Best Debt Relief Companies

If you have a mountain of debt and you don't know how to get out, debt relief companies can be a good way to handle some of that debt. Debt consolidation can help you lower your interest payments, while debt settlement can lower your debt through negotiation with lenders. We look at the top debt relief companies to see which will work best for you.

Best Debt Relief Companies 2019

RankCompanyBest ForCostPhone
1Freedom Debt ReliefOverall Debt Relief15%-25% of debt(844) 752-5316
2PayoffDebt Consolidation5.99% and up (interest rate)N/A
3National Debt ReliefDebt Settlement18%-25% of debtN/A
4Accredited Debt ReliefRunner-up18%-25% of debt settled(877) 729-0051

Best Debt Relief Companies 2019

1Freedom Debt Relief(844) 752-5316
3National Debt ReliefN/A
1Accredited Debt ReliefRunner-up(877) 729-0051

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Freedom Debt Relief

Freedom Website

Freedom Debt Relief image
  • Price: Freedom Debt Relief prices range between 15 and 25 percent of enrolled debt. You can call (844) 752-5316 or get a free consultation here
  • Debt Qualification: It’s suggested that you have at least $15,000 unsecured debt to be eligible.
  • Features: Freedom Debt Relief reviews show that services are really what give this debt settlement provider an edge.
  • Customer Service: A number of reviews mention their remarkable customer service, which you can contact every day of the week. Most other companies are only open on weekdays. Freedom Debt Relief is not only open on weekends but has hours that run into the evenings. You can contact them by phone or email, whatever your preferred method is.

Freedom Debt Relief Disclosure: Our estimates are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all clients are able to complete their program for various reasons, including their ability to save sufficient funds. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825.

Payoff Review image
  • Best for: For people with fair credit. Payoff specializes in debt consolidation loans and has lower loan rates than many debt relief companies. You can check out Payoff here.
  • Rates: Payoff Loans range from 5.99% to 24.99%, depending on the lender and your qualifications for the loan.
  • Loan Amounts: Payoff offers loans from $5,000 to $35,000 to help you with your credit card debt.
  • Features: Payoff concentrates more on debt consolidation than other loan companies. Its main concern is helping you pay off your debt, so it offers things like flexible payments, financial guidance and low starting rates.
  • Customer Service: Payoff offers help through an online chat and/or a personal member advocate.

National Debt Relief

National Website

National Debt Relief image
  • Price: National Debt Relief charges anywhere between 18-25 percent of the debt total when entering the program. You can check out National Debt Relief here.
  • Debt Qualifications: In order for National Debt Relief to work with you on debt reduction, you must enroll with at least $7,500 in qualifying debt.
  • Features: National Debt Relief gives you a number of ways to reduce your monthly spending on debts. You can also look into all the services they offer, everything from National debt consolidation to debt relief. Bankruptcy services are also available if you find you’re not able to make your monthly payments.
  • Customer Service: Freedom Debt Relief offers a number of contact methods, which include fax, phone, and email. This allows you to keep up with the program easily. They are open Monday-Friday with extended evening hours each day.

Accredited Debt Relief Review

Get Started with Accredited

Accredited Debt Relief Review image
  • Best for: Debt settlement AND consolidation. Accredited Debt Relief is one of the only services that offers both debt settlement and debt consolidation. You can call (877) 729-0051 to get started or sign up for Accredited Debt Relief here.
  • Price: Like most debt settlement companies, Accredited Debt Relief take a percentage of whatever debt they are able to settle, in this case 18 percent to 25 percent, depending on your debt. So if they are able to reduce your debt from $10,000 to $8,000, you would owe $360 to $500. If there is no change in your debt, you don’t have to pay anything.
  • Time frame: Accredited Debt Relief’s program time frame ranges from 24-48 months, which is the average time for debt settlement.
  • Other highlights: Accredited Debt Relief is one of the only debt relief companies to offer debt management tools as well as debt consolidation services. Debt consolidation services are when a company will help you consolidate your debt in order to pay a lower interest rate on it.
  • Available states: One of the benefits of Accredited Debt Relief is that it is available in 39 of the 50 states, which is rare for a debt relief company. The average is usually around 35 states.
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