Brendan is a full-time senior editor of financial products and services at Investopedia. He has a decade of experience researching, writing, and editing content for financial and business publications about banking, credit and debt, auto loans, credit cards, and more. Previously, he was a managing editor at Credit Card Insider.
Betsy began her career in international finance and it has since grown into a comprehensive approach to journalism as she's been able to tap into that experience along with her time spent in academia and professional services.
Investopedia’s found National Debt Relief to be the best overall choice for anyone seeking help from a debt settlement specialist. With over 1.2 million people helped, it has a long track record of successful debt settlement negotiation. If you’d like to start with credit counseling (a wise idea), our top-rated company is Apprisen.
Investopedia’s research and editorial teams examined 26 of the best debt relief companies in September 2025 (covering debt settlement and credit counseling) and collected over 1,500 data points. We evaluated each company based on its fees, services, customer satisfaction, and other factors to determine our best picks.
Best Debt Relief Companies for October 2025
Best Overall for Debt Settlement, Best for Credit Card Debt: National Debt Relief
“Debt relief” can refer to a variety of financial services, including debt settlement, credit counseling, bankruptcy, and debt consolidation. Our ranking here shows debt settlement firms and credit counseling services. Be aware that debt settlement will have severe negative consequences for your credit.
Best Overall for Debt Settlement,
Best for Credit Card Debt: National Debt Relief
Highest-rated company that works with credit card debt
Cons
Residents of Connecticut, Oregon, Vermont, and West Virginia are not eligible
Savings account fees are not disclosed
Doesn’t offer legal support
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 enrolled debt. NDR works with many common types of debt, including credit card balances, 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 some other companies but not an uncommon requirement. NDR is accredited by two well-known names in the industry: the Association for Consumer Debt Relief (ACDR) and the International Association of Professional Debt Arbitrators (IAPDA).
National Debt Relief claims to have helped over 1.2 million people, more than any other debt settlement service included in our research. It has good customer reviews for the most part, too—it earned an overall score of 4.7 out of 5 in Investopedia’s combined customer satisfaction rating, which aggregates ratings from a number of sources.
National Debt Relief was founded in 2009 and has headquarters in New York City. Read more in our full National Debt Relief review.
By law, debt relief companies can’t charge upfront fees. So, you’ll start with a free consultation to see if the program is a good fit. If you decide to move forward, you’ll open a savings account to hold your settlement funds, which will likely have a setup and monthly fee (these fees are not disclosed).
Other than that, you’ll only be charged a fee if National Debt Relief is able to reach a settlement and you agree to the terms. NDR will charge 15% to 25% of the enrolled debt—it’s a hefty fee, although the lower end is as low as most of the debt settlement companies we researched (but not the lowest). NDR says that on average, customers usually end up paying 45% less than is owed.
Savings account is somewhat expensive (but fees are disclosed)
Consumer protection law violations on record
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 over $20 billion in debt. Despite its consumer protection law violations (settled in 2019), the company enjoys high customer satisfaction ratings.
Unlike many debt relief companies, FDR works with a network of attorneys who are on hand to help deal with any legal actions brought against you by creditors. Although these attorneys won’t represent you in court, they’ll attempt to get creditors to settle any lawsuits and agree to debt settlement instead.
Freedom Debt Relief covers a wide variety of debts, from the common (credit card bills) to the less common (payday loans). Its service includes a guarantee that, again, most companies don’t offer: If your total settlement cost ends up being more than the total amount originally enrolled in the program, FDR will refund you the difference. That can save you some money compared to other programs, especially if the process takes excessively long.
FDR is available in 41 states, either directly or through legal partners. You can work with FDR if you’re a resident of any state except Colorado, Hawaii, North Dakota, Oregon, South Carolina, Vermont, Washington, Wisconsin, West Virginia, or Wyoming.
Freedom Debt Relief’s program starts with a free consultation to go over your debt situation. If you decide to work with FDR, you’ll open up a savings account with a separate bank. FDR is one of very few debt relief companies to mention how much this account costs—in this case, there’s a $9.95 setup fee and an ongoing $9.95 monthly charge. This is unfortunate, given that many high-paying savings accounts are available for free, but it’s par for the course if you hire a debt settlement company.
If Freedom Debt Relief is able to negotiate a debt settlement with your creditors, you’ll pay 15% to 25% of your enrolled debt. According to the company, customers typically end up settling for 40% to 50% of their enrolled debt before fees, or 28% after fees.
Best for Low Fees,
Best for Small Debts: Money Management International
Any amount of debt could be too 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) is much more accessible. It offers both debt settlement and credit counseling, and requires only $2,500 in debt to enroll in a settlement program, or no debt at all to enroll in credit counseling.
On top of that, MMI’s debt settlement fees are the lowest of any company included in our research. You’ll pay just 7.5% to 18% of the enrolled debt—that’s about half as much as the next-lowest option. Given how expensive debt settlement can be, this could represent a huge savings. If you end up needing legal help during the settlement process, MMI offers optional legal support through its partner, Fortress Legal, for $30 per month.
Along with debt settlement, MMI offers credit counseling and debt management plans (DMPs)—these are payment plans, rather than debt forgiveness, which 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 range from $0 to $75, and monthly fees range from $0 to $59. MMI also provides counseling for housing issues, bankruptcy, disaster recovery, 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, summing up to a rating of 4.7 stars in Investopedia’s combined customer satisfaction rating.
Money Management International was founded in 1958 (the oldest among debt relief companies we researched) and is based in Stafford, Texas.
If you hire Money Management International for debt settlement and it successfully negotiates your debt, you’ll be charged 7.5% to 18% of the enrolled debt. MMI does not charge a fee for the savings/escrow account that holds your settlement fund—this is much different from other companies, some of which charge nearly $20 per month for that account.
Money Management International’s credit counseling service begins with a free initial consultation, which you can sign up for online or by calling the company. You’ll discuss your financial situation with a debt counselor and explore some options. MMI’s paid counseling services are available on a sliding fee scale and include:
Debt management plans: One-time enrollment fee of $0 to $75; monthly fee of $0 to $59 after that. Debt management plans are usually intended to pay off your debt within five years.
Bankruptcy counseling: Up to $50 for pre-filing and pre-discharge courses.
Reverse mortgage counseling: $199 for a course in how reverse mortgages work, required if you're taking out an HECM loan ($299 for proprietary reverse mortgages).
First-time homebuyer counseling: Up to $189 for a course on buying your first home, required by some lenders.
Money Management International also offers free support in these areas:
Credit report review and recommendations on how to improve your credit
Founded in 1999, New Era Debt Solutions has over 25 years of experience helping people settle their unsecured debts for less. Over that time, it claims to have helped settle over $275 million in debt.
The debt settlement process requires you to stop paying your creditors, and those creditors may end up sending you some intimidating letters. New Era says that your chances of being sued while pursuing debt settlement are “quite low,” but if a creditor does bring a lawsuit against you, the company has attorneys on staff to help negotiate your settlement to a better resolution (but they won’t represent you in court). This can bring some peace of mind to debt settlement, even if no attorneys end up getting involved.
New Era is available in most states across the country and is easy to get ahold of, with live online chat to answer any questions you may have. It earned a high score in Investopedia’s combined customer satisfaction rating, with 4.6 out of 5 stars. The company has no open complaints with the CFPB.
Your experience with New Era starts with a free consultation. Then, if you think debt settlement and New Era are the right way for you to become debt-free, you’ll need to open a savings account with a monthly fee of $18.95. You’ll make monthly payments into that account to fund your settlement offers.
If any of your debts are successfully settled, New Era will charge 15% to 23% of the enrolled debt.
Best for Accessible Customer Service: Accredited Debt Relief
Accredited Debt Relief (a division 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 many satisfied customers.
Customer service is available by phone, email, and live web chat (web chat is only available through the Beyond Finance website). 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 of Accredited Debt Relief can use it.
Accredited Debt Relief earned one of the highest combined customer satisfaction ratings among all of the debt settlement companies we researched, at 4.86 out of 5. It and/or Beyond Finance also hold accreditations from a variety of professional organizations: ACDR, IAPDA, and Consumer Debt Relief Initiative (CDRI).
Accredited Debt Relief was founded in 2011 and is based in Houston, Texas. Read our full Accredited Debt Relief review.
Accredited Debt Relief’s service begins with a free consultation. The company will negotiate with your creditors to attempt to settle your debts for less than you owe. You’ll be charged $10.75 per month for the associated savings account, in which you’ll make deposits to build up your settlement fund.
If Accredited Debt Relief is able to negotiate a settlement and you agree to the terms, you’ll be charged up to 25% of the enrolled debt.
Tip
You may also be offered debt consolidation loans through Accredited Debt Relief’s partners, but we don’t recommend getting a loan this way. Instead, check with a variety of debt consolidation loan lenders to find the lowest rates you can get before making a decision.
TurboDebt is a relative newcomer to the debt settlement scene, but over 650,000 people have already enrolled to find help resolving their debts. TurboDebt has garnered thousands of great reviews from happy customers, giving it the best Investopedia overall customer satisfaction rating among all of the companies we researched, with a score of 4.9 out of 5.
TurboDebt’s services are straightforward. It works with basic types of unsecured debt, like credit card and homeowner debt, along with business debts. And it’s accredited by the ACDR and IAPDA, professional organizations that ensure a certain standard of service and compliance with regulations.
TurboDebt is available in most states, except the few specified above. It’s headquartered in Sunrise, Florida.
TurboDebt’s service starts with a free consultation to make sure you’re a good fit for debt settlement. If you decide to enroll, you’ll need to open a savings account with a partner bank, but the company doesn’t disclose the fees associated with that account.
If a settlement is reached, TurboDebt charges 15% to 25% of the enrolled debt. According to the company, customers save an average of 46% before fees, or 25% after fees.
Also Great for Debt Settlement: Pacific Debt Relief
Pacific Debt Relief is 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, a fairly standard fee range for debt settlement companies. Unfortunately, like many companies, it doesn’t disclose the fees for the savings account that will hold your settlement fund.
Pacific is able to help with a range of debts, from typical consumer debts like credit cards and medical bills to repossessions and business debts. It’s accredited by the ACDR, IAPDA, and CDRI.
Past customers are quite pleased with the service, overall—Pacific earned a score of 4.81 out of 5 in Investopedia’s combined customer satisfaction rating. According to the company, most clients save 30% to 50% on their enrolled debt.
Pacific Debt Relief has been in business since 2002 and is based in San Diego, California. Learn more in our full Pacific Debt Relief review.
Important
Pacific Debt Relief is available in Alabama, Alaska, Arizona, Arkansas, California, Colorado, the District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Vermont, Wisconsin, and Wyoming.
As usual, you begin with a free consultation with Pacific Debt Relief. If you decide to work with this company you’ll need to open a savings account, which will likely have a monthly fee.
If Pacific is able to settle any of your debts and you agree to the terms, you’ll pay a fee of 15% to 25% of the enrolled debt.
Counseling services for taxes, housing, student loans, and more
Several customer support channels make it easy to get help
Cons
Weekend customer support is not available
Some counseling courses may not have much or any human interaction
Certain counseling services have higher fees
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 (although limited) customer ratings.
Apprisen offers credit counseling and debt management plans (DMPs), not debt settlement. Under a DMP, Apprisen can negotiate with your creditors to figure out an affordable payment plan and may be able to get your interest rates reduced. Apprisen’s maximum DMP fees are a bit less than average among counseling agencies we researched.
Debt management plans require you to pay off the entire debt you owe, but that also means you won’t have a settlement on your credit reports bringing your credit score down. You’ll make one monthly payment to Apprisen to cover all the creditors involved in your debt management plan until your debts are paid off.
Apprisen also offers a variety of specific counseling services to help with all kinds of debt problems, from housing to bankruptcy.
Apprisen was founded in 1955 and is headquartered in Gahanna, Ohio.
Apprisen starts with a free financial review session. You’ll speak with a counselor about your debt, and together you’ll figure out which service would be most effective (and how much it’ll cost). Apprisen’s fees are reduced or waived entirely for those who meet income qualifications.
Debt management plans: $0 to $45 to enroll; $0 to $45 per month.
Credit health plan: $65 for individuals or $85 for couples; includes a deep dive into your credit and development of a plan to improve it over time.
Financial coaching: A one-time fee of $300 for financial goal setting, action plan, on-demand access to a counselor, and other financial tools.
Financial health plan: $95 for a personalized financial plan covering your budget, debts, credit, savings, and goals.
Bankruptcy counseling: $25 for an online pre-bankruptcy counseling course; $50 for an in-person post-bankruptcy workshop.
Pre-purchase mortgage counseling: Up to $90 for advice on getting ready to take out a mortgage, as required by some lenders.
In addition to the paid counseling options above, Apprisen offers free counseling for the following situations and needs:
We researched tax relief companies separately from other debt relief companies, and found Precision Tax Relief to be the best option for people struggling with tax debt. Anyone nationwide with any amount of tax debt—federal or state, personal or business—is welcome to apply.
Precision employs attorneys, enrolled agents, and CPAs who will look at your situation, explain your options, and help you figure out the best way forward. The company is accredited by the American Society of Tax Problem Solvers (ASTPS), the National Association of Enrolled Agents (NAEA), and the American Institute of CPAs (AICPA).
You can access a range of services from Precision, like help making offers-in-compromise to the IRS, setting up long-term installment plans, or dealing with wage garnishment. You’ll also find innocent spouse relief and tax lien assistance, but no tax audit representation.
Precision Tax Relief was founded in 1967 and has headquarters in Coeur d’Alene, Idaho.
Precision Tax Relief offers a free initial consultation. If the service could be of some use, you’ll be given a quote for the full price, so there’ll be no surprises. You’ll be charged a specific flat fee rather than a range or estimate, which can be paid in a lump sum or in installments.
Why You Should Trust Us
Investopedia was founded in 1999 and has provided original recommendations on the best debt relief companies since June 2020. Investopedia’s research and editorial teams collected over 1,500 data points on debt relief companies (including debt settlement and credit counseling services) to develop comprehensive, unbiased recommendations that serve people in a variety of circumstances.
Warning
The Federal Trade Commission publishes a list of companies and people banned from participating in the debt relief business. Given how common debt relief scams and unrealistic promises to solve debt problems are, it's worth checking this list before working with a debt relief company of any kind.
How Does Debt Relief Work?
There are many forms of debt relief, including debt settlement companies that work with creditors on your behalf to pay off your debts for less than what you owe. The fee for their services is usually a percentage of your settled debt. For example, if the fee is 15% and your settled debt is $2,000, your cost would be $300. Some companies might base their fees on your initial debt.
However, your debt relif costs are not limited to that fee. You'll need to establish a savings account from which your debts will be paid off, and you will be responsible for the setup fee and any other fees associated with that account. The debt relief company will use the funds you add to that savings account to pay off your creditors.
Debt settlement companies cannot charge you any fees until they have settled your debt, so they won't agree to work with you until after a consultation that determines their services are a good fit for your situation. You may be charged initial fees for opening the savings account, however; these fees can be charged because they come from the bank providing the savings account, rather than the debt relief company.
Who Is Debt Relief Good For?
Debt relief options may be worth considering for those who can't keep up with their monthly payments but still have enough income or cash on hand to settle their debts and pay the fees charged by a debt relief company.
It's also best for those who are prepared to handle the hit their credit scores will take. If creditors are settling your debts for less than what you initially owed, you should expect your FICO scores to go down, whether you are working with a debt relief company or not.
Tip
Nonprofit credit counselors can provide free or low-cost advice for people struggling with debt. We recommend seeking credit counseling before agreeing to work with a debt settlement company. Credit counselors offer free initial consultations, and they can help you understand your debt and your options before committing to a debt relief plan.
How Fast Can I Get Debt Relief?
Different forms of debt relief have different potential timelines.
When it comes to debt settlement, companies say it typically takes 24–48 months to complete the program. The actual amount of time it takes will depend on the amount of debt you have, how quickly you can build up a settlement fund, the willingness of your creditors to negotiate, and the negotiation skills of the debt relief company. The faster you can build up a settlement fund and the less your creditors ask for, the sooner you can be out of debt.
Debt relief through credit counseling is similar. Credit counselors can negotiate lower interest rates for you, which helps prevent your debt from growing as fast, but they can't usually reduce the amount of debt you owe. So, the amount of time it takes to get out of debt depends mostly on fast you can pay it off.
Debt relief through bankruptcy may be completed relatively quickly. Chapter 7 bankruptcy, which doesn't require repayment, may take three to six months from filing to discharge of debts. Chapter 13 bankruptcy, which does require a repayment plan, may take 36 to 60 months to finish repayment.
Common Debt Relief Terms to Understand
If you are considering working with a debt relief company, you should familiarize yourself with these common terms:
Creditor: A creditor is the institution that holds your debt. It is who you owe money to. Creditors will try to collect on the debt you owe, even if you are working with a debt relief company, but they may be willing to accept less than the full amount.
Unsecured debt: If you are working with a debt relief company, it is for unsecured debt, which is not tied to any physical property. A car loan or a home mortgage, for example, is considered a secured debt, because the car or home secures the loan and can be taken by the creditor.
Bankruptcy: Working with a debt relief company is a way to avoid bankruptcy, which is a legal process that discharges your debt in the extreme event that you cannot repay it. Bankruptcy is more damaging to a person's credit score than settling debts for less than what you owe.
Debt consolidation: An alternative to working with a debt relief company is a debt consolidation loan. In this case, you would obtain a single loan, preferably with a lower interest rate than what you are paying on your outstanding debts, and use those funds to pay off your other loans. The goal is to consolidate multiple loans into a single loan with a lower monthly payment than your previous loans combined.
Financial plan: In addition to working with a debt relief company, it's important to have a financial plan for long-term financial health. More than just a budget, it helps to identify financial goals for the short-term and the long-term and establishes a framework for reaching those goals.
Pros & Cons of Debt Relief Companies
Pros
Reduces debt
Saves time
Cons
Reduces credit scores
May not work
Complicated fees
Pros Explained
Reduces debt: If everything goes according to plan, you could possibly reduce your debt by a significant amount, even after paying the debt relief company.
Saves time: You could negotiate with individual creditors yourself, but that can be time-consuming, and you might not have the skills or experience to be successful. Debt relief companies make it so you don't need to handle this on your own.
Cons Explained
Reduces credit scores: Settled debts will have a negative impact on your credit, but the negative effects may not be as bad as what you'd experience after filing for bankruptcy.
May not work: Debt relief companies are motivated to succeed because their fees are based on their ability to settle your debts, but that doesn't guarantee that they'll be able to do so. Even if they can, the reduced debt plus the fees might end up being just as much as what you started with.
Complicated fees: Some debt relief companies base fees on settled debt while others base them on initial debt. Plus, you need to pay to set up a savings account from which your debts will be paid.
Frequently Asked Questions
What Is the Highest-Rated Debt Relief Company?
National Debt Relief is the highest-rated debt relief company, according to Investopedia's independent research. It offers debt settlement services across most of the country, for relatively low fees compared to other debt relief companies.
Does Debt Relief Destroy Your Credit?
Different debt relief options have different effects on your credit. Debt settlement—paying off an account balance for less than you owe—will cause quite a bit of damage to your credit, but it could be well worth the price of debt forgiveness. It'll stay on your credit reports for seven years, although the negative effect diminishes over time even before it drops off. Bankruptcy is similar, although your debt may be completely eliminated. A debt management plan through a credit counseling agency has no direct effect on your credit.
Are There Government Grants to Pay Off Debt?
In general, there are no federal government debt relief programs to pay off personal debts like personal loans, credit cards, and auto loans. There may be programs to help with those kinds of debt from your state of residence, but not from the federal government.
You can find some forms of federal government debt relief for other types of debt, however. Mortgages may be eligible for forbearance or modification, and special situations may prompt the government to act—a Homeowner Assistance Fund, for example, was set up for homeowners who struggled to make payments during the COVID pandemic. There are also debt relief programs for federal student loans (not private student loans), like deferment, forbearance, forgiveness in certain circumstances, and income-based repayment plans.
What Are the Downsides of Debt Relief Programs?
The main downsides of debt relief programs are their costs and their effects on your credit. Debt settlement, for example, requires you to pay some portion of the debt; if you work with a debt settlement company, you'll also be charged a hefty fee based on the amount of debt involved. Debt settlement requires you to become delinquent on your debts, which is bad for your credit, and then debt settlement itself has a negative effect.
Which Is Better, Debt Consolidation or Debt Relief?
The right option for you depends on your situation. If your debts are fairly manageable and you have decent credit, debt consolidation may provide some relief by lowering your total monthly payment and maybe your APR. If your debts are more overwhelming, debt relief through debt settlement or bankruptcy may be required. We recommend speaking with a credit counselor (for free) to better understand your situation and your best options.
Should I Pay Off Credit Card Debt First?
Yes, in general it does make sense to pay off credit card debt first because credit cards tend to have some of the highest interest rates among types of debt. This fits with the debt avalanche method of debt repayment, in which you make the minimum payment on all your debts and then allocate any extra money toward the debt with the highest interest rate. This helps you save the most money on interest over time.
How Fast Should I Pay Off My Student Loans?
Compared to other types of debt, paying off student loans usually isn't a priority. This is because student loans tend to have relatively low interest rates, so they're not as expensive to hold as other types of debt, like credit cards and personal loans. But, if you have some money in savings and some cash to spare, it generally makes sense to pay extra toward your student loans to pay them off faster and save on interest.
How We Chose the Best Debt Relief Companies
Investopedia's research and editorial teams researched the debt relief industry by collecting information directly from company websites and representatives, analyzing consumer sentiment, and conducting a competitive analysis. Investopedia researched 26 debt relief companies (offering either debt settlement, credit counseling, or both).
Investopedia ranked each company across 63 criteria, broken down into the following categories for debt settlement companies:
Costs and fees: 38.00%
Availability: 10.00%
Reputation and stability: 35.50%
Customer experience: 5.50%
Services: 11.00%
The following category weights were used to rank credit counseling services:
Costs and fees: 36.00%
Availability: 15.00%
Reputation and stability: 24.00%
Services: 19.50%
Customer experience: 5.50%
Data was collected in September 2025. Investopedia gathered over 1,500 original data points to score and rank debt relief companies and provide the best possible recommendations for consumers with overwhelming debt.
Read our full methodology to learn more about how we determined the best debt relief companies.
Investopedia / Alice Morgan
Article Sources
Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our
editorial policy.
Association for Consumer Debt Relief. “Member List.”
International Association of Professional Debt Arbitrators. “National Debt Relief.”
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