We picked National Debt Relief (NDR) as the best overall debt settlement company because it beat the competition in just about every respect. NDR will attempt to help you settle your outstanding debt for less than you owe; if it’s successful, it charges 15% to 25% of the settled debt. NDR works with many common types of debt, incluꦫding credit cards, lines of ▨credit, personal loans, collection accounts, and even business debts. 

You’ll need to be at least $10,000 in debt to work with National Debt Relief, which is a bit more than most companies we researched. NDR is accredited by two well-known names in the industry: the American Association of Debt Resolution (AADR) and the International Association of Professional Debt Arbitrators (IAPDA).

National Debt Relief has good customer reviews for the most part, too. It scored 4.7 out of 5 on Trustpilot, with over 42,000 reviews, and 4.7 on the Better Business Bureau (BBB) with over 5,000 reviews. But the company isn’t transparent about the fees involved with the savings account that you’ll need to open as part of the process, and those fee🎉s can add up quite a bit over the months it takes to resolve a debt settlement program. (You’ll usually have to pay those fees with any debt settlement company.)

National Debt Relief was founded in 2009 and has headquarters in New York City. Read more in our 澳洲幸运5官方开奖结果体彩网:full National Debt Relief review.

New Era Debt Solutions has a higher debt minimum than many other debt relief companies, but it also has over 25 years of experience helping people settle their unsecured debts for le🐻ss. And its fees are about as good as it gets (the high end of 23% is the lowest among all companies we researched). 

New Era has great customer reviews, too. Trustpilot gives it 4.9 stars with over 400 reviews, and its BBB profile boasts 4.94 stars (but with about 50 reviews). Customers on Google Reviews rated it 4.9 stars, with over 220 reviews. The company has no complaints with the CFPB.

New Era Debt Solutions is based in California and was founded in 1998. Read our full 澳洲幸运5官方开奖结果体彩网:New Era Debt Solutions review.

Freedom Debt Relief (FDR) has been in operation for over 20 years (founded in 2002), and in that time it claims to have helped over one million customers find relief from a total of $18 billion in debt. Despite its consumer protection law violations (settled in 2019), the company enjoys high customer satisfaction ratings.

FDR’s Trustpilot rating is an “Excellent” 4.6, with over 45,000 reviews, and the BBB has it at 4.45. On Google Reviews it’s a similar picture, with 4.6 stars. Overall, the company is almost as highly rated as our top pick for custo♎mer satisfact♏ion.

Freedom Debt Relief covers a wide variety of debts, from the common (credit card debt) to the less common (澳洲幸运5官方开奖结果体彩网:payday loans). Its service may be expen🍎sive because it charges based on your initial amount of debt, 🐽but FDR offers a program guarantee that limits the fees you’ll pay. 

Freedom Debt Relief is based in San Mateo, California. Read our full 澳洲幸运5官方开奖结果体彩网:Freedom Debt Relief review.

Accredited Debt Relief (a d🅰ivision of Beyond Finance) is our number one choice for customer service for a few reasons: It provides a variety of ways to get in touch with customer support, with great daily availability, and it has top-notch reviews from past customers. 

Customer service is available by phone, email, and live web chat (web chat through its partner, Beyond Finance). Accredited Debt Relief has better availability than many other companies—you can get in touch with them from 8 a.m. to 11 p.m. EST on weekdays, and 8 a.m. to 10 p.m. EST on weekends. Beyond Finance offers a mobile app (a rare feature), available for iPhone and Android, although it’s not clear if customers o🅠f Accredited Debt Relief can use it.

Accredited Debt Relief earned one of the highest overall customer satisfaction ratings among all of the debt settlement companies we researched. It has 4.8 stars on Trustpilot and 4.89 on the BBB, with thousands of reviews. It also holds a variety of accreditations: AADR, IAPDA, and Consumer Debt Relief Initiative (CDRI).

Unlike many other companies, ဣAccredited Debt Relief usually charges 25% for any debts it can successfully settle, rather than a range of fees. This can give you some peace of mind because you can more easily calculate your total costs, but it also means you might end up paying more than you otherwise would.

Accredited Debt Relief was founded in 2011 and is based in Houston, Texas. Read our full 澳洲幸运5官方开奖结果体彩网:Accredited Debt Relief review.

Any amount of debt could be ꦗtoo much, but many debt relief companies have minimum debt requirements—you might need $7,500 or as much as $10,000 in debt before they’ll work with you. But Money Management International (MMI) has no minimum debt requirement to enroll in a debt management program, so you don’t have to wait until the problem is that big before seeking help. 

MMI offers 澳洲幸运5官方开奖结果体彩网:debt management plans (DMPs) —these are payment plans that can help you pay what you owe without major damage to your credit. Fees for debt management plans are on a sliding scale, based on income; enrollment fees can be as low as $0 or as high as $75, and monthly fees range from $0 to $59. M꧙MI also provides help with housing issues, bankruptcy, disaster re🍰covery, and more.

Money Management International offers superb customer service availability, with phone support open 24/7. Past customers agree that MMI provides a high-quality service, giving it 4.7 stars on Trustpilot and 4.89 on the BBB. Many reviewers praise the company’s friendly, helpful credit counselors and efficient service.

Money Management International was founded in 1958 (the oldest among debt relief companies we researched) and is based in Stafford, Texas. Learn more in our full review of 澳洲幸运5官方开奖结果体彩网:Money Management International.

Pacific Debt Relief is only available in about half the country, but its 澳洲幸运5官方开奖结果体彩网:debt settlement fees are just as low as our best overall pick, so it’s worth a look if you live in an eligible 🌸state. You’ll pay 15% to 25% of any debt that Pacific is able to settle; according to a customer support rep, the percentage you pay is based on the amount of settled debt. Unfortunately, like many companies, it doesn’t disclose the fees for the savings account that will hold your settlement fund.

Past customers are pleased with Pacific’s debt settlement services, with very few exceptions. Raters on Trustpilot give it 4.7 stars, with nearly 2,000 reviews; most of the comments refer to professional, pleasant interactions with customer support. It’s even better at the BBB, where Pacific has 4.9 stars and a similar number of reviews.

Pacific Debt Relief has been in business since 2002 and is based in San Diego, California. Learn more in our full 澳洲幸运5官方开奖结果体彩网:Pacific Debt Relief review.

Apprisen earned the top spot among credit counseling agencies, with great scores across the board. It has low fees, offers a wide variety of services, and has excellent (but limited) customer ratings.

Apprisen offers debt management plans, not debt settlement. Apprisen can negotiate with your creditors to figure out a payment plan and may be able to help get your interest rates reduced. But debt management plans require you to pay off the debt you owe—there is no debt forgiveness involved, but that also means you won’t have a 澳洲幸运5官方开奖结果体彩网:settlement on your credit reports bringing your credit score down. You’ll make one monthly payment to Apprisen to cover al🌼l the creditors involved in your debt management plan until your debts are paid off.

Credit counseling services charge fees based on income, and they usually have a maximum amount they’ll charge. Apprisen may waive the enrollment and monthly fees entirely, depending on your financial situation, or it may charge up to $45 for each for DMPs. That’s a bit less expensive t💙han the average among credit counseling services we researched. 

Apprisen also offers comprehensive counseling services ꦯto help with all kinds of debt problems, from housing to bankruptcy.

Apprisen was founded in 1955 and is headquartered in Gahanna, Ohio. Learn more in our full 澳洲幸运5官方开奖结果体彩网:Apprisen credit counseling review.

CuraDebt is our top-rated company with resources to 澳洲幸运5官方开奖结果体彩网:help with tax debt; in fact, it’s the only company 🐽to make our best list that works with tax debt. The company’s website looks like a re✨lic of the past, but it offers comprehensive debt settlement services that cover most debt problems people are likely to have. 

CuraDebt’s fees are relatively low, so you shouldn’t expect to be charged extra just because you’re dealing with tax debt. Customer reviews are decent overall, but there aren’t many of them to see—the company has 4.9 stars on Trustpilot and 4.7 on the BBB, but with under 100 reviews across those sites.

One downside is CuraDebt’s availability—it’s available in 41 states and D.C., al♛though it can refer people to local law firms in most other states.

CuraDebt was founded in 1996 and is based in Florida. Read more in our full 澳洲幸运5官方开奖结果体彩网:CuraDebt Debt Relief review.