Best Debt Relief Companies in 2026: Top Rated Debt Relief Services

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Debt relief companies help consumers regain control of unsecured debt such as credit cards, medical bills, and personal loans. These firms use strategies like debt settlement, consolidation loans, and structured repayment plans to reduce financial strain. Choosing the right provider depends on how much you owe, the type of debt you have, and whether you want to reduce balances or simply make them more manageable.

Understanding Debt Relief Services

Debt relief is not a single product. It is a category of financial services designed to help people who are struggling to keep up with unsecured debt payments.

Debt settlement

Debt settlement companies negotiate with creditors to accept less than the full balance in exchange for a lump sum or short term payment plan. This option is best suited for people who are already behind on payments and have at least $7,500 to $10,000 in unsecured debt.

Credit counseling and debt management plans

Credit counseling agencies review your finances and, if appropriate, place you into a Debt Management Plan. A DMP does not reduce what you owe, but it can significantly lower interest rates and consolidate multiple bills into one monthly payment.

Debt consolidation loans

Some providers also arrange consolidation loans that combine multiple balances into a single loan with a fixed payment. Approval depends on credit and income, and this option works best for borrowers who are not yet in severe delinquency.

Top Debt Settlement Companies

These companies specialize in negotiating reductions on unsecured debt and charging a performance based fee only after results are achieved.

1. Freedom Debt Relief

Freedom Debt Relief is one of the largest names in the industry and focuses on helping consumers settle high interest credit card and medical debt. It also offers consolidation loans and financial education to help prevent future problems.

  • Handles credit cards, personal loans, and medical bills
  • AFCC member with BBB A+ rating
  • Fees typically range from 15 to 25 percent of enrolled debt with a $7,500 minimum
  • Trustpilot rating around 4.6 out of 5 from tens of thousands of customers

2. National Debt Relief

National Debt Relief is known for its scale and long track record. The company focuses on unsecured debt and also offers consolidation loan options for qualified clients.

  • Covers credit cards, personal loans, and business related unsecured debt
  • Accredited by IAPDA and ACDR with BBB A+ rating
  • Fees usually run 15 to 25 percent with a $10,000 minimum
  • Trustpilot rating near 4.7 out of 5

3. Accredited Debt Relief

Accredited Debt Relief combines debt settlement with access to partner credit counseling and consolidation services. This gives clients more flexibility as their financial situation changes.

  • Works with credit cards, personal loans, and lines of credit
  • Member of AADR, IAPDA, and CDRI with BBB A+ status
  • Fees up to about 25 percent of enrolled debt with a $10,000 minimum
  • Trustpilot rating around 4.8 out of 5

4. New Era Debt Solutions

New Era has been in business since 2001 and offers a more boutique style approach, including access to legal referrals when needed.

  • Handles credit cards, payday loans, and collections
  • BBB A+ rating
  • Fees between 15 and 23 percent with a $10,000 minimum
  • Trustpilot rating close to 4.9 out of 5

5. Pacific Debt Relief

Pacific Debt Relief is known for flexible program terms and a relatively low minimum debt threshold compared with many competitors.

  • Covers credit cards, medical bills, personal loans, and even some business and auto related debts
  • BBB A+ accredited and member of the Consumer Debt Relief Initiative
  • No upfront fees and typical savings around 50 percent before fees
  • Trustpilot rating around 4.8 out of 5

6. Americor Financial

Americor focuses on debt resolution through settlement and may involve partner law firms for more complex cases.

  • Handles unsecured credit cards and loan balances
  • BBB A+ and ACDR member
  • Fees typically range from 14 to 29 percent
  • Trustpilot rating near 5 out of 5

7. DebtBlue

DebtBlue provides a broad menu of services including settlement, consolidation, and bankruptcy education.

  • Works with credit cards, medical debt, and personal loans
  • BBB A+ with IAPDA Platinum status
  • Estimated fees around 18 to 25 percent
  • Trustpilot rating around 4.9 out of 5

6. TurboDebt and ClearOne Advantage

Both TurboDebt and ClearOne Advantage focus on debt settlement for consumers with significant unsecured balances and have built strong customer satisfaction scores.

  • Specialize in credit cards and personal loans
  • BBB A+ ratings
  • Fees generally fall in the 15 to 25 percent range
  • Trustpilot ratings near 5 out of 5

Best Credit Counseling and Debt Management Agencies

For people who can still make monthly payments but need relief from high interest rates, nonprofit credit counseling agencies offer a safer and lower cost option.

1. Apprisen

Apprisen provides comprehensive financial counseling and Debt Management Plans as well as housing, bankruptcy, and student loan guidance.

  • Handles all unsecured debts plus housing and student loan issues
  • NFCC and HUD accredited with Charity Navigator four star rating
  • DMP fees up to $45 to enroll and about $45 per month
  • Trustpilot and BBB ratings around 4.9 out of 5

2. Cambridge Credit Counseling

Cambridge is a long standing nonprofit that focuses on helping consumers reduce interest and organize their payments.

  • Works primarily with credit cards and personal loans
  • HUD approved and NFCC member
  • Enrollment up to $75 and monthly fees up to $50
  • Trustpilot rating near 4.9 out of 5

3. InCharge Debt Solutions

InCharge offers debt management, housing counseling, and financial coaching with a strong national footprint.

  • Covers unsecured debt and housing related issues
  • NFCC and HUD accredited
  • Typical DMP fees average around $33 per month
  • Trustpilot rating around 4.7 out of 5

4. Money Management International and GreenPath

Both MMI and GreenPath are among the largest nonprofit counseling agencies, offering nationwide support and strong educational resources.

  • Handle credit cards, personal loans, housing, and student loans
  • NFCC and HUD accredited with BBB A+ ratings
  • Monthly DMP fees usually range from $30 to $75 depending on state
  • Strong consumer satisfaction across review platforms

How to Choose the Right Debt Relief Company

The best company for you depends on the nature of your financial hardship and your long term goals. Settlement companies are designed for people who cannot afford to repay what they owe and need a reduction in principal. Credit counseling agencies are better for those who want to pay off their balances in full but need lower interest rates and simpler payments.

When comparing providers, look for these qualities.

  • Clear disclosure of fees and minimum debt requirements
  • Accreditation from organizations such as BBB, NFCC, AFCC, IAPDA, or ACDR
  • Strong customer reviews and a long operating history
  • Services that match your debt types and financial situation

Final Thoughts

Debt relief can be a powerful tool when used correctly. Companies like Freedom Debt Relief, National Debt Relief, and Americor are well suited for consumers who need to negotiate down large unsecured balances. Nonprofit agencies such as Apprisen, GreenPath, and Money Management International are ideal for those who want a structured, lower cost path to becoming debt free. By understanding your options and choosing a reputable provider, you can take a decisive step toward financial stability.