Best Debt Settlement Companies

If you have a mountain of debt and you don't know how to get out, debt settlement companies may be able to help you reduce your debt. Debt settlement can lower your debt through negotiation with lenders. We look at the top debt settlement companies to see which will work best for you.

Best Debt Settlement Companies 2019

RankCompanyBest ForCostPhone
1Freedom Debt ReliefOverall Debt Relief15%-25% of debt(844) 752-5316
2National Debt ReliefDebt Settlement18%-25% of debtN/A
3CuraDebtAn Alternative20% of debt(877) 781-4170
4Accredited Debt ReliefRunner-up18%-25% of debt settled(877) 729-0051

Best Debt Settlement Companies 2019

1Freedom Debt Relief(844) 752-5316
2National Debt ReliefN/A
3CuraDebt(877) 781-4170
4Accredited Debt Relief(877) 729-0051

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Freedom Debt Relief

Freedom Website

Freedom Debt Relief image
  • Price: The cost of Freedom Debt Relief will be based on the debt you entered the program with: between 15 and 25 percent of your total. You can call (844) 752-5316 or get a free consultation here
  • Debt Qualification: Freedom Debt Relief requires you to enroll a minimum of $15,000 in unsecured debt.
  • Features: Freedom Debt Relief provides a number of services, including, traditional consolidation, reduction and bankruptcy options. They also see you through the entire process and beyond by providing pragmatic guides to help you manage your debt, in addition to credit counseling. Given the above-mentioned services it’s no wonder this company has a slight advantage.
  • 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.

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.

CuraDebt Debt Relief Review

Curadebt Website

CuraDebt Debt Relief Review image
  • Management tools: Paired with debt settlement services, CuraDebt offers a number of debt management tools which can assist you in cutting down your debt while simultaneously attempting to settle it.
  • Price: CuraDebt differs from most debt settlement companies, regardless of your total debt or circumstances: they charge 20 percent of the total debt settled. Additionally, there is also a monthly cost $10.75.
  • Time frame: CuraDebt is within the range of most debt settlement programs, typically taking anywhere from 24 to 48 months.
  • Other highlights: CuraDebt also specializes in settling business debts, and arranges for a personal advisor to see you through the entire settlement process.
  • Available states: CuraDebt is offered in 38 out of the 50 states, although limited, it surpasses most other debt settlement services.

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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Advertising Disclaimer: CreditReviews does receive compensation for some of the services that we recommend, although we only recommend services that we truly believe are the best.