After all, why would a creditor negotiate if you’re already making on-time payments? </p> <p>Additionally, you don’t need a debt relief company to settle with creditors. There are plenty of online resources to do it yourself, but if you’re not confident in your negotiation skills, having an expert do it for you can save you time, money, and stress. After all, you don’t want to agree to unfavorable terms or misunderstand any of the legalities of your agreements.</p> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Pro tips</h3> <p>Even credit experts make financial mistakes sometimes—a fact I’m not afraid to admit. In the past, I’ve struggled with credit card debt. But I was able to use a balance transfer credit card to consolidate my balances and pay them down over time. Still, if you’re considering this option you should consider the <a href="https://fortune.com/recommends/credit-cards/6-reasons-to-do-a-credit-card-balance-transfer-and-5-reasons-not-to/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/6-reasons-to-do-a-credit-card-balance-transfer-and-5-reasons-not-to/" rel="noreferrer noopener">pros and cons of a balance transfer</a> before you apply for a new account. <em><a href="https://fortune.com/author/michelle-lambright-black/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/author/michelle-lambright-black/" data-type="link" data-id="https://fortune.com/author/michelle-lambright-black/">Michelle Lambright Black, Fortune Recommends contributor and credit expert</a></em></p></div></div> <h2 class="wp-block-heading" id="Debt-relief-vs-debt-settlement"><strong>Debt relief vs. debt settlement</strong></h2> <p>Think of debt relief as an umbrella term that includes several strategies for getting out of debt—debt settlement included. Other debt relief strategies include credit counseling, debt consolidation, and more. The overall goal is to reduce the financial stress involved with carrying a heavy debt load by reducing interest rates, consolidating multiple debts, negotiating for lower payments, or a combination of strategies. </p> <p>Debt settlement is a specific type of debt relief that aims to negotiate with creditors to reduce the amount owed, usually for a lump-sum payment, which is often done with a third party. The most common type of debt for debt settlement is credit card debt, although other types of unsecured debt, such as medical bills, personal loans, and private student loans, can also be negotiated in some cases. </p> <p>You won’t find debt settlement options for anything that’s secured, such as a mortgage or a vehicle loan, because these are backed by collateral—if the consumer defaults, the lender collects the collateral in return and has no reason to negotiate a debt.</p> <div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr><th scope="col">Key features</th><th scope="col">Debt relief</th><th scope="col">Debt settlement</th></tr></thead><tbody><tr><th scope="row">Reduces total debt</th><td class="">Sometimes</td><td class="last-cell">Yes</td></tr><tr><th scope="row">Lowers interest rates</th><td class="">Yes</td><td class="last-cell">No</td></tr><tr><th scope="row">Consolidates debts into one payment</th><td class="">Yes</td><td class="last-cell">No</td></tr><tr><th scope="row">Negative impact on credit score</th><td class="">Sometimes</td><td class="last-cell">Yes</td></tr><tr><th scope="row">Available for secured debts, such as mortgage and car loan</th><td class="">No</td><td class="last-cell">No</td></tr><tr><th scope="row">Involves negotiating with creditors</th><td class="">Sometimes</td><td class="last-cell">Yes</td></tr><tr><th scope="row">Requires upfront fees</th><td class="">No</td><td class="last-cell">No</td></tr><tr><th scope="row">Length of time to complete (average)</th><td class="">12-60 months</td><td class="last-cell">24-48 months</td></tr><tr><th scope="row">Credit counseling and education included</th><td class="">Yes</td><td class="last-cell">No</td></tr><tr><th scope="row">Can be done without third-party assistance</th><td class="">Yes</td><td class="last-cell">Yes</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJr"><tbody><tr><th>Reduces total debt</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Debt relief</th><td>Sometimes</td></tr><tr><th class="header" scope="row">Debt settlement</th><td>Yes</td></tr><tr><th>Lowers interest rates</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Debt relief</th><td>Yes</td></tr><tr><th class="header" scope="row">Debt settlement</th><td>No</td></tr><tr><th>Consolidates debts into one payment</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Debt relief</th><td>Yes</td></tr><tr><th class="header" scope="row">Debt settlement</th><td>No</td></tr><tr><th>Negative impact on credit score</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Debt relief</th><td>Sometimes</td></tr><tr><th class="header" scope="row">Debt settlement</th><td>Yes</td></tr><tr><th>Available for secured debts, such as mortgage and car loan</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Debt relief</th><td>No</td></tr><tr><th class="header" scope="row">Debt settlement</th><td>No</td></tr><tr><th>Involves negotiating with creditors</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Debt relief</th><td>Sometimes</td></tr><tr><th class="header" scope="row">Debt settlement</th><td>Yes</td></tr><tr><th>Requires upfront fees</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Debt relief</th><td>No</td></tr><tr><th class="header" scope="row">Debt settlement</th><td>No</td></tr><tr><th>Length of time to complete (average)</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Debt relief</th><td>12-60 months</td></tr><tr><th class="header" scope="row">Debt settlement</th><td>24-48 months</td></tr><tr><th>Credit counseling and education included</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Debt relief</th><td>Yes</td></tr><tr><th class="header" scope="row">Debt settlement</th><td>No</td></tr><tr><th>Can be done without third-party assistance</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Debt relief</th><td>Yes</td></tr><tr><th class="header" scope="row">Debt settlement</th><td>Yes</td></tr></tbody></table></div> <h2 class="wp-block-heading" id="how-to-choose"><strong>How to choose a debt relief company</strong></h2> <p>Choosing a debt relief company should be done with care because the last thing you want is to end up in a worse situation than you’re in now. Here are some questions to ask potential debt relief companies:</p> <ul><li>Is it accredited by any industry organizations?</li> <li>Does it publish its success rate? How about its failure rate?</li> <li>What are its fees?</li> <li>How long is the program?</li> <li>How are you notified of settlement progress?</li> <li>Does it have an in-house or external legal team?</li></ul> <h3 class="wp-block-heading">Watch out for debt relief scammers</h3> <p>The unfortunate truth about the debt relief and <a href="https://fortune.com/recommends/loans/best-credit-repair-companies/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/best-credit-repair-companies/" data-type="link" data-id="https://fortune.com/recommends/loans/best-credit-repair-companies/">credit repair</a> industries is that scammers are ready to pounce on the vulnerable. They prey on those who are looking for easy out from insurmountable debt by promising unrealistic results. Be wary of any companies charging money upfront (the FTC doesn’t allow this), making promises that your credit score won’t go down (if you’re settling, it will), and offering to settle for pennies on the dollar (it can’t). Some of these scammers will use automated robocalls to proactively reach people in debt. </p> <p>Protect yourself from scammers by confirming the agency you are speaking with is accredited and has a track record of success. You should do independent research on sites, such as Trustpilot and BBB. Search its name and website and check for negative customer reviews and any lawsuits. Any legitimate debt relief company cannot make you pay a fee upfront or promise to stop all debt collectors from calling. Lastly, if what they are promising appears to be too good to be true, then it probably is. </p> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Pro tip</h3> <p>I found that many people mistakenly placed their faith in debt settlement, debt relief services and credit repair services. Just because one of these companies has the word “law” or “legal” in their name, like Lexington Law, doesn’t mean they have lawyers working for you, and there’s still a good chance you’ll get scammed. <em><a href="https://fortune.com/author/sarah-brady/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/author/sarah-brady/" data-type="link" data-id="https://fortune.com/author/sarah-brady/">Sarah Brady, Fortune Recommends contributor and former credit counselor.</a></em></p></div></div> <h2 class="wp-block-heading" id="alternatives">Alternatives to debt relief companies</h2> <p>There are many alternative options before resorting to a debt relief company. Some of these include:</p> <ul><li><strong><a href="https://fortune.com/recommends/loans/how-to-consolidate-debt-with-personal-loan/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/how-to-consolidate-debt-with-personal-loan/">Debt consolidation</a>:</strong> Debt consolidation is when you combine multiple debts, like high-interest credit card debt, into a single loan, usually with a lower interest rate. This is ideal for those who are making multiple payments to various creditors each month and want to simplify things. If they can offer a lower interest rate on the consolidation, it’ll save you money too. Debt consolidation is done via a personal loan, home equity loan, or balance transfer credit card, depending on your credit score.</li> <li><strong>Debt management:</strong> A debt management plan (DMP) is usually offered through credit counseling agencies. They aim to lower your interest rate so you can repay your entire debt in full over time. They work with creditors to create a payoff plan and often negotiate for lower interest rates and no late fees. This way, you’re making consistent, on-time payments without financial strain.</li> <li>Negotiate with creditors yourself: If you want to avoid the cost of having a third party negotiate with creditors, you can do so yourself. Some creditors may be willing to lower your interest rate, waive fees, extend payment terms, or reduce your total balance owed if you can provide proof of financial hardship.</li> <li><strong><a href="https://fortune.com/recommends/loans/best-personal-loans/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/best-personal-loans/">Personal loan</a>:</strong> To get a personal loan to pay off debt, you usually need a decent credit score, which isn’t easy to obtain if you are already struggling with debt. This will let you consolidate your debt into one loan with, hopefully, a lower interest rate.</li> <li><strong><a href="https://fortune.com/recommends/mortgages/use-home-equity-loan-to-consolidate-debt/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/mortgages/use-home-equity-loan-to-consolidate-debt/">Home equity loans</a> or lines of credit (HELOC):</strong> If you’re a homeowner, tapping into your home equity through a home equity loan or HELOC can help to pay off debt. Most HELOCs have lower interest rates than credit cards, so you can pay off debt quicker. This is a risky strategy, though, because if you fail to make your HELOC payments, you could lose your home. </li> <li><strong>Balance transfer credit cards:</strong> With a balance transfer credit card, you usually get an introductory rate, such as low interest or zero interest for a set period of time, usually 12 to 18 months. This can give you some breathing room to pay down your debt without accumulating interest. The caveat is balance transfer cards usually charge a fee for transfers, and if you’re not paying off the card before the promotion period ends, interest usually skyrockets.</li> <li><strong><a href="https://fortune.com/recommends/loans/best-credit-counseling-services/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/best-credit-counseling-services/" data-type="link" data-id="https://fortune.com/recommends/loans/best-credit-counseling-services/">Credit counseling</a>:</strong> Credit counseling won’t reduce the amount you owe, but it can provide a structured path toward reducing your debt and, sometimes, includes a debt management plan. These agencies provide financial advice and guidance on managing your debt. Usually, your first consultation is free and helps you come up with a plan to pay down your debt, improve credit, and create a budget.</li> <li><strong>Bankruptcy:</strong> Bankruptcy should be a last resort, as it can have long-lasting detrimental effects on your credit score and financial record. Some employers won’t hire you if there is a bankruptcy on your record, so this is something to keep in mind. There are two main types of bankruptcy: Chapter 7, which liquidates your assets to pay off debts, and Chapter 13, which sets up a repayment plan. These usually stay on your record for seven to 10 years, and in most jurisdictions, are matters of public record.</li></ul> <h2 class="wp-block-heading" id="How-to-apply-for-debt-relief-services">How to apply for debt relief services</h2> <p>Applying for debt relief services is pretty straightforward, but it helps to have an idea of the process. While debt relief companies vary, here’s what to expect, whether you’re pursuing debt settlement, debt management, or a different form of assistance.</p> <h3 class="wp-block-heading">1. Assess your financial situation</h3> <p>Before you get in touch with a debt relief company, it’s helpful to have a thorough understanding of your financial situation. Go through each of your statements and catalog your outstanding balances, interest rates, due dates, minimum monthly payments, and account numbers. Leave no stone unturned—it can be scary to look at, but it’s better to bite the bullet now so you can get ahead of your finances.</p> <p>Take stock of your monthly income and expenses so you have a better idea of what you have to work with. Debt relief companies will want to know this information when recommending solutions, so gathering this before your call will speed up the process. </p> <h3 class="wp-block-heading">2. Research debt relief companies</h3> <p>Once you’ve got a clear picture of your financial situation, you can start narrowing down the debt relief companies you want to work with. Look for a company that’s accredited by organizations like the AFCC or IAPDA. These types of organizations make sure debt relief companies adhere to best practices and ethical standards so they’re not being unethical and consumers aren’t deceived. Companies who are members of these bodies are vetted and follow industry guidelines. </p> <p>Check out review sites like Trustpilot or BBB to gauge customer satisfaction. Some charge excessive fees or make unrealistic promises, so be sure to look for these types of comments in customer reviews. These review sections can sometimes provide tips, such as reminders or even red flags to watch out for. </p> <h3 class="wp-block-heading">3. Schedule a consultation</h3> <p>Most debt relief companies offer free consultations, so you should take advantage of booking one with each of your top contenders. At a consultation, you’ll speak with a debt consultant who will go over your financial details and goals before letting you know about the options that will fit your situation. Find out if their chosen program will impact your credit score. What should you do if creditors are hounding you? Are you charged a monthly fee? What are the trade-offs?</p> <p>At this appointment, you’ll have an opportunity to learn about their fees, timelines, the process, and the risks of the program they recommend. Don’t make any commitments until you’ve had a chance to consult with other companies and can sleep on the information you’re given. The last thing you want is to make an impulse decision and end up in a contract that isn’t in your best interest. </p> <h3 class="wp-block-heading">4. Sign the agreement and create a plan</h3> <p>After deciding on a debt relief company and plan, your final step before implementing the actual debt relief plan is to sign an agreement. This contract will outline the services the company will provide, your fees, and the duration of the program. Once you sign your contract, the company will begin the plan you signed up for. This could involve creating a dedicated savings account to fund your debt settlements, or scheduling your reduced monthly payments in a debt management plan.</p> <p>Keep a copy of this agreement for your records, and it’s a good idea to save a scan of it to your phone in case it gets lost. You can do this through any scanner app. Then, back up this digital copy in cloud storage for easy access across devices.</p> <h2 class="wp-block-heading" id="methodology"><strong>Our methodology</strong> </h2> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="pies-title" id="datawrapper-chart-hKlh1" frameBorder="0" height="466" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/hKlh1/2/" style="border:none" title="Best debt relief companies: Our methodology" width="100%"></iframe> </div></figure> <p>To determine the five best debt relief companies, our team did a thorough qualitative analysis of dozens of debt relief companies. We analyzed the services offered, its published track record, industry reputation, customer reviews, accreditations, and its customer service.</p> <p><strong>Consumer Reviews (40%):</strong> What actual consumers have to say about their experience with a debt relief company is taken into account heavily because dealing with the stress of debt cannot be understated. We looked at a number of consumer review sites, such as BBB, Trustpilot, and Google Reviews, to compile the score.</p> <p><strong>Costs (30%):</strong> Anyone looking for debt relief should be focused on how much it will cost them to reduce their debt because, after all, it has to be worth it. That’s why we heavily weigh costs in our methodology.</p> <p><strong>Average time to settle debt (20%):</strong> Anyone with mounting debt should be concerned with how long it takes to settle and achieve debt-free financial freedom.</p> <p><strong>Free consultation (5%):</strong> All debt relief companies should not charge you for your first consultation. It is against the laws of the FTC for them to take any upfront fees. </p> <p><strong>Accreditations and types of debt services (5%):</strong>- There are several relevant accreditations that debt relief companies can have. Those badges indicate the debt relief company is trained properly to offer you sound advice on how to manage or reduce your debts. We also weighed the types of debt services each company provides, such as debt settlement and debt consolidation.</p> <h2 class="wp-block-heading" id="faqs">Frequently asked questions</h2> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Will my credit score improve by using a debt relief company?</h3></summary><p>In the short term, your credit score will almost always go down. You won’t be making payments on your debt, which will be reported to credit bureaus as a missed payment, and instead will be taking that money and putting it into an FDIC-insured trust account to accumulate until enough money is collected to settle. Once a settlement is reached, debt relief companies use the money in the trust account to settle that debt. However, in the long-term, once the missed payments drop off, your score is likely to increase as the debt decreases.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>How will debt relief effect my credit?</h3></summary><p>Because debt relief programs often require you to stop making payments to creditors while they negotiate on your behalf, your credit score will be negatively impacted. Repairing your credit score after a participating in a debt relief program can take months or years. </p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Do debt relief companies charge money upfront?</h3></summary><p>No, it’s <a href="https://www.ftc.gov/news-events/news/press-releases/2010/10/debt-relief-companies-prohibited-collecting-advance-fees-under-ftc-rule-takes-effect-october-27-2010" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.ftc.gov/news-events/news/press-releases/2010/10/debt-relief-companies-prohibited-collecting-advance-fees-under-ftc-rule-takes-effect-october-27-2010" rel="noopener" data-type="link" data-id="https://www.ftc.gov/news-events/news/press-releases/2010/10/debt-relief-companies-prohibited-collecting-advance-fees-under-ftc-rule-takes-effect-october-27-2010">against the FTC</a> to charge money before settling. Instead, debt relief companies charge a fee based on the amount they have settled on your behalf. Typically, <a href="https://www.nationaldebtrelief.com/blog/debt-guide/debt-relief/debt-relief-programs-really-work/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.nationaldebtrelief.com/blog/debt-guide/debt-relief/debt-relief-programs-really-work/" rel="noreferrer noopener">debt relief companies charge 15% to 25%</a> after an agreement is reached.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Can credit relief companies stop collection calls?</h3></summary><p>No, you’re likely to continue to receive collect calls even when actively working with a debt relief company. This is because you’re missing payments. Legally, creditors are allowed to continue to attempt to collect on the debt owed.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>How does debt relief work?</h3></summary><p>Debt relief can come in a number a ways all with the goal of <a href="https://fortune.com/recommends/loans/tips-to-reduce-debt/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/tips-to-reduce-debt/">reducing or eliminating your debt</a>. Debt relief companies typically negotiate a settlement with your creditors to reduce your overall balance. They&#x27;ll then work out a more manageable payment plan with you at a lower interest rate. </p></details> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"> <h3 class="wp-block-heading pro-tip-box-heading">Read more</h3> <li>Make a budget and fix your finances by downloading one of the <a href="https://fortune.com/recommends/banking/best-budgeting-apps/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-budgeting-apps/">best budgeting apps</a>.</li> <li>If you need cash in a jiffy, check out our ranking of the <a href="https://fortune.com/recommends/banking/cash-advance-apps/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/cash-advance-apps/">best cash advance apps</a>.</li> <li>Selecting one of the <a href="https://fortune.com/recommends/banking/best-free-checking-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-free-checking-accounts/">best free checking accounts</a> means you’ll never pay annual fees for checking.</li> <li>Downloading one of the <a href="https://fortune.com/recommends/investing/best-investment-apps/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/investing/best-investment-apps/">best investment apps</a> lets you manage your investments when you’re on the go.</li> </div></div></div><div class="sc-30bdb254-0 kxagCu evergreen" data-cy="subscriptionPlea"><p>Follow Fortune Recommends on <a href="https://www.facebook.com/fortunerecommends" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.facebook.com/fortunerecommends" rel="noopener">Facebook</a> and <a href="https://twitter.com/fortunerecs" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://twitter.com/fortunerecs" rel="noopener">Twitter</a>.</p></div></div></div></div><div class="sc-82385409-3 dKaNXQ bottom-section"><div data-cy="authors-bio-cards" class="sc-82385409-6 kSOnKx"><h4 class="sc-3358ecfd-0 fwBYux">About the contributors</h4><div class="sc-3be47025-11 fcFEKV author-bio"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/katherine-haan/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url(&quot;data:image/svg+xml;charset=utf-8,%3Csvg xmlns=&#x27;http://www.w3.org/2000/svg&#x27; 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She is a regular contributor to Forbes and maintains a popular lifestyle and travel blog.</span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/kathyhaan/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://x.com/iamkathyhaan" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our twitter profile"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="22" aria-hidden="true" viewBox="0 0 24 22" class="social-icon"><path d="M18.901 0.15332H22.581L14.541 9.34332L24 21.8463H16.594L10.794 14.2623L4.156 21.8463H0.474L9.074 12.0163L0 0.15432H7.594L12.837 7.08632L18.901 0.15332ZM17.61 19.6443H19.649L6.486 2.24032H4.298L17.61 19.6443Z"></path></svg></a></li></ul><a href="https://fortune.com/author/katherine-haan/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div><div class="sc-3be47025-11 fcFEKV author-bio"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/ehabzahriyeh/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url(&quot;data:image/svg+xml;charset=utf-8,%3Csvg xmlns=&#x27;http://www.w3.org/2000/svg&#x27; 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We earn a commission for purchases made from affiliate partners via some links on our site; other links are not affiliate partner links. \u003ca href='/advertiser-disclosure/'\u003eClick here\u003c/a\u003e to read the full Fortune Recommends advertiser disclosure and how we earn commissions. \u003ca href='/about-recommends/'\u003eClick here\u003c/a\u003e to read about our editorial policies and our methodologies.","shortText":"Fortune Recommends™ is editorially independent. We may earn affiliate revenue from links in this content."},"progressBar":true,"templateType":"landing_page"},"mostPopular":[{"authors":[{"name":"Jessica Ullrich","uri":"/author/jessica-ulrich","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/jessica-ulrich/"}],"contentType":null,"date":"2024-02-06T21:47:07","dateFormatted":"February 6, 2024","dateGMT":"2024-03-27T16:54:57","dateGMTFormatted":"March 27, 2024","dateUpdated":"2024-11-14T07:31:33","dateUpdatedFormatted":"November 14, 2024","dateUpdatedGMT":"2024-11-14T12:31:33","dateUpdatedGMTFormatted":"November 14, 2024","excerpt":"Repairing your credit can lead to getting you access to better interest rates that can ultimately save you money.","eyebrowSectionLabel":"Loans","eyebrowSectionLink":"/section/loans","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2024/02/GettyImages-643153146-e1706902987191.jpg"},"title":"The best credit repair companies—and what they do well","titleLink":"https://fortune.com/recommends/loans/best-credit-repair-companies/?itm_source=parsely-api"},{"authors":[{"name":"Katherine Haan","uri":"/author/katherine-haan","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/katherine-haan/"}],"contentType":null,"date":"2024-10-10T13:11:08","dateFormatted":"October 10, 2024","dateGMT":"2024-10-10T13:11:08","dateGMTFormatted":"October 10, 2024","dateUpdated":"2024-10-10T09:11:08","dateUpdatedFormatted":"October 10, 2024","dateUpdatedGMT":"2024-10-10T13:11:31","dateUpdatedGMTFormatted":"October 10, 2024","excerpt":"Compare plans, debt services, and consumer reviews in our head-to-head roundup.","eyebrowSectionLabel":"Loans","eyebrowSectionLink":"/section/loans","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_National-Debt-Relief-vs-Freedom-Debt-Relief.jpg"},"title":"National Debt Relief vs. Freedom Debt Relief: Choosing the right debt service to achieve financial freedom","titleLink":"https://fortune.com/recommends/loans/national-debt-relief-vs-freedom-debt-relief/?itm_source=parsely-api"},{"authors":[{"name":"Sarah Brady","uri":"/author/sarah-brady","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/sarah-brady/"}],"contentType":null,"date":"2024-06-28T13:17:18","dateFormatted":"June 28, 2024","dateGMT":"2024-06-28T13:17:18","dateGMTFormatted":"June 28, 2024","dateUpdated":"2024-11-14T07:31:10","dateUpdatedFormatted":"November 14, 2024","dateUpdatedGMT":"2024-11-14T12:31:10","dateUpdatedGMTFormatted":"November 14, 2024","excerpt":"If you’re in need of support to get your finances in order, a credit counseling agency can help in a number of ways.","eyebrowSectionLabel":"Loans","eyebrowSectionLink":"/section/loans","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Best-Credit-Counseling.jpg"},"title":"Best credit counseling services 2024","titleLink":"https://fortune.com/recommends/loans/best-credit-counseling-services/?itm_source=parsely-api"}],"subdomain":"recommends","footer":{"footerDisclaimer":"\u003cp\u003e© 2024 Fortune Media IP Limited. 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Inclusion","url":"https://fortune.com/workplace/diversity-inclusion"},{"__typename":"MenuItem","label":"Terms and Conditions","url":"/terms-of-use/"},{"__typename":"MenuItem","label":"Site Map","url":"/sitemap/"}],"name":"Footer About 1"}],"socialList":[{"type":"facebook","url":"https://www.facebook.com/FortuneMagazine/"},{"type":"twitter","url":"https://twitter.com/FortuneMagazine/"},{"type":"linkedin","url":"https://www.linkedin.com/company/fortune-magazine/"},{"type":"instagram","url":"https://www.instagram.com/fortunemag/"},{"type":"pinterest","url":"https://www.pinterest.com/fortunemagazine/"}]},"article":{"adTags":[{"adtagname":"cat_Debt Relief","description":null,"slug":"cat-debt-relief"},{"adtagname":"High Intent","description":null,"slug":"high-intent"},{"adtagname":"ptype_Roundup","description":null,"slug":"ptype-roundup"}],"audienceDek":"We've done the research on the best debt relief companies with excellent reputations for helping ease the financial burden consumers face in tough times.","authorNames":["Katherine Haan"],"authors":[{"email":"","image":"https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=150","name":"Katherine Haan","sameAs":"","type":"Person","uri":"/author/katherine-haan/","url":"https://fortune.com/author/katherine-haan/","role":"Personal Finance Expert","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/kathyhaan/","twitterUrl":"https://x.com/iamkathyhaan","__typename":"AuthorSocialUrlsFields"},"shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eKatherine Haan\u003c/span\u003e\u003cspan style=\"font-weight: 400\"\u003e is a former\u003c/span\u003e\u003cspan style=\"font-weight: 400\"\u003e financial advisor turned small business coach. Katherine holds an MBA, and is a former staff writer for Fit Small Business. She is a regular contributor to Forbes and maintains a popular lifestyle and travel blog.\u003c/span\u003e\u003c/p\u003e\n","__typename":"Co-authors"}],"breadcrumbs":{"items":[{"label":"LOANS AND MORTGAGES","link":"https://fortune.com/recommends/loans-mortgages/"},{"label":"LOANS","link":"/recommends/loans/"},{"label":"8 BEST DEBT RELIEF COMPANIES","link":""}]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":null,"channel":"Loans","content":"\u003cp\u003eIf you’re one of the Americans carrying a portion of the $1.08 trillion in U.S. credit card balances, or the 8% who are delinquent, a way out could mean the difference between a lifetime of financial struggle and a fresh start.\u0026nbsp;\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cp\u003eThat’s where debt relief companies come in. They negotiate your debt with creditors on your behalf, working to reduce the total amount you owe and create a plan for repayment, allowing you a chance to regain control over your finances and rebuild your life.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhy trust Fortune Recommends\u003c/summary\u003e\n\u003cp\u003eOur editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our \u003ca href=\"https://fortune.com/fortune-recommends-editorial-guidelines/\"\u003eeditorial guidelines \u003c/a\u003efor the ratings below.\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eOver 20 agencies compared\u003c/li\u003e\n\n\n\n\u003cli\u003eMore than 360 data points collected\u003c/li\u003e\n\n\n\n\u003cli\u003e4 layers of fact-checking\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"best-debt-relief-companies\"\u003e\u003cstrong\u003eThe 8 best debt relief companies of \u003cstrong\u003e \u003c/strong\u003eNovember 2024\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eReputable debt relief companies have fair pricing, a solid track record, satisfied customers, and agents who hold certifications from reputable organizations like International Association of Professional Debt Arbitrators (IAPDA, formerly known as the American Fair Credit Council), American Association for Debt Resolution (AADR), or Financial Counseling Association of America (FCAA). We’ve done the work for you to find the best debt relief companies that meet this criteria. Their fees are subject to change, but all figures on our list are current as of July 10, 2024.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"nationaldebtrelief\"\u003eBest for credit card debt: National Debt Relief\u003c/h3\u003e\n\n\n\n\u003cp\u003eHeadquartered in New York City, National Debt Relief has settled more than $1 billion in debt. It has helped more than 500,000 people located all over the United States settle their debt.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eMore than $1 billion in unsecured debts resolved — one of the larger amounts of debt settled that we’ve come across.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eLike others on our list, National Debt Relief has an A+ BBB rating, the highest possible score.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eNational Debt Relief debt specialists are available Monday through Friday from 8 a.m. to midnight EST and weekends from 8 a.m. to 10 p.m. If you’re a current client, customer service is available Monday through Friday from 10 a.m. to 8 p.m. EST.\u0026nbsp;\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-banner\"\u003eFEATURED PARTNER\u003c/div\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"national-debt-relief\" class=\"card-title\"\u003eNational Debt Relief\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eCost\u003c/td\u003e\r\n\u003ctd\u003e15-25% of enrolled debt based on debt amount and state of registration\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAvg. time to settle debt\u003c/td\u003e\r\n\u003ctd\u003e24-48 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAccreditations\u003c/td\u003e\r\n\u003ctd\u003eAADR\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/image_33d28c.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://www.ndrtracking.com/aff_c?offer_id=75\u0026#038;aff_id=2344\u0026#038;url_id=731\u0026#038;aff_sub=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat National Debt Relief\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eConsumer Ratings\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eBBB Customer Reviews\u003c/strong\u003e – 4.72 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eTrustPilot ratings\u003c/strong\u003e – 4.7 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eGoogle ratings\u003c/strong\u003e – 4.6 out of 5\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eConsumer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nNational Debt Relief is available over the phone seven days a week. The debt relief companies\u0026#8217; hours of operations are Monday through Friday between 8:00am and Midnight, Saturdays between 8:00am and 11:00pm, and Sundays 8:00am and 10:00pm (all in Eastern Time). You can also reach them via email and fax.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.ndrtracking.com/aff_c?offer_id=75\u0026#038;aff_id=2344\u0026#038;url_id=731\u0026#038;aff_sub=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat National Debt Relief\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like National Debt Relief for credit card debt\u003c/strong\u003e\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eGood for those seeking private student loan debt relief, National Debt Relief’s enormous amount of debts resolved and clients served makes it an attractive option. Its availability during late and weekend hours is beneficial for onboarding new clients, although these extended hours are not offered to existing clients. As with the rest of the options on our list, it charges no fees upfront, and its performance-based pricing model ensures your financial well-being is a priority.\u003c/p\u003e\n\n\n\n\u003cp\u003eWith over 75,000 five-star reviews, it\u0026#8217;s one of the highest-rated debt relief companies. Its debt arbitrators are all certified through the International Association of Professional Debt Arbitrators (IAPDA). These arbitrators then deal directly with the creditors, aiming to reduce the client\u0026#8217;s overall debt. They\u0026#8217;ve resolved over $1 billion in unsecured debts.\u003c/p\u003e\n\n\n\n\u003cp\u003eSee our \u003ca href=\"https://fortune.com/recommends/loans/national-debt-relief-review/\"\u003efull review on National Debt Relief\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eNational Debt Relief’s services\u003c/summary\u003e\n\u003cp\u003eNational Debt Relief provides many ways to ease a client\u0026#8217;s burden of debt. While specializing in debt settlement, this is complemented by other supports, including:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eDebt settlement\u003c/li\u003e\n\n\n\n\u003cli\u003eDebt consolidation\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit counseling\u003c/li\u003e\n\n\n\n\u003cli\u003eFinancial education\u003c/li\u003e\n\n\n\n\u003cli\u003eBankruptcy prefiling counseling\u003c/li\u003e\n\n\n\n\u003cli\u003eBankruptcy post-filing education\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eNational Debt Relief’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eOver $1 billion in unsecured debt settled\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou only pay if it\u0026#8217;s able to settle\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eA+ BBB rating\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNot available in every state\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eExtended hours only available for onboarding and not for existing clients \u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eIts fees are high\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eNational Debt Relief’s fees\u003c/h4\u003e\n\n\n\n\u003cp\u003eYou won\u0026#8217;t pay anything to National Debt Relief unless they settle your debt, and you approve the settlement. After one settlement payment is made, then National Debt Relief collects its fee. On average, a client will pay anywhere from 15% to 25% of the total debt enrolled.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThis means if you have $25,000 in credit card debt to enroll, you\u0026#8217;re looking at paying $3,750 to $6,250 in fees. This payment will come out of your Dedicated Account.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"accredited-debt-relief\"\u003eBest for customized options: Accredited \u003cstrong\u003eDebt Relief\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eHeadquarters San Diego, California, Accredited Debt Relief has been providing debt relief services to clients since 2011. Since then, the company has helped serve over $1 billion in debt to its 300,000 clients. Like other debt relief companies, Accredited Debt Relief offers a free initial consultation to review the client’s debt circumstances and craft a relief program.\u003c/p\u003e\n\n\n\n\u003cp\u003eAccredited Debt Relief can assist with debts from credit card, personal loans, department store credit, and medical. They cannot support with auto loan or mortgage related debts.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"accredited-debt-relief\" class=\"card-title\"\u003eAccredited Debt Relief\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eCost\u003c/td\u003e\r\n\u003ctd\u003e25% of enrolled debt\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAvg. time to settle debt\u003c/td\u003e\r\n\u003ctd\u003e24-48 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAccreditations\u003c/td\u003e\r\n\u003ctd\u003eAFCC, CDRI\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Accredited_Debt_Relief_Logo.png\"\u003e\u003c/div\u003e\r\n\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/r9e9e2b2e639?s1=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Accredited Debt Relief\u003c/p\u003e\r\n\u003c/div\u003e \r\n\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\"checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eConsumer Ratings\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eBBB Customer Reviews\u003c/strong\u003e – 4.87 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eTrustPilot ratings\u003c/strong\u003e – 4.9 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eGoogle ratings\u003c/strong\u003e – 4.8 out of 5\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eConsumer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nAccredited Debt Relief shares a toll-free phone number on its wbesite that you can dial to speak direction with a debt consolidation specialist. \r\n\u003c/div\u003e\r\n \u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/r9e9e2b2e639?s1=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Accredited Debt Relief\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like Accredited Debt Relief for best customized options\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eAccredited Debt Relief is one of our top debt relief picks because of its almost-perfect Trustpilot score and great scores across BBB and Google. The company says its clients typically become debt-free between two and four years. Aside from negotiating with your creditors, Accredited Debt Relief also supports loan consolidation offered by its affiliates as another debt solution option.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAccredited Debt Relief also expands its reach by providing a client education program. This gives clients tools and resources to understand their finances better and make debt management decisions that are well-informed. Clients can see all of their progress at a glance from their personalized dashboard.\u003c/p\u003e\n\n\n\n\u003cp\u003eSee our full review on \u003ca href=\"https://fortune.com/recommends/loans/accredited-debt-relief-review/\" data-type=\"link\" data-id=\"https://fortune.com/recommends/loans/accredited-debt-relief-review/\"\u003eAccredited Debt Relief\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAccredited Debt Relief’s services\u003c/summary\u003e\n\u003cp\u003eFor clients grappling with mounting debt, Accredited Debt Relief provides several solutions. These include:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eDebt consolidation\u003c/li\u003e\n\n\n\n\u003cli\u003eDebt settlement\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit counseling\u003c/li\u003e\n\n\n\n\u003cli\u003ePersonal finance management education\u003c/li\u003e\n\n\n\n\u003cli\u003eBankruptcy counseling\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eAccredited Debt Relief’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eYou pay nothing upfront\u003c/li\u003e\n\u003cli\u003eOver $1 billion in debt settled\u003c/li\u003e\n\u003cli\u003eA+ BBB rating\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNot available in all states\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou could still be subject to lawsuits and collections by creditors\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eIts fees are high\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eAccredited Debt Relief fees\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhen you consolidate your debt with Accredited Debt Relief, they\u0026#8217;re connecting you with its affiliates whose loans\u0026#8217; annual percentage rates (APR) range from 4.9% to 35.99%. In addition to the APR, you\u0026#8217;re paying an origination fee of 1% to 6%. Your fee is then 25% and is based on the success of the loan.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAccording to Accredited Debt Relief, clients pay an average of 55% on their enrolled debt before fees are taken into consideration. When you add the fees on top of it, its savings aren’t as great.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"money-management-international\"\u003eBest overall: Money Management International\u003c/h3\u003e\n\n\n\n\u003cp\u003eHeadquartered in Stafford, Texas, Money Management International (MMI) was rebranded in 2003, but the nonprofit debt and credit counseling organization has been around under different names since 1958. MMI has a stellar track record of counseling over 2.5 million people and repaying $10 billion in debt. In 2022 alone, MMI serviced over 46,000 debt management plans for their clients, which resulted in almost $193,000,000 worth of debt repayments. Its success is evident with their consumer reviews with an A+ BBB rating and 4.6 out of five stars with TrustPilot.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"money-management-international\" class=\"card-title\"\u003eMoney Management International\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eCost\u003c/td\u003e\r\n\u003ctd\u003eOn average, $33 set-up fee and a $25 monthly fee\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAvg. time to settle debt\u003c/td\u003e\r\n\u003ctd\u003e12-60 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAccreditations\u003c/td\u003e\r\n\u003ctd\u003eFCAA, NFCC\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003ca href=\"https://www.moneymanagement.org/credit-counseling?sc_camp=5C16B5D9C7F0401ABBC0471F95F7A51A\u0026#038;fortune_id=3785852\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3848225 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Money-Management-International.png?w=300\" alt=\"\" width=\"300\" height=\"189\" /\u003e\u003c/div\u003e \r\n\r\n\r\n\r\n\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://www.moneymanagement.org/credit-counseling?sc_camp=5C16B5D9C7F0401ABBC0471F95F7A51A\u0026#038;fortune_id=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\u003cp class=\"cta-caption\"\u003eat Money Management International\u003c/p\u003e \u003c/div\u003e \r\n\r\n\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\r\n\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\"name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eConsumer Ratings\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eBBB Customer Reviews\u003c/strong\u003e – 4.9 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eTrustPilot ratings\u003c/strong\u003e – 4.6 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eGoogle ratings\u003c/strong\u003e – 4.9 out of 5\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eConsumer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nMMI has a number of contact forms on its website to reach them based on topics including new debt management plan, housing counseling, bankruptcy counseling, and financial wellness programs. You can also reach them by phone. \r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.moneymanagement.org/credit-counseling?sc_camp=5C16B5D9C7F0401ABBC0471F95F7A51A\u0026#038;fortune_id=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e \r\n\r\n\u003cp class=\"cta-caption\"\u003eat Money Management International\u003c/p\u003e \r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like MMI for best overall debt relief company\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eMMI’s track record of success, glowing consumer reviews, and longstanding reputation combine to make it our top choice for debt relief companies. There’s a lot to consider with debt solutions, especially how it will impact your credit score negatively. MMI is a full-service organization that also supports credit repair solutions as well, making it more appealing for those thinking about the complete cycle needed to achieve financial flexibility.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBest of all? It\u0026#8217;s a nonprofit. This means MMI prioritizes clients\u0026#8217; financial health over profits. It aims to help clients achieve long-term financial stability, rather than focusing on increasing its own bottom line. This puts it in a class of its own as many debt relief companies are for profit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSee our full review on \u003ca href=\"https://fortune.com/recommends/loans/money-management-international-review/\"\u003eMoney Management International\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMMI’s services\u003c/summary\u003e\n\u003cp\u003eWith a variety of services designed to help clients get out of debt, manage their housing, and afford homes, MMI does what few debt relief companies can. It focuses on making solutions affordable to clients. These include:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eDebt management plans\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit counseling\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit report review\u003c/li\u003e\n\n\n\n\u003cli\u003eForeclosure prevention counseling\u003c/li\u003e\n\n\n\n\u003cli\u003eEviction prevention counseling\u003c/li\u003e\n\n\n\n\u003cli\u003eHomebuyer counseling\u003c/li\u003e\n\n\n\n\u003cli\u003eReverse mortgage counseling\u003c/li\u003e\n\n\n\n\u003cli\u003eBankruptcy counseling and education\u003c/li\u003e\n\n\n\n\u003cli\u003eStudent loan counseling\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eMMI’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNonprofit\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eAvailable 24/7\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eClients see a credit score increase of 85 points four years after starting\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eOver $10 billion in debt repaid\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eWhile available via phone 24/7, its physical locations aren\u0026#8217;t in every state\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eTemporary decrease in credit score as your credit accounts are closed\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNot all creditors will participate\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eMMI’s fees\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhen you sign up for a MMI debt management plan, you’ll pay a setup fee as well as a monthly fee. Both your monthly fee and your set-up fee depend on the amount of debt you’re repaying and your location. Per MMI, clients pay an average of $25 per month and $33 in setup fees.\u003c/p\u003e\n\n\n\n\u003cp\u003eAnother great thing about MMI is it caps the amount you\u0026#8217;ll pay. You will never pay more than $75 to set up your debt management plan, and you won\u0026#8217;t ever spend more than $59 per month in fees, no matter the amount of your debt in repayment or location.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"americor-debt-relief\"\u003eBest for all unsecured debt types: Americor Debt Relief\u003c/h3\u003e\n\n\n\n\u003cp\u003eHeadquartered Irvine, California, Americor Debt Relief has been serving clients in need of debt solutions since 2008. The company states it has negotiated thousands of settlements on behalf of over 200,000 clients, and helped them clear $2 billion in debt. On average, Americor reduces their clients’ total debt by 37%,\u003c/p\u003e\n\n\n\n\u003cp\u003eLike many of the debt relief companies, the process starts with free consultation, and per Federal Trade Commission (FTC) regulations, they do not take any upfront fees. Clients will pay a percentage of the total debt enrolled, though it varies by state.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"americor-debt-relief\" class=\"card-title\"\u003eAmericor Debt Relief\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eCost\u003c/td\u003e\r\n\u003ctd\u003ePercentage of the total debt enrolled varies by state\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAvg. time to settle debt\u003c/td\u003e\r\n\u003ctd\u003e24-48 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAccreditations\u003c/td\u003e\r\n\u003ctd\u003eAADR\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Americor_Debt_Relief_Logo.png\"\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/f44bc0ecd22d?s1=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Americor Debt Relief\u003c/p\u003e\r\n\u003c/div\u003e \r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eConsumer Ratings\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eBBB Customer Reviews\u003c/strong\u003e – 4.66 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eTrustPilot ratings\u003c/strong\u003e – 4.9 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eGoogle ratings\u003c/strong\u003e – 4.8 out of 5\u003c/li\u003e\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eConsumer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nAmericor Debt Relief is available via email, or seven days a week over the phone. New clients can reach the debt relief company Monday through Friday between 6:00am and 7:00pm, or weekends between 8:00am and 4:00pm PST. Existing clients can reach Americor Debt Relief by phone on weekdays between 5:00am and 6:00pm, or weekends between 5:00am and 4:00pm PST. \r\n\u003c/div\u003e\r\n \u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/f44bc0ecd22d?s1=3785852\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Americor Debt Relief\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like Americor Debt Relief for unsecured debt types\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eAmericor Debt Relief is one of our top picks for debt relief because of its success rate of relieving over $2 billion in debt for its clients. It also has a glowing Trustpilot rating and, more importantly, supports debt relief for several debt types, including credit card debt, payday loans, medical debt, private student loans, personal loans, and personal business debts. Additionally, Americor can help with auto repossessions, mortgages, and tax debts.\u003c/p\u003e\n\n\n\n\u003cp\u003eThe company recently \u003ca href=\"https://americor.com/press-room/americor-announces-close-of-127-5-million-a-rated-personal-loan-securitization/\"\u003eannounced\u003c/a\u003e the launch of a personal loan option to help its clients with debt consolidation with a fixed rate of 24.99%, which can be a good solution for anyone with high-interest credit card debts.\u003c/p\u003e\n\n\n\n\u003cp\u003eIn addition to connecting with an entire network of creditor partners, Americor sets its clients up for success by offering financial literacy resources. This helps clients budget properly and make better decisions.\u003c/p\u003e\n\n\n\n\u003cp\u003eSee our \u003ca href=\"https://fortune.com/recommends/loans/americor-debt-relief-review/\"\u003efull Americor Debt Relief review\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAmericor Debt Relief’s services\u003c/summary\u003e\n\u003cp\u003eTo help clients overcome financial struggles, Americor offers a variety of services. These include:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eDebt settlement\u003c/li\u003e\n\n\n\n\u003cli\u003eDebt consolidation\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit counseling\u003c/li\u003e\n\n\n\n\u003cli\u003eFinancial education\u003c/li\u003e\n\n\n\n\u003cli\u003ePersonalized financial assistance\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eAmericor’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eCharges no upfront fees \u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eOffers interactive tools for tracking debt settlement progress\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eProvides financial education to prevent future debt issues\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eInitial impact on credit score can be significant due to the nature of debt settlement\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eFees are high\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eSuccess of negotiations varies based on creditor policies and the client’s financial stability\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eAmericor Debt Relief’s fees\u003c/h4\u003e\n\n\n\n\u003cp\u003eYour fees depend on the amount of debt you\u0026#8217;re enrolling in the Americor program. This is based on a percentage of the debt enrolled and varies from 14% to 29%. For a debt settlement offer to be made to creditors, you must save a minimum of 25% of each debt. This amount is then used to offer up in settlement to the creditor.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"pacificdebtrelief\"\u003eBest for customer support: Pacific Debt Relief\u003c/h3\u003e\n\n\n\n\u003cp\u003eHeadquartered in San Diego, California, Pacific Debt Relief is available in 30 states, and has partnerships with debt relief companies in the states it doesn’t serve. In operation since 2002, Pacific Debt Relief has built an expectation of trust. Like the others on this list, Pacific Debt Relief has an A+ rating with BBB, which is the highest a company can have. Its customer service is available Monday through Thursday from 6 a.m. to 7 p.m. PST, Friday from 6 a.m. to 4:30 p.m., and Saturday from 7:30 a.m. to 4:30 p.m.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"pacific-debt-relief\" class=\"card-title\"\u003e\u003ca href=\"https://secure.money.com/pr/v9b7a9134571?s1=3785852\" rel=\"nofollow noopener noreferrer\"\u003ePacific Debt Relief\u003c/a\u003e\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eCost\u003c/td\u003e\r\n\u003ctd\u003e15-25% of enrolled debt based on debt amount and state of registration\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAvg. time to settle debt\u003c/td\u003e\r\n\u003ctd\u003e24-48 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAccreditations\u003c/td\u003e\r\n\u003ctd\u003eCDRI, IAPDA\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Pacific_Debt_Relief_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/v9b7a9134571?s1=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Pacific Debt Relief\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eConsumer Ratings\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eBBB Customer Reviews\u003c/strong\u003e – 4.93 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eTrustPilot ratings\u003c/strong\u003e – 4.8 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eGoogle ratings\u003c/strong\u003e – 4.6 out of 5\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eConsumer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nPacific Debt Relief can be reached by phone, fax, or email. The California-based debt relief company also has a form on its website to fill out as another method to contact the company.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/v9b7a9134571?s1=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Pacific Debt Relief\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like Pacific Debt Relief for customer support\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eGood for those who prioritize customer service. Of the 1,456 Pacific Debt Relief reviews on Trustpilot, 84% were 5-star reviews, and 11% were 4 stars. The vast majority of reviews praise its customer service, and that\u0026#8217;s something we like to see. Being burdened with debt is one of the most stressful situations one can face, and having a friendly voice on the other line to hold your hand and walk you through the process is sometimes all you need to see a light at the end of the tunnel and know that you’re not in this alone.\u003c/p\u003e\n\n\n\n\u003cp\u003eWith new technology designed to make it easier for clients to communicate with the Pacific Debt Relief team, case management is made even smoother through better efficiencies. Plus, its team receives regular training on the best practices and negotiation tactics for creditors.\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more in our full \u003ca href=\"https://fortune.com/recommends/loans/pacific-debt-relief-review/\"\u003ePacific Debt Relief\u003c/a\u003e review.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003ePacific Debt Relief’s services\u003c/summary\u003e\n\u003cp\u003ePacific Debt Relief provides a range of services for its clients. These include:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eDebt settlement\u003c/li\u003e\n\n\n\n\u003cli\u003ePersonalized financial consultation\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit counseling\u003c/li\u003e\n\n\n\n\u003cli\u003eFinancial education resources\u003c/li\u003e\n\n\n\n\u003cli\u003eProgram for managing and reducing unsecured debts\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003ePacific Debt Relief’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou’ll receive communication from your account manager every few weeks\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo upfront fees\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eA+ BBB rated\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNot available in all states\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003ePotential negative impact on credit score during program\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eMust have over $10,000 in unsecured debt to qualify\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003ePacific Debt Relief’s fees\u003c/h4\u003e\n\n\n\n\u003cp\u003eWith Pacific Debt Relief, you\u0026#8217;ll pay no fees upfront. These fees range from 15% to 25%, depending on your location and the amount of debt you have.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"century-support-services\"\u003eBest in availability: Century Support Services\u003c/h3\u003e\n\n\n\n\u003cp\u003eHeadquartered in North Huntingdon, Pennsylvania, Century Support Services has been servicing clients in need of debt solutions since 2003. Since its inception, the company has helped over 259,000 clients settling a total of more than $1.7 billion in debts.\u003c/p\u003e\n\n\n\n\u003cp\u003eLike other debt relief companies, Century Support Services’ process starts with a free consultation and clients only get charged after based on the amount of debt enrolled. Clients who make all their monthly program payments on time will pay on average 50% of their enrolled balance in addition to the fees Century Support Services collects, which is 25% of the enrolled debt.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"century-support-services\" class=\"card-title\"\u003eCentury Support Services\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eCost\u003c/td\u003e\r\n\u003ctd\u003e25% of enrolled debt\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAvg. time to settle debt\u003c/td\u003e\r\n\u003ctd\u003e24-48 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAccreditations\u003c/td\u003e\r\n\u003ctd\u003eIAPDA, AADR\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Century_Debt_Relief_Logo.png\"\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://apply.centuryss.com/?wf=1\u0026#038;fid=vbl9n1\u0026#038;cid=cp265\u0026#038;pid=mp349\u0026#038;sub1=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Century Support Services\u003c/p\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\"name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eConsumer Ratings\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eBBB Customer Reviews\u003c/strong\u003e – 3.7 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eTrustPilot ratings\u003c/strong\u003e – 4.9 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eGoogle ratings\u003c/strong\u003e – 4.5 out of 5\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eConsumer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nCentury Support Services can be reached by phone, fax, or email. The Pennsylvania-based company’s hours of operations are weekdays between 9:00am and 8:00pm EST. Century Support Services also has a live chat feature on its website.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://apply.centuryss.com/?wf=1\u0026#038;fid=vbl9n1\u0026#038;cid=cp265\u0026#038;pid=mp349\u0026#038;sub1=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n \u003cp class=\"cta-caption\"\u003eat Century Support Services\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like Century Support Services\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eCentury Support Services is one of our top debt relief picks because of 20 years of success in reducing debts for over 259,000 clients. It has an A+ BBB rating and a strong Trustpilot rating, which are indications of positive customer feedback. While Century Support Services’ 25% rate is standard, many of the competitors do charge a lower rate based on certain circumstances or vary by state.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eCentury Support Services helps tackle high-interest credit card debt and works to negotiate lower interest rates. It also works to reduce principal balances, which will reduce the overall debt repayment period.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSee our \u003ca href=\"https://fortune.com/recommends/loans/century-support-services-review/\"\u003efull review of Century Support Services\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eCentury Support Services’s services\u003c/summary\u003e\n\u003cp\u003eCentury Support Services is much like a tailor, in that it offers a variety of solutions for its customers based on their financial needs. These include:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eFree initial debt assessment\u003c/li\u003e\n\n\n\n\u003cli\u003ePersonalized debt settlement programs\u003c/li\u003e\n\n\n\n\u003cli\u003eDebt negotiation\u003c/li\u003e\n\n\n\n\u003cli\u003e24/7 online account management\u003c/li\u003e\n\n\n\n\u003cli\u003eCustomer support and client advocacy\u003c/li\u003e\n\n\n\n\u003cli\u003eEducational resources for financial management\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eCentury Support Services’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eOver $2 billion in settled debts\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo fees charged until debt settlement is successfully negotiated\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eA+ BBB rating\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNot available in all states\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eFees are high\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eSome clients may not complete the program due to the stringent saving requirements\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eCentury Support Services’s fees\u003c/h4\u003e\n\n\n\n\u003cp\u003eFees vary from state to state, and Century Support Services doesn\u0026#8217;t detail these. However, its fees are significant—it claims clients realize savings of approximately 43% but that\u0026#8217;s before fees. The amount saved after fees is 16%, factored over 24 to 48 months. This only counts those who stay in the program and settle all their debt.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"neweradebtsolutions\"\u003eBest in customer satisfaction: New Era Debt Solutions\u0026nbsp;\u003c/h3\u003e\n\n\n\n\u003cp\u003eHeadquartered in Camarillo, California, New Era Debt Solutions works to alleviate debt for clients located in 20 states, and an additional 27 states through Consumer First Legal Network (CFLN). It does not serve clients in Iowa, Maine, or Oregon.\u003c/p\u003e\n\n\n\n\u003cp\u003eSince its inception, New Era has negotiated $275 million in debt relief. It reports an average reduction of 42.87% off the account balances at the time of settlement.\u003cbr\u003eSince 1999, New Era Debt Solutions has worked to negotiate settlements for clients in a variety of hardships.\u003c/p\u003e\n\n\n\n\u003cp\u003eA BBB rating of A+ is the highest a company can score on its letter scale. Points are assigned based on factors such as complaint resolution, time in business, complaint volume, and business practices.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"new-era-debt-solutions\" class=\"card-title\"\u003eNew Era Debt Solutions\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eCost\u003c/td\u003e\r\n\u003ctd\u003eNot disclosed\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAvg. time to settle debt\u003c/td\u003e\r\n\u003ctd\u003e12-36 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAccreditations\u003c/td\u003e\r\n\u003ctd\u003eIAPDA\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_NewEra_Debt_Solutions_Logo.png\"\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/mdcffb094d4c?s1=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat New Era Debt Solutions\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\r\n\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\"name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eConsumer Ratings\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eBBB Customer Reviews\u003c/strong\u003e – 4.93 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eTrustPilot ratings\u003c/strong\u003e – 5 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eGoogle ratings\u003c/strong\u003e – 4.9 out of 5\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eConsumer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nNew Era has debt specialists available Monday through Saturday from 7:00am to 8:00pm PST and after hours by appointment. If you’re a current client, customer service is available Monday through Friday from 8:00am to 5:00pm PST.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/mdcffb094d4c?s1=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e \r\n\u003cp class=\"cta-caption\"\u003eat New Era Debt Solutions\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like New Era Debt Solutions\u003c/strong\u003e\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eGood for those seeking relief and an effective path out of debt. New Era Debt Solutions doesn\u0026#8217;t sugarcoat the process and provides the facts that other debt relief companies trying to earn your business might shy away from. It has an entire page dedicated to these hard truths, detailing its average settlement amounts, reasons why people have left the program before completion, and the average length of time it takes someone to complete its program. This transparency allows potential clients to make informed decisions and goes a long way in building trust and credibility.\u0026nbsp;\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWith an entire team of debt specialists to help with the settlement process, it can tailor the strategy to each financial situation. It also partners with Consumer First Legal Network, which extends its reach further, allowing for legal insight when necessary.\u003c/p\u003e\n\n\n\n\u003cp\u003eSee our full review on \u003ca href=\"https://fortune.com/recommends/loans/new-era-debt-solutions-review/\"\u003eNew Era Debt Solutions\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eNew Era Debt Solutions services\u003c/summary\u003e\n\u003cp\u003eNew Era Debt Solutions aims to help clients reduce the stress of overwhelming debt. It does this through the following services:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eDebt settlement\u003c/li\u003e\n\n\n\n\u003cli\u003eCustomized financial analysis\u003c/li\u003e\n\n\n\n\u003cli\u003eCreditor negotiation\u003c/li\u003e\n\n\n\n\u003cli\u003eFinancial education and resources\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eNew Era Debt Solutions pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003ePersonalized debt relief programs\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo upfront fees for services\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eA+ BBB rating\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eUnavailable in every state\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eCredit score is likely to decline\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eIts rates aren’t transparent\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eNew Era Debt Solutions fees\u003c/h4\u003e\n\n\n\n\u003cp\u003eNew Era Debt Solutions does not provide the details of its fees. It states that this depends on your location, the amount of debt, and the amount you can set aside to settle. You won’t pay any maintenance fees, and no fees are due until the debt is settled.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"freedomdebtrelief\"\u003eBest for interactive engagement: Freedom Debt Relief\u0026nbsp;\u003c/h3\u003e\n\n\n\n\u003cp\u003eHeadquartered in San Mateo, California, Freedom Debt Relief works with clients all over the country to get relief from their unsecured debts, such as credit cards and medical bills.\u003c/p\u003e\n\n\n\n\u003cp\u003eFreedom Debt Relief has served over 850,000 clients, the most out of every company on our list, and has settled more than four million accounts.\u003c/p\u003e\n\n\n\n\u003cp\u003eFreedom Debt Relief has settled over $18 billion in debt, the most out of all the debt relief companies on our list.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n \u003cdiv class=\"card-area-1\"\u003e\r\n \u003ch3 id=\"freedom-debt-relief\" class=\"card-title\"\u003e\u003ca href=\"https://secure.money.com/pr/d3a0b5154c2c?s1=3785852\" rel=\"nofollow noopener noreferrer\"\u003eFreedom Debt Relief\u003c/a\u003e\u003c/h3\u003e\r\n \u003csection class=\"card-description\"\u003e\r\n \u003ctable\u003e\r\n \u003ctbody\u003e\r\n \u003ctr\u003e\r\n \u003ctd\u003eCost\u003c/td\u003e\r\n \u003ctd\u003e15-25% of enrolled debt\u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr\u003e\r\n \u003ctd\u003eAvg. time to settle debt\u003c/td\u003e\r\n \u003ctd\u003e24-48 months\u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr\u003e\r\n \u003ctd\u003eAccreditations\u003c/td\u003e\r\n \u003ctd\u003eIAPDA, AADR\u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003c/tbody\u003e\r\n \u003c/table\u003e\r\n \u003c/section\u003e\r\n \u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Freedom_Debt_Relief_Logo_444ad9.png\"\u003e\u003c/div\u003e\r\n \u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/d3a0b5154c2c?s1=3785852\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Freedom Debt Relief\u003c/p\u003e\r\n \u003c/div\u003e\r\n \u003cdiv class=\"card-area-4\"\u003e\r\n \u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n \r\n \u003c!-- pannel 1 --\u003e\r\n \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\"name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eConsumer Ratings\u003c/label\u003e\r\n \u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \r\n\r\n \u003cli\u003e\u003cstrong\u003eBBB Customer Reviews\u003c/strong\u003e – 4.63 out of 5\u003c/li\u003e\r\n \u003cli\u003e\u003cstrong\u003eTrustPilot ratings\u003c/strong\u003e – 4.6 out of 5\u003c/li\u003e\r\n \r\n \u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eConsumer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nFreedom Debt Relief has debt specialists available Monday through Friday from 8:00am to 11:00pm EST, and weekends from 9:00am to 9:00pm EST. Customer service for current clients can be reached Monday through Thursday from 8:00am to 9:00pm EST, Friday from 8:00am to 8:00pm EST, and weekends from 10:00am to 8:00pm EST.\r\n\u003c/div\u003e\r\n \u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/d3a0b5154c2c?s1=3785852\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Freedom Debt Relief\u003c/p\u003e\r\n \u003c/section\u003e\r\n \u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like Freedom Debt Relief\u003c/strong\u003e\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eGood for those who want an interactive dashboard that keeps you updated on the progress of your debt relief situation. Every time a new settlement offer comes in, you’re notified via phone and through your interactive dashboard. From there, you can select whether to accept it or not. This is particularly helpful for those with busy lives who don’t always have time to hop on a phone call.\u003c/p\u003e\n\n\n\n\u003cp\u003eThey\u0026#8217;ve negotiated over $15 billion in debt as the largest debt relief provider in the U.S. The process starts with an in-depth consultation with specialists. It will then tailor strategies for every financial goal the client has.\u003c/p\u003e\n\n\n\n\u003cp\u003eSee our \u003ca href=\"https://fortune.com/recommends/loans/freedom-debt-relief-review/\"\u003efull review of Freedom Debt Relief\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eFreedom Debt Relief’s services\u003c/summary\u003e\n\u003cp\u003eServices offered by Freedom Debt Relief include the following:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003ePersonalized debt analysis\u003c/li\u003e\n\n\n\n\u003cli\u003eCustom debt negotiation plans\u003c/li\u003e\n\n\n\n\u003cli\u003eOnline client dashboard for real-time updates\u003c/li\u003e\n\n\n\n\u003cli\u003eComprehensive creditor negotiations\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eFreedom Debt Relief’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eInteractive client dashboard for monitoring settlement progress\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo upfront fees charged\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eMore than $15 billion in settled debt\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eServices not available in all states\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eSettlements can significantly impact credit scores negatively\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eThe process can take up to 48 months\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eFreedom Debt Relief’s fees\u003c/h4\u003e\n\n\n\n\u003cp\u003eYou won\u0026#8217;t pay any upfront fees with Freedom Debt Relief. Instead, you\u0026#8217;ll pay 15%-25% of the debt enrolled. However, this rate can vary by state and the amount you enroll. The fee is charged only after you approve of the settlement offer and a payment has been made to the creditor.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003eDebt Relief Company\u003c/th\u003e\u003cth\u003eDebt management plans\u003c/th\u003e\u003cth\u003eDebt settlement services\u003c/th\u003e\u003cth\u003eSee details\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cmark style=\"background-color: rgba(0, 0, 0, 0);\" class=\"has-inline-color has-vivid-green-cyan-color\"\u003eFeatured partner\u003c/mark\u003e\u003cbr\u003e\u003cstrong\u003eNational Debt Relief\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://www.ndrtracking.com/aff_c?offer_id=75\u0026amp;aff_id=2344\u0026amp;url_id=731\u0026amp;aff_sub=3785852\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat National Debt Relief\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eMoney Management International\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://www.moneymanagement.org/credit-counseling?sc_camp=5C16B5D9C7F0401ABBC0471F95F7A51A\u0026amp;fortune_id=3785852\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MMI\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAccredited Debt Relief\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/r9e9e2b2e639?s1=3785852\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Accredited Debt Relief\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAmericor Debt Relief\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/f44bc0ecd22d?s1=3785852\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Americor\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003ePacific Debt Relief\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/v9b7a9134571?s1=3785852\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Pacific Debt Relief\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eCentury Support Services\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://apply.centuryss.com?wf=1\u0026amp;fid=vbl9n1\u0026amp;cid=cp265\u0026amp;pid=mp349\u0026amp;sub1=3785852\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Century Support Services\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eNew Era Debt Solutions\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/mdcffb094d4c?s1=3785852\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat New Era Debt Solutions\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eFreedom Debt Relief\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/d3a0b5154c2c?s1=3785852\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Freedom Debt Relief\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eDig in\u003c/h3\u003e\n\n\n\n\u003cp\u003e\u003ca href=\"https://fortune.com/recommends/loans/tips-to-reduce-debt/\" data-type=\"link\" data-id=\"https://fortune.com/recommends/loans/tips-to-reduce-debt/\"\u003e7 proven ways to reduce—or even eliminate—your debt\u003c/a\u003e\u003cbr\u003e\u003ca href=\"https://fortune.com/recommends/loans/debt-settlement-vs-debt-consolidation-vs-debt-management-plans/\" data-type=\"link\" data-id=\"https://fortune.com/recommends/loans/debt-settlement-vs-debt-consolidation-vs-debt-management-plans/\"\u003eDebt settlement vs. debt consolidation vs. debt management plans: Which is right for you?\u003c/a\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"what-to-know\"\u003e\u003cstrong\u003eWhat to know about debt relief companies\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe first thing you should know about debt relief companies is that not all types of debt can be negotiated. Anything backed by the federal government or by collateral is ineligible for relief. This includes federal student loans, mortgages, and auto loans. Some private student loans may be eligible, depending on the debt relief company and your circumstances.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eMost debt relief companies require you to be facing some kind of financial hardship, such as a divorce or layoff, before they’ll consider taking you on as a client.\u0026nbsp;\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile you’ll get out of debt, know that your credit score will likely tank in the immediate term. This is because, to negotiate with creditors, the money you’d typically put toward your debt will go into an FDIC-insured trust account to accumulate. This means missed payments and you’ll continue to receive collection calls. After all, why would a creditor negotiate if you’re already making on-time payments?\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAdditionally, you don’t need a debt relief company to settle with creditors. There are plenty of online resources to do it yourself, but if you’re not confident in your negotiation skills, having an expert do it for you can save you time, money, and stress. After all, you don’t want to agree to unfavorable terms or misunderstand any of the legalities of your agreements.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tips\u003c/h3\u003e\n\n\n\n\u003cp\u003eEven credit experts make financial mistakes sometimes—a fact I’m not afraid to admit. In the past, I’ve struggled with credit card debt. But I was able to use a balance transfer credit card to consolidate my balances and pay them down over time. Still, if you’re considering this option you should consider the \u003ca href=\"https://fortune.com/recommends/credit-cards/6-reasons-to-do-a-credit-card-balance-transfer-and-5-reasons-not-to/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003epros and cons of a balance transfer\u003c/a\u003e before you apply for a new account. \u003cem\u003e\u003ca href=\"https://fortune.com/author/michelle-lambright-black/\" data-type=\"link\" data-id=\"https://fortune.com/author/michelle-lambright-black/\"\u003eMichelle Lambright Black, Fortune Recommends contributor and credit expert\u003c/a\u003e\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"Debt-relief-vs-debt-settlement\"\u003e\u003cstrong\u003eDebt relief vs. debt settlement\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eThink of debt relief as an umbrella term that includes several strategies for getting out of debt—debt settlement included. Other debt relief strategies include credit counseling, debt consolidation, and more. The overall goal is to reduce the financial stress involved with carrying a heavy debt load by reducing interest rates, consolidating multiple debts, negotiating for lower payments, or a combination of strategies.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eDebt settlement is a specific type of debt relief that aims to negotiate with creditors to reduce the amount owed, usually for a lump-sum payment, which is often done with a third party. The most common type of debt for debt settlement is credit card debt, although other types of unsecured debt, such as medical bills, personal loans, and private student loans, can also be negotiated in some cases.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eYou won\u0026#8217;t find debt settlement options for anything that’s secured, such as a mortgage or a vehicle loan, because these are backed by collateral—if the consumer defaults, the lender collects the collateral in return and has no reason to negotiate a debt.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003eKey features\u003c/th\u003e\u003cth\u003eDebt relief\u003c/th\u003e\u003cth\u003eDebt settlement\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eReduces total debt\u003c/td\u003e\u003ctd\u003eSometimes\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eLowers interest rates\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eConsolidates debts into one payment\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eNegative impact on credit score\u003c/td\u003e\u003ctd\u003eSometimes\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAvailable for secured debts, such as mortgage and car loan\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eInvolves negotiating with creditors\u003c/td\u003e\u003ctd\u003eSometimes\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eRequires upfront fees\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eLength of time to complete (average)\u003c/td\u003e\u003ctd\u003e12-60 months\u003c/td\u003e\u003ctd\u003e24-48 months\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCredit counseling and education included\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCan be done without third-party assistance\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-to-choose\"\u003e\u003cstrong\u003eHow to choose a debt relief company\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eChoosing a debt relief company should be done with care because the last thing you want is to end up in a worse situation than you’re in now. Here are some questions to ask potential debt relief companies:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eIs it accredited by any industry organizations?\u003c/li\u003e\n\n\n\n\u003cli\u003eDoes it publish its success rate? How about its failure rate?\u003c/li\u003e\n\n\n\n\u003cli\u003eWhat are its fees?\u003c/li\u003e\n\n\n\n\u003cli\u003eHow long is the program?\u003c/li\u003e\n\n\n\n\u003cli\u003eHow are you notified of settlement progress?\u003c/li\u003e\n\n\n\n\u003cli\u003eDoes it have an in-house or external legal team?\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWatch out for debt relief scammers\u003c/h3\u003e\n\n\n\n\u003cp\u003eThe unfortunate truth about the debt relief and \u003ca href=\"https://fortune.com/recommends/loans/best-credit-repair-companies/\" data-type=\"link\" data-id=\"https://fortune.com/recommends/loans/best-credit-repair-companies/\"\u003ecredit repair\u003c/a\u003e industries is that scammers are ready to pounce on the vulnerable. They prey on those who are looking for easy out from insurmountable debt by promising unrealistic results. Be wary of any companies charging money upfront (the FTC doesn’t allow this), making promises that your credit score won’t go down (if you’re settling, it will), and offering to settle for pennies on the dollar (it can’t). Some of these scammers will use automated robocalls to proactively reach people in debt.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eProtect yourself from scammers by confirming the agency you are speaking with is accredited and has a track record of success. You should do independent research on sites, such as Trustpilot and BBB. Search its name and website and check for negative customer reviews and any lawsuits. Any legitimate debt relief company cannot make you pay a fee upfront or promise to stop all debt collectors from calling. Lastly, if what they are promising appears to be too good to be true, then it probably is.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003eI found that many people mistakenly placed their faith in debt settlement, debt relief services and credit repair services. Just because one of these companies has the word \u0026#8220;law\u0026#8221; or \u0026#8220;legal\u0026#8221; in their name, like Lexington Law, doesn\u0026#8217;t mean they have lawyers working for you, and there\u0026#8217;s still a good chance you\u0026#8217;ll get scammed. \u003cem\u003e\u003ca href=\"https://fortune.com/author/sarah-brady/\" data-type=\"link\" data-id=\"https://fortune.com/author/sarah-brady/\"\u003eSarah Brady, Fortune Recommends contributor and former credit counselor.\u003c/a\u003e\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"alternatives\"\u003eAlternatives to debt relief companies\u003c/h2\u003e\n\n\n\n\u003cp\u003eThere are many alternative options before resorting to a debt relief company. Some of these include:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/loans/how-to-consolidate-debt-with-personal-loan/\"\u003eDebt consolidation\u003c/a\u003e:\u003c/strong\u003e Debt consolidation is when you combine multiple debts, like high-interest credit card debt, into a single loan, usually with a lower interest rate. This is ideal for those who are making multiple payments to various creditors each month and want to simplify things. If they can offer a lower interest rate on the consolidation, it\u0026#8217;ll save you money too. Debt consolidation is done via a personal loan, home equity loan, or balance transfer credit card, depending on your credit score.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eDebt management:\u003c/strong\u003e\u0026nbsp;A debt management plan (DMP) is usually offered through credit counseling agencies. They aim to lower your interest rate so you can repay your entire debt in full over time. They work with creditors to create a payoff plan and often negotiate for lower interest rates and no late fees. This way, you\u0026#8217;re making consistent, on-time payments without financial strain.\u003c/li\u003e\n\n\n\n\u003cli\u003eNegotiate with creditors yourself: If you want to avoid the cost of having a third party negotiate with creditors, you can do so yourself. Some creditors may be willing to lower your interest rate, waive fees, extend payment terms, or reduce your total balance owed if you can provide proof of financial hardship.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/loans/best-personal-loans/\"\u003ePersonal loan\u003c/a\u003e:\u003c/strong\u003e To get a personal loan to pay off debt, you usually need a decent credit score, which isn\u0026#8217;t easy to obtain if you are already struggling with debt. This will let you consolidate your debt into one loan with, hopefully, a lower interest rate.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/mortgages/use-home-equity-loan-to-consolidate-debt/\"\u003eHome equity loans\u003c/a\u003e or lines of credit (HELOC):\u003c/strong\u003e If you\u0026#8217;re a homeowner, tapping into your home equity through a home equity loan or HELOC can help to pay off debt. Most HELOCs have lower interest rates than credit cards, so you can pay off debt quicker. This is a risky strategy, though, because if you fail to make your HELOC payments, you could lose your home.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBalance transfer credit cards:\u003c/strong\u003e With a balance transfer credit card, you usually get an introductory rate, such as low interest or zero interest for a set period of time, usually 12 to 18 months. This can give you some breathing room to pay down your debt without accumulating interest. The caveat is balance transfer cards usually charge a fee for transfers, and if you\u0026#8217;re not paying off the card before the promotion period ends, interest usually skyrockets.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/loans/best-credit-counseling-services/\" data-type=\"link\" data-id=\"https://fortune.com/recommends/loans/best-credit-counseling-services/\"\u003eCredit counseling\u003c/a\u003e:\u003c/strong\u003e Credit counseling won\u0026#8217;t reduce the amount you owe, but it can provide a structured path toward reducing your debt and, sometimes, includes a debt management plan. These agencies provide financial advice and guidance on managing your debt. Usually, your first consultation is free and helps you come up with a plan to pay down your debt, improve credit, and create a budget.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBankruptcy:\u003c/strong\u003e Bankruptcy should be a last resort, as it can have long-lasting detrimental effects on your credit score and financial record. Some employers won\u0026#8217;t hire you if there is a bankruptcy on your record, so this is something to keep in mind. There are two main types of bankruptcy: Chapter 7, which liquidates your assets to pay off debts, and Chapter 13, which sets up a repayment plan. These usually stay on your record for seven to 10 years, and in most jurisdictions, are matters of public record.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"How-to-apply-for-debt-relief-services\"\u003eHow to apply for debt relief services\u003c/h2\u003e\n\n\n\n\u003cp\u003eApplying for debt relief services is pretty straightforward, but it helps to have an idea of the process. While debt relief companies vary, here\u0026#8217;s what to expect, whether you\u0026#8217;re pursuing debt settlement, debt management, or a different form of assistance.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e1. Assess your financial situation\u003c/h3\u003e\n\n\n\n\u003cp\u003eBefore you get in touch with a debt relief company, it\u0026#8217;s helpful to have a thorough understanding of your financial situation. Go through each of your statements and catalog your outstanding balances, interest rates, due dates, minimum monthly payments, and account numbers. Leave no stone unturned—it can be scary to look at, but it’s better to bite the bullet now so you can get ahead of your finances.\u003c/p\u003e\n\n\n\n\u003cp\u003eTake stock of your monthly income and expenses so you have a better idea of what you have to work with. Debt relief companies will want to know this information when recommending solutions, so gathering this before your call will speed up the process.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e2. Research debt relief companies\u003c/h3\u003e\n\n\n\n\u003cp\u003eOnce you\u0026#8217;ve got a clear picture of your financial situation, you can start narrowing down the debt relief companies you want to work with. Look for a company that\u0026#8217;s accredited by organizations like the AFCC or IAPDA. These types of organizations make sure debt relief companies adhere to best practices and ethical standards so they\u0026#8217;re not being unethical and consumers aren\u0026#8217;t deceived. Companies who are members of these bodies are vetted and follow industry guidelines.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eCheck out review sites like Trustpilot or BBB to gauge customer satisfaction. Some charge excessive fees or make unrealistic promises, so be sure to look for these types of comments in customer reviews. These review sections can sometimes provide tips, such as reminders or even red flags to watch out for.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e3. Schedule a consultation\u003c/h3\u003e\n\n\n\n\u003cp\u003eMost debt relief companies offer free consultations, so you should take advantage of booking one with each of your top contenders. At a consultation, you\u0026#8217;ll speak with a debt consultant who will go over your financial details and goals before letting you know about the options that will fit your situation. Find out if their chosen program will impact your credit score. What should you do if creditors are hounding you? Are you charged a monthly fee? What are the trade-offs?\u003c/p\u003e\n\n\n\n\u003cp\u003eAt this appointment, you\u0026#8217;ll have an opportunity to learn about their fees, timelines, the process, and the risks of the program they recommend. Don\u0026#8217;t make any commitments until you\u0026#8217;ve had a chance to consult with other companies and can sleep on the information you\u0026#8217;re given. The last thing you want is to make an impulse decision and end up in a contract that isn’t in your best interest.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e4. Sign the agreement and create a plan\u003c/h3\u003e\n\n\n\n\u003cp\u003eAfter deciding on a debt relief company and plan, your final step before implementing the actual debt relief plan is to sign an agreement. This contract will outline the services the company will provide, your fees, and the duration of the program. Once you sign your contract, the company will begin the plan you signed up for. This could involve creating a dedicated savings account to fund your debt settlements, or scheduling your reduced monthly payments in a debt management plan.\u003c/p\u003e\n\n\n\n\u003cp\u003eKeep a copy of this agreement for your records, and it\u0026#8217;s a good idea to save a scan of it to your phone in case it gets lost. You can do this through any scanner app. Then, back up this digital copy in cloud storage for easy access across devices.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"methodology\"\u003e\u003cstrong\u003eOur methodology\u003c/strong\u003e\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Best debt relief companies: Our methodology\" aria-label=\"pies-title\" id=\"datawrapper-chart-hKlh1\" src=\"https://datawrapper.dwcdn.net/hKlh1/2/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"466\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e \n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cp\u003eTo determine the five best debt relief companies, our team did a thorough qualitative analysis of dozens of debt relief companies. We analyzed the services offered, its published track record, industry reputation, customer reviews, accreditations, and its customer service.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eConsumer Reviews (40%):\u003c/strong\u003e What actual consumers have to say about their experience with a debt relief company is taken into account heavily because dealing with the stress of debt cannot be understated. We looked at a number of consumer review sites, such as BBB, Trustpilot, and Google Reviews, to compile the score.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eCosts (30%):\u003c/strong\u003e Anyone looking for debt relief should be focused on how much it will cost them to reduce their debt because, after all, it has to be worth it. That’s why we heavily weigh costs in our methodology.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eAverage time to settle debt (20%):\u003c/strong\u003e Anyone with mounting debt should be concerned with how long it takes to settle and achieve debt-free financial freedom.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eFree consultation (5%):\u003c/strong\u003e All debt relief companies should not charge you for your first consultation. It is against the laws of the FTC for them to take any upfront fees.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eAccreditations and types of debt services (5%):\u003c/strong\u003e- There are several relevant accreditations that debt relief companies can have. Those badges indicate the debt relief company is trained properly to offer you sound advice on how to manage or reduce your debts. We also weighed the types of debt services each company provides, such as debt settlement and debt consolidation.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"faqs\"\u003eFrequently asked questions\u003c/h2\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWill my credit score improve by using a debt relief company?\u003c/summary\u003e\n\u003cp\u003eIn the short term, your credit score will almost always go down. You won’t be making payments on your debt, which will be reported to credit bureaus as a missed payment, and instead will be taking that money and putting it into an FDIC-insured trust account to accumulate until enough money is collected to settle. Once a settlement is reached, debt relief companies use the money in the trust account to settle that debt. However, in the long-term, once the missed payments drop off, your score is likely to increase as the debt decreases.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow will debt relief effect my credit?\u003c/summary\u003e\n\u003cp\u003eBecause debt relief programs often require you to stop making payments to creditors while they negotiate on your behalf, your credit score will be negatively impacted. Repairing your credit score after a participating in a debt relief program can take months or years. \u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eDo debt relief companies charge money upfront?\u003c/summary\u003e\n\u003cp\u003eNo, it’s \u003ca href=\"https://www.ftc.gov/news-events/news/press-releases/2010/10/debt-relief-companies-prohibited-collecting-advance-fees-under-ftc-rule-takes-effect-october-27-2010\" data-type=\"link\" data-id=\"https://www.ftc.gov/news-events/news/press-releases/2010/10/debt-relief-companies-prohibited-collecting-advance-fees-under-ftc-rule-takes-effect-october-27-2010\"\u003eagainst the FTC\u003c/a\u003e to charge money before settling. Instead, debt relief companies charge a fee based on the amount they have settled on your behalf. Typically, \u003ca href=\"https://www.nationaldebtrelief.com/blog/debt-guide/debt-relief/debt-relief-programs-really-work/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003edebt relief companies charge 15% to 25%\u003c/a\u003e after an agreement is reached.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eCan credit relief companies stop collection calls?\u003c/summary\u003e\n\u003cp\u003eNo, you’re likely to continue to receive collect calls even when actively working with a debt relief company. This is because you’re missing payments. Legally, creditors are allowed to continue to attempt to collect on the debt owed.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow does debt relief work?\u003c/summary\u003e\n\u003cp\u003eDebt relief can come in a number a ways all with the goal of \u003ca href=\"https://fortune.com/recommends/loans/tips-to-reduce-debt/\"\u003ereducing or eliminating your debt\u003c/a\u003e. Debt relief companies typically negotiate a settlement with your creditors to reduce your overall balance. They'll then work out a more manageable payment plan with you at a lower interest rate. \u003c/p\u003e\n\u003c/details\u003e\n\n\n\r\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\r\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eRead more\u003c/h3\u003e\r\n\r\n\r\n\r\n\u003cli\u003eMake a budget and fix your finances by downloading one of the \u003ca href=\"https://fortune.com/recommends/banking/best-budgeting-apps/\"\u003ebest budgeting apps\u003c/a\u003e.\u003c/li\u003e\r\n\u003cli\u003eIf you need cash in a jiffy, check out our ranking of the \u003ca href=\"https://fortune.com/recommends/banking/cash-advance-apps/\"\u003ebest cash advance apps\u003c/a\u003e.\u003c/li\u003e\r\n\u003cli\u003eSelecting one of the \u003ca href=\"https://fortune.com/recommends/banking/best-free-checking-accounts/\"\u003ebest free checking accounts\u003c/a\u003e means you’ll never pay annual fees for checking.\u003c/li\u003e\r\n\u003cli\u003eDownloading one of the \u003ca href=\"https://fortune.com/recommends/investing/best-investment-apps/\"\u003ebest investment apps\u003c/a\u003e lets you manage your investments when you’re on the go.\u003c/li\u003e\r\n\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e","databaseId":3785852,"dateGmt":"2024-03-29T15:05:15","dek":"","description":"We've done the research on the best debt relief companies with excellent reputations for helping ease the financial burden consumers face in tough times.","faq":[{"answer":"In the short term, your credit score will almost always go down. You won’t be making payments on your debt, which will be reported to credit bureaus as a missed payment, and instead will be taking that money and putting it into an FDIC-insured trust account to accumulate until enough money is collected to settle. Once a settlement is reached, debt relief companies use the money in the trust account to settle that debt. However, in the long-term, once the missed payments drop off, your score is likely to increase as the debt decreases.","question":"Will my credit score improve by using a debt relief company?","__typename":"FaqField"},{"answer":"Because debt relief programs often require you to stop making payments to creditors while they negotiate on your behalf, your credit score will be negatively impacted. Repairing your credit score after a participating in a debt relief program can take months or years.","question":"How will debt relief effect my credit?","__typename":"FaqField"},{"answer":"No, it’s against the FTC to charge money before settling. Instead, debt relief companies charge a fee based on the amount they have settled on your behalf. Typically, debt relief companies charge 15% to 25% after an agreement is reached.","question":"Do debt relief companies charge money upfront?","__typename":"FaqField"},{"answer":"No, you’re likely to continue to receive collect calls even when actively working with a debt relief company. This is because you’re missing payments. Legally, creditors are allowed to continue to attempt to collect on the debt owed.","question":"Can credit relief companies stop collection calls?","__typename":"FaqField"},{"answer":"Debt relief can come in a number a ways all with the goal of reducing or eliminating your debt. Debt relief companies typically negotiate a settlement with your creditors to reduce your overall balance. They'll then work out a more manageable payment plan with you at a lower interest rate.","question":"How does debt relief work?","__typename":"FaqField"}],"featuredMediaType":"image","floatingNavContent":"\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#best-debt-relief-companies\"\u003eBest debt relief companies\u003c/a\u003e\n\u003col\u003e\n\u003cli\u003e\u003ca href=\"#nationaldebtrelief\"\u003eBest for credit card debt\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#accredited-debt-relief\"\u003eBest for customized options\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#money-management-international\"\u003eBest overall\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#americor-debt-relief\"\u003eBest for all unsecured debt types\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#pacificdebtrelief\"\u003eBest for customer support\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#century-support-services\"\u003eBest in availability\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#neweradebtsolutions\"\u003eBest in customer satisfaction\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#freedomdebtrelief\"\u003eBest for interactive engagement\u003c/a\u003e\u003c/li\u003e\n\u003c/ol\u003e\n\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#what-to-know\"\u003eWhat to know about debt relief companies\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#Debt-relief-vs-debt-settlement\"\u003eDebt relief vs. debt settlement\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#how-to-choose\"\u003eHow to choose a debt relief company\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#alternatives\"\u003eAlternatives to debt relief companies\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#How-to-apply-for-debt-relief-services\"\u003eHow to apply for debt relief services\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#methodology\"\u003eOur methodology\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#faqs\"\u003eFrequently asked questions\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n","floatingNavTitle":"On this page","footnotes":null,"id":"cG9zdDozNzg1ODUy","image":"https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-114301573-e1706909748693.jpg?resize=1200,600","imageCaption":"Debt relief companies can be a solution for many falling behind on mounting payments.","imageCredit":"Getty Images","keywords":"","link":"https://fortune.com/recommends/loans/best-debt-relief-companies/","metaTitle":"8 best debt relief companies","modifiedGmt":"2024-11-14T12:32:50","pageType":"evergreen","platformCD":"recommends","postId":3785852,"postSettings":{"postSettingsDek":null,"enableSubscriptionPlea":true,"subscriptionPleaDesign":"with-bottom-border","subscriptionPleaPosition":null,"subscriptionPleaTextLined":"\u003cp\u003eFollow Fortune Recommends on \u003ca href=\"https://www.facebook.com/fortunerecommends\"\u003eFacebook\u003c/a\u003e and \u003ca href=\"https://twitter.com/fortunerecs\"\u003eTwitter\u003c/a\u003e.\u003c/p\u003e","bylineCommentary":null,"mediaItem":{"altText":"Mixed Race Young Woman Agonizing Over Financial Calculations in Kitchen","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-114301573-e1706909748693.jpg"},"__typename":"Settings"},"premiumCategory":{"name":"F-Search","premiumCategoryId":447850669,"link":"https://fortune.com/?taxonomy=premium_categories\u0026term=f-search-free","__typename":"BrandedArticlePremiumCategoryFieldsFields"},"primaryPostTag":{"name":"debt relief","primaryTagId":435707910,"link":"https://fortune.com/tag/debt-relief/","uri":"/tag/debt-relief/","__typename":"BrandedArticlePrimaryPostTagIdFieldsFields"},"primarySection":{"name":"Loans","primarySectionId":447860483,"link":"https://fortune.com/recommends/loans/","uri":"/recommends/loans/","__typename":"BrandedArticlePrimarySectionIdFieldsFields"},"primaryTopic":{"name":"","primaryTopicId":-1},"relatedVideoId":"","relatedVideoType":"no_video","reviewedBy":{"funFactHeader":"","funFactValue":"","image":"https://fortune.com/img-assets/wp-content/uploads/2024/02/ehab-headshot.jpeg?w=150","name":"Ehab Zahriyeh","role":"Senior Editor, Personal Finance","shortIntro":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/ehabz/","twitterUrl":"","__typename":"ReviewerSocialUrlsFields"},"uri":"/author/ehabzahriyeh/"},"sectionNames":["Loans"],"sections":[{"name":"Loans","sectionId":447860483,"slug":"loans","__typename":"BrandedArticleClassificationSectionFieldsFields"}],"series":[],"showModifiedTimestamp":1,"socialDescription":"We've done the research on the best debt relief companies with excellent reputations for helping ease the financial burden consumers face in tough times.","socialTitle":"Drowning in debt? These eight lifelines can help relieve debt","stickyCta":null,"tagNames":["Best-of","consumer debt","credit card debt","Debt","debt relief","Editor's Desk","Loans","no copyright","Rankings and Roundups"],"tags":[{"name":"Best-of","tagId":447854062,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"consumer debt","tagId":571893,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"credit card debt","tagId":14583,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Debt","tagId":22790,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"debt relief","tagId":435707910,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Editor's Desk","tagId":279394,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Loans","tagId":43710,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"no copyright","tagId":447849520,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Rankings and Roundups","tagId":447865369,"__typename":"BrandedArticleClassificationTagFieldsFields"}],"templateType":"landing_page","thumbnailUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-114301573-e1706909748693.jpg","title":"Beyond the debt mountain: 8 best debt relief companies helping rebuild futures","topicNames":[],"topics":[],"url":"https://fortune.com/recommends/loans/best-debt-relief-companies/","videoId":null,"widgetCss":null},"articleData":{"adTags":[{"adtagname":"cat_Debt Relief","description":null,"slug":"cat-debt-relief"},{"adtagname":"High Intent","description":null,"slug":"high-intent"},{"adtagname":"ptype_Roundup","description":null,"slug":"ptype-roundup"}],"audienceDek":"We've done the research on the best debt relief companies with excellent reputations for helping ease the financial burden consumers face in tough times.","authorNames":["Katherine Haan"],"authors":[{"email":"","image":"https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=150","name":"Katherine Haan","sameAs":"","type":"Person","uri":"/author/katherine-haan/","url":"https://fortune.com/author/katherine-haan/","role":"Personal Finance Expert","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/kathyhaan/","twitterUrl":"https://x.com/iamkathyhaan","__typename":"AuthorSocialUrlsFields"},"shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eKatherine Haan\u003c/span\u003e\u003cspan style=\"font-weight: 400\"\u003e is a former\u003c/span\u003e\u003cspan style=\"font-weight: 400\"\u003e financial advisor turned small business coach. Katherine holds an MBA, and is a former staff writer for Fit Small Business. She is a regular contributor to Forbes and maintains a popular lifestyle and travel blog.\u003c/span\u003e\u003c/p\u003e\n","__typename":"Co-authors"}],"breadcrumbs":{"items":[{"label":"LOANS AND MORTGAGES","link":"https://fortune.com/recommends/loans-mortgages/"},{"label":"LOANS","link":"/recommends/loans/"},{"label":"8 BEST DEBT RELIEF COMPANIES","link":""}]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":null,"channel":"Loans","content":"\u003cp\u003eIf you’re one of the Americans carrying a portion of the $1.08 trillion in U.S. credit card balances, or the 8% who are delinquent, a way out could mean the difference between a lifetime of financial struggle and a fresh start.\u0026nbsp;\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cp\u003eThat’s where debt relief companies come in. They negotiate your debt with creditors on your behalf, working to reduce the total amount you owe and create a plan for repayment, allowing you a chance to regain control over your finances and rebuild your life.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhy trust Fortune Recommends\u003c/summary\u003e\n\u003cp\u003eOur editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our \u003ca href=\"https://fortune.com/fortune-recommends-editorial-guidelines/\"\u003eeditorial guidelines \u003c/a\u003efor the ratings below.\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eOver 20 agencies compared\u003c/li\u003e\n\n\n\n\u003cli\u003eMore than 360 data points collected\u003c/li\u003e\n\n\n\n\u003cli\u003e4 layers of fact-checking\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"best-debt-relief-companies\"\u003e\u003cstrong\u003eThe 8 best debt relief companies of \u003cstrong\u003e \u003c/strong\u003eNovember 2024\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eReputable debt relief companies have fair pricing, a solid track record, satisfied customers, and agents who hold certifications from reputable organizations like International Association of Professional Debt Arbitrators (IAPDA, formerly known as the American Fair Credit Council), American Association for Debt Resolution (AADR), or Financial Counseling Association of America (FCAA). We’ve done the work for you to find the best debt relief companies that meet this criteria. Their fees are subject to change, but all figures on our list are current as of July 10, 2024.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"nationaldebtrelief\"\u003eBest for credit card debt: National Debt Relief\u003c/h3\u003e\n\n\n\n\u003cp\u003eHeadquartered in New York City, National Debt Relief has settled more than $1 billion in debt. It has helped more than 500,000 people located all over the United States settle their debt.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eMore than $1 billion in unsecured debts resolved — one of the larger amounts of debt settled that we’ve come across.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eLike others on our list, National Debt Relief has an A+ BBB rating, the highest possible score.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eNational Debt Relief debt specialists are available Monday through Friday from 8 a.m. to midnight EST and weekends from 8 a.m. to 10 p.m. If you’re a current client, customer service is available Monday through Friday from 10 a.m. to 8 p.m. EST.\u0026nbsp;\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-banner\"\u003eFEATURED PARTNER\u003c/div\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"national-debt-relief\" class=\"card-title\"\u003eNational Debt Relief\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eCost\u003c/td\u003e\r\n\u003ctd\u003e15-25% of enrolled debt based on debt amount and state of registration\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAvg. time to settle debt\u003c/td\u003e\r\n\u003ctd\u003e24-48 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAccreditations\u003c/td\u003e\r\n\u003ctd\u003eAADR\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/image_33d28c.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://www.ndrtracking.com/aff_c?offer_id=75\u0026#038;aff_id=2344\u0026#038;url_id=731\u0026#038;aff_sub=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat National Debt Relief\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eConsumer Ratings\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eBBB Customer Reviews\u003c/strong\u003e – 4.72 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eTrustPilot ratings\u003c/strong\u003e – 4.7 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eGoogle ratings\u003c/strong\u003e – 4.6 out of 5\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eConsumer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nNational Debt Relief is available over the phone seven days a week. The debt relief companies\u0026#8217; hours of operations are Monday through Friday between 8:00am and Midnight, Saturdays between 8:00am and 11:00pm, and Sundays 8:00am and 10:00pm (all in Eastern Time). You can also reach them via email and fax.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.ndrtracking.com/aff_c?offer_id=75\u0026#038;aff_id=2344\u0026#038;url_id=731\u0026#038;aff_sub=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat National Debt Relief\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like National Debt Relief for credit card debt\u003c/strong\u003e\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eGood for those seeking private student loan debt relief, National Debt Relief’s enormous amount of debts resolved and clients served makes it an attractive option. Its availability during late and weekend hours is beneficial for onboarding new clients, although these extended hours are not offered to existing clients. As with the rest of the options on our list, it charges no fees upfront, and its performance-based pricing model ensures your financial well-being is a priority.\u003c/p\u003e\n\n\n\n\u003cp\u003eWith over 75,000 five-star reviews, it\u0026#8217;s one of the highest-rated debt relief companies. Its debt arbitrators are all certified through the International Association of Professional Debt Arbitrators (IAPDA). These arbitrators then deal directly with the creditors, aiming to reduce the client\u0026#8217;s overall debt. They\u0026#8217;ve resolved over $1 billion in unsecured debts.\u003c/p\u003e\n\n\n\n\u003cp\u003eSee our \u003ca href=\"https://fortune.com/recommends/loans/national-debt-relief-review/\"\u003efull review on National Debt Relief\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eNational Debt Relief’s services\u003c/summary\u003e\n\u003cp\u003eNational Debt Relief provides many ways to ease a client\u0026#8217;s burden of debt. While specializing in debt settlement, this is complemented by other supports, including:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eDebt settlement\u003c/li\u003e\n\n\n\n\u003cli\u003eDebt consolidation\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit counseling\u003c/li\u003e\n\n\n\n\u003cli\u003eFinancial education\u003c/li\u003e\n\n\n\n\u003cli\u003eBankruptcy prefiling counseling\u003c/li\u003e\n\n\n\n\u003cli\u003eBankruptcy post-filing education\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eNational Debt Relief’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eOver $1 billion in unsecured debt settled\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou only pay if it\u0026#8217;s able to settle\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eA+ BBB rating\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNot available in every state\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eExtended hours only available for onboarding and not for existing clients \u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eIts fees are high\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eNational Debt Relief’s fees\u003c/h4\u003e\n\n\n\n\u003cp\u003eYou won\u0026#8217;t pay anything to National Debt Relief unless they settle your debt, and you approve the settlement. After one settlement payment is made, then National Debt Relief collects its fee. On average, a client will pay anywhere from 15% to 25% of the total debt enrolled.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThis means if you have $25,000 in credit card debt to enroll, you\u0026#8217;re looking at paying $3,750 to $6,250 in fees. This payment will come out of your Dedicated Account.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"accredited-debt-relief\"\u003eBest for customized options: Accredited \u003cstrong\u003eDebt Relief\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eHeadquarters San Diego, California, Accredited Debt Relief has been providing debt relief services to clients since 2011. Since then, the company has helped serve over $1 billion in debt to its 300,000 clients. Like other debt relief companies, Accredited Debt Relief offers a free initial consultation to review the client’s debt circumstances and craft a relief program.\u003c/p\u003e\n\n\n\n\u003cp\u003eAccredited Debt Relief can assist with debts from credit card, personal loans, department store credit, and medical. They cannot support with auto loan or mortgage related debts.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"accredited-debt-relief\" class=\"card-title\"\u003eAccredited Debt Relief\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eCost\u003c/td\u003e\r\n\u003ctd\u003e25% of enrolled debt\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAvg. time to settle debt\u003c/td\u003e\r\n\u003ctd\u003e24-48 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAccreditations\u003c/td\u003e\r\n\u003ctd\u003eAFCC, CDRI\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Accredited_Debt_Relief_Logo.png\"\u003e\u003c/div\u003e\r\n\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/r9e9e2b2e639?s1=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Accredited Debt Relief\u003c/p\u003e\r\n\u003c/div\u003e \r\n\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\"checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eConsumer Ratings\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eBBB Customer Reviews\u003c/strong\u003e – 4.87 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eTrustPilot ratings\u003c/strong\u003e – 4.9 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eGoogle ratings\u003c/strong\u003e – 4.8 out of 5\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eConsumer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nAccredited Debt Relief shares a toll-free phone number on its wbesite that you can dial to speak direction with a debt consolidation specialist. \r\n\u003c/div\u003e\r\n \u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/r9e9e2b2e639?s1=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Accredited Debt Relief\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like Accredited Debt Relief for best customized options\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eAccredited Debt Relief is one of our top debt relief picks because of its almost-perfect Trustpilot score and great scores across BBB and Google. The company says its clients typically become debt-free between two and four years. Aside from negotiating with your creditors, Accredited Debt Relief also supports loan consolidation offered by its affiliates as another debt solution option.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAccredited Debt Relief also expands its reach by providing a client education program. This gives clients tools and resources to understand their finances better and make debt management decisions that are well-informed. Clients can see all of their progress at a glance from their personalized dashboard.\u003c/p\u003e\n\n\n\n\u003cp\u003eSee our full review on \u003ca href=\"https://fortune.com/recommends/loans/accredited-debt-relief-review/\" data-type=\"link\" data-id=\"https://fortune.com/recommends/loans/accredited-debt-relief-review/\"\u003eAccredited Debt Relief\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAccredited Debt Relief’s services\u003c/summary\u003e\n\u003cp\u003eFor clients grappling with mounting debt, Accredited Debt Relief provides several solutions. These include:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eDebt consolidation\u003c/li\u003e\n\n\n\n\u003cli\u003eDebt settlement\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit counseling\u003c/li\u003e\n\n\n\n\u003cli\u003ePersonal finance management education\u003c/li\u003e\n\n\n\n\u003cli\u003eBankruptcy counseling\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eAccredited Debt Relief’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eYou pay nothing upfront\u003c/li\u003e\n\u003cli\u003eOver $1 billion in debt settled\u003c/li\u003e\n\u003cli\u003eA+ BBB rating\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNot available in all states\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou could still be subject to lawsuits and collections by creditors\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eIts fees are high\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eAccredited Debt Relief fees\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhen you consolidate your debt with Accredited Debt Relief, they\u0026#8217;re connecting you with its affiliates whose loans\u0026#8217; annual percentage rates (APR) range from 4.9% to 35.99%. In addition to the APR, you\u0026#8217;re paying an origination fee of 1% to 6%. Your fee is then 25% and is based on the success of the loan.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAccording to Accredited Debt Relief, clients pay an average of 55% on their enrolled debt before fees are taken into consideration. When you add the fees on top of it, its savings aren’t as great.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"money-management-international\"\u003eBest overall: Money Management International\u003c/h3\u003e\n\n\n\n\u003cp\u003eHeadquartered in Stafford, Texas, Money Management International (MMI) was rebranded in 2003, but the nonprofit debt and credit counseling organization has been around under different names since 1958. MMI has a stellar track record of counseling over 2.5 million people and repaying $10 billion in debt. In 2022 alone, MMI serviced over 46,000 debt management plans for their clients, which resulted in almost $193,000,000 worth of debt repayments. Its success is evident with their consumer reviews with an A+ BBB rating and 4.6 out of five stars with TrustPilot.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"money-management-international\" class=\"card-title\"\u003eMoney Management International\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eCost\u003c/td\u003e\r\n\u003ctd\u003eOn average, $33 set-up fee and a $25 monthly fee\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAvg. time to settle debt\u003c/td\u003e\r\n\u003ctd\u003e12-60 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAccreditations\u003c/td\u003e\r\n\u003ctd\u003eFCAA, NFCC\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003ca href=\"https://www.moneymanagement.org/credit-counseling?sc_camp=5C16B5D9C7F0401ABBC0471F95F7A51A\u0026#038;fortune_id=3785852\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3848225 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Money-Management-International.png?w=300\" alt=\"\" width=\"300\" height=\"189\" /\u003e\u003c/div\u003e \r\n\r\n\r\n\r\n\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://www.moneymanagement.org/credit-counseling?sc_camp=5C16B5D9C7F0401ABBC0471F95F7A51A\u0026#038;fortune_id=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\u003cp class=\"cta-caption\"\u003eat Money Management International\u003c/p\u003e \u003c/div\u003e \r\n\r\n\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\r\n\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\"name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eConsumer Ratings\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eBBB Customer Reviews\u003c/strong\u003e – 4.9 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eTrustPilot ratings\u003c/strong\u003e – 4.6 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eGoogle ratings\u003c/strong\u003e – 4.9 out of 5\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eConsumer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nMMI has a number of contact forms on its website to reach them based on topics including new debt management plan, housing counseling, bankruptcy counseling, and financial wellness programs. You can also reach them by phone. \r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.moneymanagement.org/credit-counseling?sc_camp=5C16B5D9C7F0401ABBC0471F95F7A51A\u0026#038;fortune_id=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e \r\n\r\n\u003cp class=\"cta-caption\"\u003eat Money Management International\u003c/p\u003e \r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like MMI for best overall debt relief company\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eMMI’s track record of success, glowing consumer reviews, and longstanding reputation combine to make it our top choice for debt relief companies. There’s a lot to consider with debt solutions, especially how it will impact your credit score negatively. MMI is a full-service organization that also supports credit repair solutions as well, making it more appealing for those thinking about the complete cycle needed to achieve financial flexibility.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBest of all? It\u0026#8217;s a nonprofit. This means MMI prioritizes clients\u0026#8217; financial health over profits. It aims to help clients achieve long-term financial stability, rather than focusing on increasing its own bottom line. This puts it in a class of its own as many debt relief companies are for profit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSee our full review on \u003ca href=\"https://fortune.com/recommends/loans/money-management-international-review/\"\u003eMoney Management International\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMMI’s services\u003c/summary\u003e\n\u003cp\u003eWith a variety of services designed to help clients get out of debt, manage their housing, and afford homes, MMI does what few debt relief companies can. It focuses on making solutions affordable to clients. These include:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eDebt management plans\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit counseling\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit report review\u003c/li\u003e\n\n\n\n\u003cli\u003eForeclosure prevention counseling\u003c/li\u003e\n\n\n\n\u003cli\u003eEviction prevention counseling\u003c/li\u003e\n\n\n\n\u003cli\u003eHomebuyer counseling\u003c/li\u003e\n\n\n\n\u003cli\u003eReverse mortgage counseling\u003c/li\u003e\n\n\n\n\u003cli\u003eBankruptcy counseling and education\u003c/li\u003e\n\n\n\n\u003cli\u003eStudent loan counseling\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eMMI’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNonprofit\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eAvailable 24/7\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eClients see a credit score increase of 85 points four years after starting\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eOver $10 billion in debt repaid\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eWhile available via phone 24/7, its physical locations aren\u0026#8217;t in every state\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eTemporary decrease in credit score as your credit accounts are closed\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNot all creditors will participate\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eMMI’s fees\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhen you sign up for a MMI debt management plan, you’ll pay a setup fee as well as a monthly fee. Both your monthly fee and your set-up fee depend on the amount of debt you’re repaying and your location. Per MMI, clients pay an average of $25 per month and $33 in setup fees.\u003c/p\u003e\n\n\n\n\u003cp\u003eAnother great thing about MMI is it caps the amount you\u0026#8217;ll pay. You will never pay more than $75 to set up your debt management plan, and you won\u0026#8217;t ever spend more than $59 per month in fees, no matter the amount of your debt in repayment or location.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"americor-debt-relief\"\u003eBest for all unsecured debt types: Americor Debt Relief\u003c/h3\u003e\n\n\n\n\u003cp\u003eHeadquartered Irvine, California, Americor Debt Relief has been serving clients in need of debt solutions since 2008. The company states it has negotiated thousands of settlements on behalf of over 200,000 clients, and helped them clear $2 billion in debt. On average, Americor reduces their clients’ total debt by 37%,\u003c/p\u003e\n\n\n\n\u003cp\u003eLike many of the debt relief companies, the process starts with free consultation, and per Federal Trade Commission (FTC) regulations, they do not take any upfront fees. Clients will pay a percentage of the total debt enrolled, though it varies by state.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"americor-debt-relief\" class=\"card-title\"\u003eAmericor Debt Relief\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eCost\u003c/td\u003e\r\n\u003ctd\u003ePercentage of the total debt enrolled varies by state\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAvg. time to settle debt\u003c/td\u003e\r\n\u003ctd\u003e24-48 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAccreditations\u003c/td\u003e\r\n\u003ctd\u003eAADR\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Americor_Debt_Relief_Logo.png\"\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/f44bc0ecd22d?s1=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Americor Debt Relief\u003c/p\u003e\r\n\u003c/div\u003e \r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eConsumer Ratings\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eBBB Customer Reviews\u003c/strong\u003e – 4.66 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eTrustPilot ratings\u003c/strong\u003e – 4.9 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eGoogle ratings\u003c/strong\u003e – 4.8 out of 5\u003c/li\u003e\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eConsumer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nAmericor Debt Relief is available via email, or seven days a week over the phone. New clients can reach the debt relief company Monday through Friday between 6:00am and 7:00pm, or weekends between 8:00am and 4:00pm PST. Existing clients can reach Americor Debt Relief by phone on weekdays between 5:00am and 6:00pm, or weekends between 5:00am and 4:00pm PST. \r\n\u003c/div\u003e\r\n \u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/f44bc0ecd22d?s1=3785852\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Americor Debt Relief\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like Americor Debt Relief for unsecured debt types\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eAmericor Debt Relief is one of our top picks for debt relief because of its success rate of relieving over $2 billion in debt for its clients. It also has a glowing Trustpilot rating and, more importantly, supports debt relief for several debt types, including credit card debt, payday loans, medical debt, private student loans, personal loans, and personal business debts. Additionally, Americor can help with auto repossessions, mortgages, and tax debts.\u003c/p\u003e\n\n\n\n\u003cp\u003eThe company recently \u003ca href=\"https://americor.com/press-room/americor-announces-close-of-127-5-million-a-rated-personal-loan-securitization/\"\u003eannounced\u003c/a\u003e the launch of a personal loan option to help its clients with debt consolidation with a fixed rate of 24.99%, which can be a good solution for anyone with high-interest credit card debts.\u003c/p\u003e\n\n\n\n\u003cp\u003eIn addition to connecting with an entire network of creditor partners, Americor sets its clients up for success by offering financial literacy resources. This helps clients budget properly and make better decisions.\u003c/p\u003e\n\n\n\n\u003cp\u003eSee our \u003ca href=\"https://fortune.com/recommends/loans/americor-debt-relief-review/\"\u003efull Americor Debt Relief review\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAmericor Debt Relief’s services\u003c/summary\u003e\n\u003cp\u003eTo help clients overcome financial struggles, Americor offers a variety of services. These include:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eDebt settlement\u003c/li\u003e\n\n\n\n\u003cli\u003eDebt consolidation\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit counseling\u003c/li\u003e\n\n\n\n\u003cli\u003eFinancial education\u003c/li\u003e\n\n\n\n\u003cli\u003ePersonalized financial assistance\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eAmericor’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eCharges no upfront fees \u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eOffers interactive tools for tracking debt settlement progress\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eProvides financial education to prevent future debt issues\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eInitial impact on credit score can be significant due to the nature of debt settlement\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eFees are high\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eSuccess of negotiations varies based on creditor policies and the client’s financial stability\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eAmericor Debt Relief’s fees\u003c/h4\u003e\n\n\n\n\u003cp\u003eYour fees depend on the amount of debt you\u0026#8217;re enrolling in the Americor program. This is based on a percentage of the debt enrolled and varies from 14% to 29%. For a debt settlement offer to be made to creditors, you must save a minimum of 25% of each debt. This amount is then used to offer up in settlement to the creditor.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"pacificdebtrelief\"\u003eBest for customer support: Pacific Debt Relief\u003c/h3\u003e\n\n\n\n\u003cp\u003eHeadquartered in San Diego, California, Pacific Debt Relief is available in 30 states, and has partnerships with debt relief companies in the states it doesn’t serve. In operation since 2002, Pacific Debt Relief has built an expectation of trust. Like the others on this list, Pacific Debt Relief has an A+ rating with BBB, which is the highest a company can have. Its customer service is available Monday through Thursday from 6 a.m. to 7 p.m. PST, Friday from 6 a.m. to 4:30 p.m., and Saturday from 7:30 a.m. to 4:30 p.m.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"pacific-debt-relief\" class=\"card-title\"\u003e\u003ca href=\"https://secure.money.com/pr/v9b7a9134571?s1=3785852\" rel=\"nofollow noopener noreferrer\"\u003ePacific Debt Relief\u003c/a\u003e\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eCost\u003c/td\u003e\r\n\u003ctd\u003e15-25% of enrolled debt based on debt amount and state of registration\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAvg. time to settle debt\u003c/td\u003e\r\n\u003ctd\u003e24-48 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAccreditations\u003c/td\u003e\r\n\u003ctd\u003eCDRI, IAPDA\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Pacific_Debt_Relief_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/v9b7a9134571?s1=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Pacific Debt Relief\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eConsumer Ratings\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eBBB Customer Reviews\u003c/strong\u003e – 4.93 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eTrustPilot ratings\u003c/strong\u003e – 4.8 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eGoogle ratings\u003c/strong\u003e – 4.6 out of 5\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eConsumer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nPacific Debt Relief can be reached by phone, fax, or email. The California-based debt relief company also has a form on its website to fill out as another method to contact the company.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/v9b7a9134571?s1=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Pacific Debt Relief\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like Pacific Debt Relief for customer support\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eGood for those who prioritize customer service. Of the 1,456 Pacific Debt Relief reviews on Trustpilot, 84% were 5-star reviews, and 11% were 4 stars. The vast majority of reviews praise its customer service, and that\u0026#8217;s something we like to see. Being burdened with debt is one of the most stressful situations one can face, and having a friendly voice on the other line to hold your hand and walk you through the process is sometimes all you need to see a light at the end of the tunnel and know that you’re not in this alone.\u003c/p\u003e\n\n\n\n\u003cp\u003eWith new technology designed to make it easier for clients to communicate with the Pacific Debt Relief team, case management is made even smoother through better efficiencies. Plus, its team receives regular training on the best practices and negotiation tactics for creditors.\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more in our full \u003ca href=\"https://fortune.com/recommends/loans/pacific-debt-relief-review/\"\u003ePacific Debt Relief\u003c/a\u003e review.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003ePacific Debt Relief’s services\u003c/summary\u003e\n\u003cp\u003ePacific Debt Relief provides a range of services for its clients. These include:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eDebt settlement\u003c/li\u003e\n\n\n\n\u003cli\u003ePersonalized financial consultation\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit counseling\u003c/li\u003e\n\n\n\n\u003cli\u003eFinancial education resources\u003c/li\u003e\n\n\n\n\u003cli\u003eProgram for managing and reducing unsecured debts\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003ePacific Debt Relief’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou’ll receive communication from your account manager every few weeks\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo upfront fees\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eA+ BBB rated\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNot available in all states\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003ePotential negative impact on credit score during program\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eMust have over $10,000 in unsecured debt to qualify\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003ePacific Debt Relief’s fees\u003c/h4\u003e\n\n\n\n\u003cp\u003eWith Pacific Debt Relief, you\u0026#8217;ll pay no fees upfront. These fees range from 15% to 25%, depending on your location and the amount of debt you have.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"century-support-services\"\u003eBest in availability: Century Support Services\u003c/h3\u003e\n\n\n\n\u003cp\u003eHeadquartered in North Huntingdon, Pennsylvania, Century Support Services has been servicing clients in need of debt solutions since 2003. Since its inception, the company has helped over 259,000 clients settling a total of more than $1.7 billion in debts.\u003c/p\u003e\n\n\n\n\u003cp\u003eLike other debt relief companies, Century Support Services’ process starts with a free consultation and clients only get charged after based on the amount of debt enrolled. Clients who make all their monthly program payments on time will pay on average 50% of their enrolled balance in addition to the fees Century Support Services collects, which is 25% of the enrolled debt.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"century-support-services\" class=\"card-title\"\u003eCentury Support Services\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eCost\u003c/td\u003e\r\n\u003ctd\u003e25% of enrolled debt\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAvg. time to settle debt\u003c/td\u003e\r\n\u003ctd\u003e24-48 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAccreditations\u003c/td\u003e\r\n\u003ctd\u003eIAPDA, AADR\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Century_Debt_Relief_Logo.png\"\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://apply.centuryss.com/?wf=1\u0026#038;fid=vbl9n1\u0026#038;cid=cp265\u0026#038;pid=mp349\u0026#038;sub1=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Century Support Services\u003c/p\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\"name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eConsumer Ratings\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eBBB Customer Reviews\u003c/strong\u003e – 3.7 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eTrustPilot ratings\u003c/strong\u003e – 4.9 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eGoogle ratings\u003c/strong\u003e – 4.5 out of 5\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eConsumer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nCentury Support Services can be reached by phone, fax, or email. The Pennsylvania-based company’s hours of operations are weekdays between 9:00am and 8:00pm EST. Century Support Services also has a live chat feature on its website.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://apply.centuryss.com/?wf=1\u0026#038;fid=vbl9n1\u0026#038;cid=cp265\u0026#038;pid=mp349\u0026#038;sub1=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n \u003cp class=\"cta-caption\"\u003eat Century Support Services\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like Century Support Services\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eCentury Support Services is one of our top debt relief picks because of 20 years of success in reducing debts for over 259,000 clients. It has an A+ BBB rating and a strong Trustpilot rating, which are indications of positive customer feedback. While Century Support Services’ 25% rate is standard, many of the competitors do charge a lower rate based on certain circumstances or vary by state.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eCentury Support Services helps tackle high-interest credit card debt and works to negotiate lower interest rates. It also works to reduce principal balances, which will reduce the overall debt repayment period.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSee our \u003ca href=\"https://fortune.com/recommends/loans/century-support-services-review/\"\u003efull review of Century Support Services\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eCentury Support Services’s services\u003c/summary\u003e\n\u003cp\u003eCentury Support Services is much like a tailor, in that it offers a variety of solutions for its customers based on their financial needs. These include:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eFree initial debt assessment\u003c/li\u003e\n\n\n\n\u003cli\u003ePersonalized debt settlement programs\u003c/li\u003e\n\n\n\n\u003cli\u003eDebt negotiation\u003c/li\u003e\n\n\n\n\u003cli\u003e24/7 online account management\u003c/li\u003e\n\n\n\n\u003cli\u003eCustomer support and client advocacy\u003c/li\u003e\n\n\n\n\u003cli\u003eEducational resources for financial management\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eCentury Support Services’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eOver $2 billion in settled debts\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo fees charged until debt settlement is successfully negotiated\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eA+ BBB rating\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNot available in all states\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eFees are high\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eSome clients may not complete the program due to the stringent saving requirements\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eCentury Support Services’s fees\u003c/h4\u003e\n\n\n\n\u003cp\u003eFees vary from state to state, and Century Support Services doesn\u0026#8217;t detail these. However, its fees are significant—it claims clients realize savings of approximately 43% but that\u0026#8217;s before fees. The amount saved after fees is 16%, factored over 24 to 48 months. This only counts those who stay in the program and settle all their debt.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"neweradebtsolutions\"\u003eBest in customer satisfaction: New Era Debt Solutions\u0026nbsp;\u003c/h3\u003e\n\n\n\n\u003cp\u003eHeadquartered in Camarillo, California, New Era Debt Solutions works to alleviate debt for clients located in 20 states, and an additional 27 states through Consumer First Legal Network (CFLN). It does not serve clients in Iowa, Maine, or Oregon.\u003c/p\u003e\n\n\n\n\u003cp\u003eSince its inception, New Era has negotiated $275 million in debt relief. It reports an average reduction of 42.87% off the account balances at the time of settlement.\u003cbr\u003eSince 1999, New Era Debt Solutions has worked to negotiate settlements for clients in a variety of hardships.\u003c/p\u003e\n\n\n\n\u003cp\u003eA BBB rating of A+ is the highest a company can score on its letter scale. Points are assigned based on factors such as complaint resolution, time in business, complaint volume, and business practices.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"new-era-debt-solutions\" class=\"card-title\"\u003eNew Era Debt Solutions\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eCost\u003c/td\u003e\r\n\u003ctd\u003eNot disclosed\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAvg. time to settle debt\u003c/td\u003e\r\n\u003ctd\u003e12-36 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAccreditations\u003c/td\u003e\r\n\u003ctd\u003eIAPDA\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_NewEra_Debt_Solutions_Logo.png\"\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/mdcffb094d4c?s1=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat New Era Debt Solutions\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\r\n\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\"name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eConsumer Ratings\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eBBB Customer Reviews\u003c/strong\u003e – 4.93 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eTrustPilot ratings\u003c/strong\u003e – 5 out of 5\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eGoogle ratings\u003c/strong\u003e – 4.9 out of 5\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eConsumer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nNew Era has debt specialists available Monday through Saturday from 7:00am to 8:00pm PST and after hours by appointment. If you’re a current client, customer service is available Monday through Friday from 8:00am to 5:00pm PST.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/mdcffb094d4c?s1=3785852\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e \r\n\u003cp class=\"cta-caption\"\u003eat New Era Debt Solutions\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like New Era Debt Solutions\u003c/strong\u003e\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eGood for those seeking relief and an effective path out of debt. New Era Debt Solutions doesn\u0026#8217;t sugarcoat the process and provides the facts that other debt relief companies trying to earn your business might shy away from. It has an entire page dedicated to these hard truths, detailing its average settlement amounts, reasons why people have left the program before completion, and the average length of time it takes someone to complete its program. This transparency allows potential clients to make informed decisions and goes a long way in building trust and credibility.\u0026nbsp;\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWith an entire team of debt specialists to help with the settlement process, it can tailor the strategy to each financial situation. It also partners with Consumer First Legal Network, which extends its reach further, allowing for legal insight when necessary.\u003c/p\u003e\n\n\n\n\u003cp\u003eSee our full review on \u003ca href=\"https://fortune.com/recommends/loans/new-era-debt-solutions-review/\"\u003eNew Era Debt Solutions\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eNew Era Debt Solutions services\u003c/summary\u003e\n\u003cp\u003eNew Era Debt Solutions aims to help clients reduce the stress of overwhelming debt. It does this through the following services:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eDebt settlement\u003c/li\u003e\n\n\n\n\u003cli\u003eCustomized financial analysis\u003c/li\u003e\n\n\n\n\u003cli\u003eCreditor negotiation\u003c/li\u003e\n\n\n\n\u003cli\u003eFinancial education and resources\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eNew Era Debt Solutions pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003ePersonalized debt relief programs\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo upfront fees for services\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eA+ BBB rating\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eUnavailable in every state\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eCredit score is likely to decline\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eIts rates aren’t transparent\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eNew Era Debt Solutions fees\u003c/h4\u003e\n\n\n\n\u003cp\u003eNew Era Debt Solutions does not provide the details of its fees. It states that this depends on your location, the amount of debt, and the amount you can set aside to settle. You won’t pay any maintenance fees, and no fees are due until the debt is settled.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"freedomdebtrelief\"\u003eBest for interactive engagement: Freedom Debt Relief\u0026nbsp;\u003c/h3\u003e\n\n\n\n\u003cp\u003eHeadquartered in San Mateo, California, Freedom Debt Relief works with clients all over the country to get relief from their unsecured debts, such as credit cards and medical bills.\u003c/p\u003e\n\n\n\n\u003cp\u003eFreedom Debt Relief has served over 850,000 clients, the most out of every company on our list, and has settled more than four million accounts.\u003c/p\u003e\n\n\n\n\u003cp\u003eFreedom Debt Relief has settled over $18 billion in debt, the most out of all the debt relief companies on our list.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n \u003cdiv class=\"card-area-1\"\u003e\r\n \u003ch3 id=\"freedom-debt-relief\" class=\"card-title\"\u003e\u003ca href=\"https://secure.money.com/pr/d3a0b5154c2c?s1=3785852\" rel=\"nofollow noopener noreferrer\"\u003eFreedom Debt Relief\u003c/a\u003e\u003c/h3\u003e\r\n \u003csection class=\"card-description\"\u003e\r\n \u003ctable\u003e\r\n \u003ctbody\u003e\r\n \u003ctr\u003e\r\n \u003ctd\u003eCost\u003c/td\u003e\r\n \u003ctd\u003e15-25% of enrolled debt\u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr\u003e\r\n \u003ctd\u003eAvg. time to settle debt\u003c/td\u003e\r\n \u003ctd\u003e24-48 months\u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr\u003e\r\n \u003ctd\u003eAccreditations\u003c/td\u003e\r\n \u003ctd\u003eIAPDA, AADR\u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003c/tbody\u003e\r\n \u003c/table\u003e\r\n \u003c/section\u003e\r\n \u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Freedom_Debt_Relief_Logo_444ad9.png\"\u003e\u003c/div\u003e\r\n \u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/d3a0b5154c2c?s1=3785852\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Freedom Debt Relief\u003c/p\u003e\r\n \u003c/div\u003e\r\n \u003cdiv class=\"card-area-4\"\u003e\r\n \u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n \r\n \u003c!-- pannel 1 --\u003e\r\n \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\"name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eConsumer Ratings\u003c/label\u003e\r\n \u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \r\n\r\n \u003cli\u003e\u003cstrong\u003eBBB Customer Reviews\u003c/strong\u003e – 4.63 out of 5\u003c/li\u003e\r\n \u003cli\u003e\u003cstrong\u003eTrustPilot ratings\u003c/strong\u003e – 4.6 out of 5\u003c/li\u003e\r\n \r\n \u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eConsumer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nFreedom Debt Relief has debt specialists available Monday through Friday from 8:00am to 11:00pm EST, and weekends from 9:00am to 9:00pm EST. Customer service for current clients can be reached Monday through Thursday from 8:00am to 9:00pm EST, Friday from 8:00am to 8:00pm EST, and weekends from 10:00am to 8:00pm EST.\r\n\u003c/div\u003e\r\n \u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/d3a0b5154c2c?s1=3785852\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Freedom Debt Relief\u003c/p\u003e\r\n \u003c/section\u003e\r\n \u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like Freedom Debt Relief\u003c/strong\u003e\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eGood for those who want an interactive dashboard that keeps you updated on the progress of your debt relief situation. Every time a new settlement offer comes in, you’re notified via phone and through your interactive dashboard. From there, you can select whether to accept it or not. This is particularly helpful for those with busy lives who don’t always have time to hop on a phone call.\u003c/p\u003e\n\n\n\n\u003cp\u003eThey\u0026#8217;ve negotiated over $15 billion in debt as the largest debt relief provider in the U.S. The process starts with an in-depth consultation with specialists. It will then tailor strategies for every financial goal the client has.\u003c/p\u003e\n\n\n\n\u003cp\u003eSee our \u003ca href=\"https://fortune.com/recommends/loans/freedom-debt-relief-review/\"\u003efull review of Freedom Debt Relief\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eFreedom Debt Relief’s services\u003c/summary\u003e\n\u003cp\u003eServices offered by Freedom Debt Relief include the following:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003ePersonalized debt analysis\u003c/li\u003e\n\n\n\n\u003cli\u003eCustom debt negotiation plans\u003c/li\u003e\n\n\n\n\u003cli\u003eOnline client dashboard for real-time updates\u003c/li\u003e\n\n\n\n\u003cli\u003eComprehensive creditor negotiations\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eFreedom Debt Relief’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eInteractive client dashboard for monitoring settlement progress\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo upfront fees charged\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eMore than $15 billion in settled debt\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eServices not available in all states\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eSettlements can significantly impact credit scores negatively\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eThe process can take up to 48 months\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eFreedom Debt Relief’s fees\u003c/h4\u003e\n\n\n\n\u003cp\u003eYou won\u0026#8217;t pay any upfront fees with Freedom Debt Relief. Instead, you\u0026#8217;ll pay 15%-25% of the debt enrolled. However, this rate can vary by state and the amount you enroll. The fee is charged only after you approve of the settlement offer and a payment has been made to the creditor.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003eDebt Relief Company\u003c/th\u003e\u003cth\u003eDebt management plans\u003c/th\u003e\u003cth\u003eDebt settlement services\u003c/th\u003e\u003cth\u003eSee details\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cmark style=\"background-color: rgba(0, 0, 0, 0);\" class=\"has-inline-color has-vivid-green-cyan-color\"\u003eFeatured partner\u003c/mark\u003e\u003cbr\u003e\u003cstrong\u003eNational Debt Relief\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://www.ndrtracking.com/aff_c?offer_id=75\u0026amp;aff_id=2344\u0026amp;url_id=731\u0026amp;aff_sub=3785852\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat National Debt Relief\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eMoney Management International\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://www.moneymanagement.org/credit-counseling?sc_camp=5C16B5D9C7F0401ABBC0471F95F7A51A\u0026amp;fortune_id=3785852\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MMI\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAccredited Debt Relief\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/r9e9e2b2e639?s1=3785852\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Accredited Debt Relief\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAmericor Debt Relief\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/f44bc0ecd22d?s1=3785852\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Americor\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003ePacific Debt Relief\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/v9b7a9134571?s1=3785852\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Pacific Debt Relief\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eCentury Support Services\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://apply.centuryss.com?wf=1\u0026amp;fid=vbl9n1\u0026amp;cid=cp265\u0026amp;pid=mp349\u0026amp;sub1=3785852\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Century Support Services\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eNew Era Debt Solutions\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/mdcffb094d4c?s1=3785852\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat New Era Debt Solutions\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eFreedom Debt Relief\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/d3a0b5154c2c?s1=3785852\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Freedom Debt Relief\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eDig in\u003c/h3\u003e\n\n\n\n\u003cp\u003e\u003ca href=\"https://fortune.com/recommends/loans/tips-to-reduce-debt/\" data-type=\"link\" data-id=\"https://fortune.com/recommends/loans/tips-to-reduce-debt/\"\u003e7 proven ways to reduce—or even eliminate—your debt\u003c/a\u003e\u003cbr\u003e\u003ca href=\"https://fortune.com/recommends/loans/debt-settlement-vs-debt-consolidation-vs-debt-management-plans/\" data-type=\"link\" data-id=\"https://fortune.com/recommends/loans/debt-settlement-vs-debt-consolidation-vs-debt-management-plans/\"\u003eDebt settlement vs. debt consolidation vs. debt management plans: Which is right for you?\u003c/a\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"what-to-know\"\u003e\u003cstrong\u003eWhat to know about debt relief companies\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe first thing you should know about debt relief companies is that not all types of debt can be negotiated. Anything backed by the federal government or by collateral is ineligible for relief. This includes federal student loans, mortgages, and auto loans. Some private student loans may be eligible, depending on the debt relief company and your circumstances.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eMost debt relief companies require you to be facing some kind of financial hardship, such as a divorce or layoff, before they’ll consider taking you on as a client.\u0026nbsp;\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile you’ll get out of debt, know that your credit score will likely tank in the immediate term. This is because, to negotiate with creditors, the money you’d typically put toward your debt will go into an FDIC-insured trust account to accumulate. This means missed payments and you’ll continue to receive collection calls. After all, why would a creditor negotiate if you’re already making on-time payments?\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAdditionally, you don’t need a debt relief company to settle with creditors. There are plenty of online resources to do it yourself, but if you’re not confident in your negotiation skills, having an expert do it for you can save you time, money, and stress. After all, you don’t want to agree to unfavorable terms or misunderstand any of the legalities of your agreements.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tips\u003c/h3\u003e\n\n\n\n\u003cp\u003eEven credit experts make financial mistakes sometimes—a fact I’m not afraid to admit. In the past, I’ve struggled with credit card debt. But I was able to use a balance transfer credit card to consolidate my balances and pay them down over time. Still, if you’re considering this option you should consider the \u003ca href=\"https://fortune.com/recommends/credit-cards/6-reasons-to-do-a-credit-card-balance-transfer-and-5-reasons-not-to/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003epros and cons of a balance transfer\u003c/a\u003e before you apply for a new account. \u003cem\u003e\u003ca href=\"https://fortune.com/author/michelle-lambright-black/\" data-type=\"link\" data-id=\"https://fortune.com/author/michelle-lambright-black/\"\u003eMichelle Lambright Black, Fortune Recommends contributor and credit expert\u003c/a\u003e\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"Debt-relief-vs-debt-settlement\"\u003e\u003cstrong\u003eDebt relief vs. debt settlement\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eThink of debt relief as an umbrella term that includes several strategies for getting out of debt—debt settlement included. Other debt relief strategies include credit counseling, debt consolidation, and more. The overall goal is to reduce the financial stress involved with carrying a heavy debt load by reducing interest rates, consolidating multiple debts, negotiating for lower payments, or a combination of strategies.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eDebt settlement is a specific type of debt relief that aims to negotiate with creditors to reduce the amount owed, usually for a lump-sum payment, which is often done with a third party. The most common type of debt for debt settlement is credit card debt, although other types of unsecured debt, such as medical bills, personal loans, and private student loans, can also be negotiated in some cases.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eYou won\u0026#8217;t find debt settlement options for anything that’s secured, such as a mortgage or a vehicle loan, because these are backed by collateral—if the consumer defaults, the lender collects the collateral in return and has no reason to negotiate a debt.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003eKey features\u003c/th\u003e\u003cth\u003eDebt relief\u003c/th\u003e\u003cth\u003eDebt settlement\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eReduces total debt\u003c/td\u003e\u003ctd\u003eSometimes\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eLowers interest rates\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eConsolidates debts into one payment\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eNegative impact on credit score\u003c/td\u003e\u003ctd\u003eSometimes\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAvailable for secured debts, such as mortgage and car loan\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eInvolves negotiating with creditors\u003c/td\u003e\u003ctd\u003eSometimes\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eRequires upfront fees\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eLength of time to complete (average)\u003c/td\u003e\u003ctd\u003e12-60 months\u003c/td\u003e\u003ctd\u003e24-48 months\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCredit counseling and education included\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003eNo\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCan be done without third-party assistance\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003ctd\u003eYes\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-to-choose\"\u003e\u003cstrong\u003eHow to choose a debt relief company\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eChoosing a debt relief company should be done with care because the last thing you want is to end up in a worse situation than you’re in now. Here are some questions to ask potential debt relief companies:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eIs it accredited by any industry organizations?\u003c/li\u003e\n\n\n\n\u003cli\u003eDoes it publish its success rate? How about its failure rate?\u003c/li\u003e\n\n\n\n\u003cli\u003eWhat are its fees?\u003c/li\u003e\n\n\n\n\u003cli\u003eHow long is the program?\u003c/li\u003e\n\n\n\n\u003cli\u003eHow are you notified of settlement progress?\u003c/li\u003e\n\n\n\n\u003cli\u003eDoes it have an in-house or external legal team?\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWatch out for debt relief scammers\u003c/h3\u003e\n\n\n\n\u003cp\u003eThe unfortunate truth about the debt relief and \u003ca href=\"https://fortune.com/recommends/loans/best-credit-repair-companies/\" data-type=\"link\" data-id=\"https://fortune.com/recommends/loans/best-credit-repair-companies/\"\u003ecredit repair\u003c/a\u003e industries is that scammers are ready to pounce on the vulnerable. They prey on those who are looking for easy out from insurmountable debt by promising unrealistic results. Be wary of any companies charging money upfront (the FTC doesn’t allow this), making promises that your credit score won’t go down (if you’re settling, it will), and offering to settle for pennies on the dollar (it can’t). Some of these scammers will use automated robocalls to proactively reach people in debt.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eProtect yourself from scammers by confirming the agency you are speaking with is accredited and has a track record of success. You should do independent research on sites, such as Trustpilot and BBB. Search its name and website and check for negative customer reviews and any lawsuits. Any legitimate debt relief company cannot make you pay a fee upfront or promise to stop all debt collectors from calling. Lastly, if what they are promising appears to be too good to be true, then it probably is.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003eI found that many people mistakenly placed their faith in debt settlement, debt relief services and credit repair services. Just because one of these companies has the word \u0026#8220;law\u0026#8221; or \u0026#8220;legal\u0026#8221; in their name, like Lexington Law, doesn\u0026#8217;t mean they have lawyers working for you, and there\u0026#8217;s still a good chance you\u0026#8217;ll get scammed. \u003cem\u003e\u003ca href=\"https://fortune.com/author/sarah-brady/\" data-type=\"link\" data-id=\"https://fortune.com/author/sarah-brady/\"\u003eSarah Brady, Fortune Recommends contributor and former credit counselor.\u003c/a\u003e\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"alternatives\"\u003eAlternatives to debt relief companies\u003c/h2\u003e\n\n\n\n\u003cp\u003eThere are many alternative options before resorting to a debt relief company. Some of these include:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/loans/how-to-consolidate-debt-with-personal-loan/\"\u003eDebt consolidation\u003c/a\u003e:\u003c/strong\u003e Debt consolidation is when you combine multiple debts, like high-interest credit card debt, into a single loan, usually with a lower interest rate. This is ideal for those who are making multiple payments to various creditors each month and want to simplify things. If they can offer a lower interest rate on the consolidation, it\u0026#8217;ll save you money too. Debt consolidation is done via a personal loan, home equity loan, or balance transfer credit card, depending on your credit score.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eDebt management:\u003c/strong\u003e\u0026nbsp;A debt management plan (DMP) is usually offered through credit counseling agencies. They aim to lower your interest rate so you can repay your entire debt in full over time. They work with creditors to create a payoff plan and often negotiate for lower interest rates and no late fees. This way, you\u0026#8217;re making consistent, on-time payments without financial strain.\u003c/li\u003e\n\n\n\n\u003cli\u003eNegotiate with creditors yourself: If you want to avoid the cost of having a third party negotiate with creditors, you can do so yourself. Some creditors may be willing to lower your interest rate, waive fees, extend payment terms, or reduce your total balance owed if you can provide proof of financial hardship.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/loans/best-personal-loans/\"\u003ePersonal loan\u003c/a\u003e:\u003c/strong\u003e To get a personal loan to pay off debt, you usually need a decent credit score, which isn\u0026#8217;t easy to obtain if you are already struggling with debt. This will let you consolidate your debt into one loan with, hopefully, a lower interest rate.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/mortgages/use-home-equity-loan-to-consolidate-debt/\"\u003eHome equity loans\u003c/a\u003e or lines of credit (HELOC):\u003c/strong\u003e If you\u0026#8217;re a homeowner, tapping into your home equity through a home equity loan or HELOC can help to pay off debt. Most HELOCs have lower interest rates than credit cards, so you can pay off debt quicker. This is a risky strategy, though, because if you fail to make your HELOC payments, you could lose your home.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBalance transfer credit cards:\u003c/strong\u003e With a balance transfer credit card, you usually get an introductory rate, such as low interest or zero interest for a set period of time, usually 12 to 18 months. This can give you some breathing room to pay down your debt without accumulating interest. The caveat is balance transfer cards usually charge a fee for transfers, and if you\u0026#8217;re not paying off the card before the promotion period ends, interest usually skyrockets.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/loans/best-credit-counseling-services/\" data-type=\"link\" data-id=\"https://fortune.com/recommends/loans/best-credit-counseling-services/\"\u003eCredit counseling\u003c/a\u003e:\u003c/strong\u003e Credit counseling won\u0026#8217;t reduce the amount you owe, but it can provide a structured path toward reducing your debt and, sometimes, includes a debt management plan. These agencies provide financial advice and guidance on managing your debt. Usually, your first consultation is free and helps you come up with a plan to pay down your debt, improve credit, and create a budget.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBankruptcy:\u003c/strong\u003e Bankruptcy should be a last resort, as it can have long-lasting detrimental effects on your credit score and financial record. Some employers won\u0026#8217;t hire you if there is a bankruptcy on your record, so this is something to keep in mind. There are two main types of bankruptcy: Chapter 7, which liquidates your assets to pay off debts, and Chapter 13, which sets up a repayment plan. These usually stay on your record for seven to 10 years, and in most jurisdictions, are matters of public record.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"How-to-apply-for-debt-relief-services\"\u003eHow to apply for debt relief services\u003c/h2\u003e\n\n\n\n\u003cp\u003eApplying for debt relief services is pretty straightforward, but it helps to have an idea of the process. While debt relief companies vary, here\u0026#8217;s what to expect, whether you\u0026#8217;re pursuing debt settlement, debt management, or a different form of assistance.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e1. Assess your financial situation\u003c/h3\u003e\n\n\n\n\u003cp\u003eBefore you get in touch with a debt relief company, it\u0026#8217;s helpful to have a thorough understanding of your financial situation. Go through each of your statements and catalog your outstanding balances, interest rates, due dates, minimum monthly payments, and account numbers. Leave no stone unturned—it can be scary to look at, but it’s better to bite the bullet now so you can get ahead of your finances.\u003c/p\u003e\n\n\n\n\u003cp\u003eTake stock of your monthly income and expenses so you have a better idea of what you have to work with. Debt relief companies will want to know this information when recommending solutions, so gathering this before your call will speed up the process.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e2. Research debt relief companies\u003c/h3\u003e\n\n\n\n\u003cp\u003eOnce you\u0026#8217;ve got a clear picture of your financial situation, you can start narrowing down the debt relief companies you want to work with. Look for a company that\u0026#8217;s accredited by organizations like the AFCC or IAPDA. These types of organizations make sure debt relief companies adhere to best practices and ethical standards so they\u0026#8217;re not being unethical and consumers aren\u0026#8217;t deceived. Companies who are members of these bodies are vetted and follow industry guidelines.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eCheck out review sites like Trustpilot or BBB to gauge customer satisfaction. Some charge excessive fees or make unrealistic promises, so be sure to look for these types of comments in customer reviews. These review sections can sometimes provide tips, such as reminders or even red flags to watch out for.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e3. Schedule a consultation\u003c/h3\u003e\n\n\n\n\u003cp\u003eMost debt relief companies offer free consultations, so you should take advantage of booking one with each of your top contenders. At a consultation, you\u0026#8217;ll speak with a debt consultant who will go over your financial details and goals before letting you know about the options that will fit your situation. Find out if their chosen program will impact your credit score. What should you do if creditors are hounding you? Are you charged a monthly fee? What are the trade-offs?\u003c/p\u003e\n\n\n\n\u003cp\u003eAt this appointment, you\u0026#8217;ll have an opportunity to learn about their fees, timelines, the process, and the risks of the program they recommend. Don\u0026#8217;t make any commitments until you\u0026#8217;ve had a chance to consult with other companies and can sleep on the information you\u0026#8217;re given. The last thing you want is to make an impulse decision and end up in a contract that isn’t in your best interest.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e4. Sign the agreement and create a plan\u003c/h3\u003e\n\n\n\n\u003cp\u003eAfter deciding on a debt relief company and plan, your final step before implementing the actual debt relief plan is to sign an agreement. This contract will outline the services the company will provide, your fees, and the duration of the program. Once you sign your contract, the company will begin the plan you signed up for. This could involve creating a dedicated savings account to fund your debt settlements, or scheduling your reduced monthly payments in a debt management plan.\u003c/p\u003e\n\n\n\n\u003cp\u003eKeep a copy of this agreement for your records, and it\u0026#8217;s a good idea to save a scan of it to your phone in case it gets lost. You can do this through any scanner app. Then, back up this digital copy in cloud storage for easy access across devices.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"methodology\"\u003e\u003cstrong\u003eOur methodology\u003c/strong\u003e\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Best debt relief companies: Our methodology\" aria-label=\"pies-title\" id=\"datawrapper-chart-hKlh1\" src=\"https://datawrapper.dwcdn.net/hKlh1/2/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"466\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e \n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cp\u003eTo determine the five best debt relief companies, our team did a thorough qualitative analysis of dozens of debt relief companies. We analyzed the services offered, its published track record, industry reputation, customer reviews, accreditations, and its customer service.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eConsumer Reviews (40%):\u003c/strong\u003e What actual consumers have to say about their experience with a debt relief company is taken into account heavily because dealing with the stress of debt cannot be understated. We looked at a number of consumer review sites, such as BBB, Trustpilot, and Google Reviews, to compile the score.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eCosts (30%):\u003c/strong\u003e Anyone looking for debt relief should be focused on how much it will cost them to reduce their debt because, after all, it has to be worth it. That’s why we heavily weigh costs in our methodology.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eAverage time to settle debt (20%):\u003c/strong\u003e Anyone with mounting debt should be concerned with how long it takes to settle and achieve debt-free financial freedom.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eFree consultation (5%):\u003c/strong\u003e All debt relief companies should not charge you for your first consultation. It is against the laws of the FTC for them to take any upfront fees.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eAccreditations and types of debt services (5%):\u003c/strong\u003e- There are several relevant accreditations that debt relief companies can have. Those badges indicate the debt relief company is trained properly to offer you sound advice on how to manage or reduce your debts. We also weighed the types of debt services each company provides, such as debt settlement and debt consolidation.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"faqs\"\u003eFrequently asked questions\u003c/h2\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWill my credit score improve by using a debt relief company?\u003c/summary\u003e\n\u003cp\u003eIn the short term, your credit score will almost always go down. You won’t be making payments on your debt, which will be reported to credit bureaus as a missed payment, and instead will be taking that money and putting it into an FDIC-insured trust account to accumulate until enough money is collected to settle. Once a settlement is reached, debt relief companies use the money in the trust account to settle that debt. However, in the long-term, once the missed payments drop off, your score is likely to increase as the debt decreases.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow will debt relief effect my credit?\u003c/summary\u003e\n\u003cp\u003eBecause debt relief programs often require you to stop making payments to creditors while they negotiate on your behalf, your credit score will be negatively impacted. Repairing your credit score after a participating in a debt relief program can take months or years. \u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eDo debt relief companies charge money upfront?\u003c/summary\u003e\n\u003cp\u003eNo, it’s \u003ca href=\"https://www.ftc.gov/news-events/news/press-releases/2010/10/debt-relief-companies-prohibited-collecting-advance-fees-under-ftc-rule-takes-effect-october-27-2010\" data-type=\"link\" data-id=\"https://www.ftc.gov/news-events/news/press-releases/2010/10/debt-relief-companies-prohibited-collecting-advance-fees-under-ftc-rule-takes-effect-october-27-2010\"\u003eagainst the FTC\u003c/a\u003e to charge money before settling. Instead, debt relief companies charge a fee based on the amount they have settled on your behalf. Typically, \u003ca href=\"https://www.nationaldebtrelief.com/blog/debt-guide/debt-relief/debt-relief-programs-really-work/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003edebt relief companies charge 15% to 25%\u003c/a\u003e after an agreement is reached.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eCan credit relief companies stop collection calls?\u003c/summary\u003e\n\u003cp\u003eNo, you’re likely to continue to receive collect calls even when actively working with a debt relief company. This is because you’re missing payments. Legally, creditors are allowed to continue to attempt to collect on the debt owed.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow does debt relief work?\u003c/summary\u003e\n\u003cp\u003eDebt relief can come in a number a ways all with the goal of \u003ca href=\"https://fortune.com/recommends/loans/tips-to-reduce-debt/\"\u003ereducing or eliminating your debt\u003c/a\u003e. Debt relief companies typically negotiate a settlement with your creditors to reduce your overall balance. They'll then work out a more manageable payment plan with you at a lower interest rate. \u003c/p\u003e\n\u003c/details\u003e\n\n\n\r\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\r\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eRead more\u003c/h3\u003e\r\n\r\n\r\n\r\n\u003cli\u003eMake a budget and fix your finances by downloading one of the \u003ca href=\"https://fortune.com/recommends/banking/best-budgeting-apps/\"\u003ebest budgeting apps\u003c/a\u003e.\u003c/li\u003e\r\n\u003cli\u003eIf you need cash in a jiffy, check out our ranking of the \u003ca href=\"https://fortune.com/recommends/banking/cash-advance-apps/\"\u003ebest cash advance apps\u003c/a\u003e.\u003c/li\u003e\r\n\u003cli\u003eSelecting one of the \u003ca href=\"https://fortune.com/recommends/banking/best-free-checking-accounts/\"\u003ebest free checking accounts\u003c/a\u003e means you’ll never pay annual fees for checking.\u003c/li\u003e\r\n\u003cli\u003eDownloading one of the \u003ca href=\"https://fortune.com/recommends/investing/best-investment-apps/\"\u003ebest investment apps\u003c/a\u003e lets you manage your investments when you’re on the go.\u003c/li\u003e\r\n\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e","databaseId":3785852,"dateGmt":"2024-03-29T15:05:15","dek":"","description":"We've done the research on the best debt relief companies with excellent reputations for helping ease the financial burden consumers face in tough times.","faq":[{"answer":"In the short term, your credit score will almost always go down. You won’t be making payments on your debt, which will be reported to credit bureaus as a missed payment, and instead will be taking that money and putting it into an FDIC-insured trust account to accumulate until enough money is collected to settle. Once a settlement is reached, debt relief companies use the money in the trust account to settle that debt. However, in the long-term, once the missed payments drop off, your score is likely to increase as the debt decreases.","question":"Will my credit score improve by using a debt relief company?","__typename":"FaqField"},{"answer":"Because debt relief programs often require you to stop making payments to creditors while they negotiate on your behalf, your credit score will be negatively impacted. Repairing your credit score after a participating in a debt relief program can take months or years.","question":"How will debt relief effect my credit?","__typename":"FaqField"},{"answer":"No, it’s against the FTC to charge money before settling. Instead, debt relief companies charge a fee based on the amount they have settled on your behalf. Typically, debt relief companies charge 15% to 25% after an agreement is reached.","question":"Do debt relief companies charge money upfront?","__typename":"FaqField"},{"answer":"No, you’re likely to continue to receive collect calls even when actively working with a debt relief company. This is because you’re missing payments. Legally, creditors are allowed to continue to attempt to collect on the debt owed.","question":"Can credit relief companies stop collection calls?","__typename":"FaqField"},{"answer":"Debt relief can come in a number a ways all with the goal of reducing or eliminating your debt. Debt relief companies typically negotiate a settlement with your creditors to reduce your overall balance. They'll then work out a more manageable payment plan with you at a lower interest rate.","question":"How does debt relief work?","__typename":"FaqField"}],"featuredMediaType":"image","floatingNavContent":"\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#best-debt-relief-companies\"\u003eBest debt relief companies\u003c/a\u003e\n\u003col\u003e\n\u003cli\u003e\u003ca href=\"#nationaldebtrelief\"\u003eBest for credit card debt\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#accredited-debt-relief\"\u003eBest for customized options\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#money-management-international\"\u003eBest overall\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#americor-debt-relief\"\u003eBest for all unsecured debt types\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#pacificdebtrelief\"\u003eBest for customer support\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#century-support-services\"\u003eBest in availability\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#neweradebtsolutions\"\u003eBest in customer satisfaction\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#freedomdebtrelief\"\u003eBest for interactive engagement\u003c/a\u003e\u003c/li\u003e\n\u003c/ol\u003e\n\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#what-to-know\"\u003eWhat to know about debt relief companies\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#Debt-relief-vs-debt-settlement\"\u003eDebt relief vs. debt settlement\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#how-to-choose\"\u003eHow to choose a debt relief company\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#alternatives\"\u003eAlternatives to debt relief companies\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#How-to-apply-for-debt-relief-services\"\u003eHow to apply for debt relief services\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#methodology\"\u003eOur methodology\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#faqs\"\u003eFrequently asked questions\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n","floatingNavTitle":"On this page","footnotes":null,"id":"cG9zdDozNzg1ODUy","image":"https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-114301573-e1706909748693.jpg?resize=1200,600","imageCaption":"Debt relief companies can be a solution for many falling behind on mounting payments.","imageCredit":"Getty Images","keywords":"","link":"https://fortune.com/recommends/loans/best-debt-relief-companies/","metaTitle":"8 best debt relief companies","modifiedGmt":"2024-11-14T12:32:50","pageType":"evergreen","platformCD":"recommends","postId":3785852,"postSettings":{"postSettingsDek":null,"enableSubscriptionPlea":true,"subscriptionPleaDesign":"with-bottom-border","subscriptionPleaPosition":null,"subscriptionPleaTextLined":"\u003cp\u003eFollow Fortune Recommends on \u003ca href=\"https://www.facebook.com/fortunerecommends\"\u003eFacebook\u003c/a\u003e and \u003ca href=\"https://twitter.com/fortunerecs\"\u003eTwitter\u003c/a\u003e.\u003c/p\u003e","bylineCommentary":null,"mediaItem":{"altText":"Mixed Race Young Woman Agonizing Over Financial Calculations in Kitchen","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-114301573-e1706909748693.jpg"},"__typename":"Settings"},"premiumCategory":{"name":"F-Search","premiumCategoryId":447850669,"link":"https://fortune.com/?taxonomy=premium_categories\u0026term=f-search-free","__typename":"BrandedArticlePremiumCategoryFieldsFields"},"primaryPostTag":{"name":"debt relief","primaryTagId":435707910,"link":"https://fortune.com/tag/debt-relief/","uri":"/tag/debt-relief/","__typename":"BrandedArticlePrimaryPostTagIdFieldsFields"},"primarySection":{"name":"Loans","primarySectionId":447860483,"link":"https://fortune.com/recommends/loans/","uri":"/recommends/loans/","__typename":"BrandedArticlePrimarySectionIdFieldsFields"},"primaryTopic":{"name":"","primaryTopicId":-1},"relatedVideoId":"","relatedVideoType":"no_video","reviewedBy":{"funFactHeader":"","funFactValue":"","image":"https://fortune.com/img-assets/wp-content/uploads/2024/02/ehab-headshot.jpeg?w=150","name":"Ehab Zahriyeh","role":"Senior Editor, Personal Finance","shortIntro":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/ehabz/","twitterUrl":"","__typename":"ReviewerSocialUrlsFields"},"uri":"/author/ehabzahriyeh/"},"sectionNames":["Loans"],"sections":[{"name":"Loans","sectionId":447860483,"slug":"loans","__typename":"BrandedArticleClassificationSectionFieldsFields"}],"series":[],"showModifiedTimestamp":1,"socialDescription":"We've done the research on the best debt relief companies with excellent reputations for helping ease the financial burden consumers face in tough times.","socialTitle":"Drowning in debt? 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