We review the major debt-relief companies the honest way: real fees, FTC compliance, and the credit-score and tax tradeoffs most sites bury. No upfront fees, ever, is the law.
By David Okafor, Accredited Financial CounselorOur top pick. Strong track record, transparent fees, no upfront charges as the law requires.
The largest settlement firm in the country; a solid choice for sizable balances.
Quick onboarding and good support, with a higher minimum balance.
Partner link on our top pick. We may be paid a fee at no cost to you; it never changes our ratings. Disclosure.
| Company | Rating | Min. debt | Fees | States | Review |
|---|---|---|---|---|---|
| National Debt Relief | 4.6/5 | $7,500 | 15-25% | 45+ | Read → |
| Freedom Debt Relief | 4.4/5 | $7,500 | 15-25% | 40+ | Read → |
| Accredited Debt Relief | 4.3/5 | $10,000 | 15-25% | 30+ | Read → |
| Americor | 4.1/5 | $7,000 | 14-29% | 30+ | Read → |
| Pacific Debt Relief | 4.0/5 | $10,000 | 15-25% | 29 | Read → |
| CuraDebt | 3.9/5 | $5,000 | 15-25% | 19 | Read → |
Settlement, consolidation and counseling, explained without the sales pitch.
Read →What it does to your credit, your taxes, and when to walk away.
Read →The two biggest firms, compared on fees, minimums and results.
Read →Programs, protections and options specific to service members.
Read → Eight years counseling families through debt, now reviewing the companies full time. We read the contracts, check fees against FTC rules, and rate by outcomes, not commissions. About us →