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Best Debt Relief Companies of 2025

Krystine Carneiro's Photo

By Krystine Carneiro

Journalist

Fact Checked

Published on October 30, 2025

Updated on November 19, 2025

National Debt Relief

Full Star Full Star Full Star Full Star Half Star 4.7

VISIT SITE

Negotiates with creditors to lower balances and help clients become debt-free.

  • Debt Relief
  • debt settlement
  • debt consolidation
  • nonprofit
  • BBB accredited
  • loan
  • credit
  • credit card debt
  • debt help
  • debt relief company reviews

Best Debt Relief Companies of 2025

Choosing the right debt relief company can help you regain control of your finances faster and more securely. This guide highlights the top five debt relief companies in 2025, focusing on reputation, services, and customer satisfaction. Before enrolling, consider factors such as minimum debt requirements, BBB ratings, service range, and how each company’s structure aligns with your financial situation. A reliable partner can help you avoid unnecessary costs and move toward financial stability.

Key Takeaways

Best Overall

National Debt Relief

National Debt Relief's Logo

Full Star Full Star Full Star Full Star Half Star 4.7

VISIT

(866) 598-9148

Best Nonprofit Option

Cambridge Credit Counseling

Cambridge Credit Counseling's Logo

Full Star Full Star Full Star Full Star Half Star 4.6

VISIT

(866) 598-9334

Best for Nationwide Service

Freedom Debt Relief

Freedom Debt Relief's Logo

Full Star Full Star Full Star Full Star Half Star 4.5

VISIT

(866) 598-9330

Best for High Debt Balances

JG Wentworth

JG Wentworth's Logo

Full Star Full Star Full Star Full Star Half Star 4.5

VISIT

(866) 598-9342

Best Hybrid Option

Americor

Americor's Logo

Full Star Full Star Full Star Full Star Half Star 4.4

VISIT

(866) 598-9194

BBB Rating A+ A+ A+ A+ A
Service Range Settlement Service Range Settlement Settlement Settlement + Loan
Highlight Proven Settlement Results Nonprofit Debt Management Transparent Process & Nationwide Reach 30+ Years Experience in Financial Services Hybrid Settlement & Consolidation Model
Minimum Debt Requirement $10,000 N/A $7,500 $20,000 $10,000
Read our review Read our review Read our review Read our review Read our review

Top Brands in Debt Relief

1. National Debt Relief

A top-rated company with a long history of successful debt settlement programs and an A+ BBB rating. Known for clear communication and a structured enrollment process, it’s one of the most recognized providers in the U.S. Best for: Borrowers with $10,000+ in unsecured debt seeking a proven settlement program.

National Debt Relief

  • BBB Rating

    A+

  • Service Range

    Settlement

  • Minimum Debt Requirement

    $10,000

2. Cambridge Credit Counseling

A nonprofit credit counseling agency offering debt management plans, housing counseling, and bankruptcy education. It focuses on predictable repayment structures with strong third-party trust ratings from BBB and Charity Navigator. Best for: Individuals who prefer a structured, nonprofit approach to managing unsecured debt.

Cambridge Credit Counseling

  • BBB Rating

    A+

  • Service Range

    Counseling

  • Minimum Debt Requirement

    N/A

3. Freedom Debt Relief

One of the largest national settlement companies, Freedom Debt Relief stands out for its transparent process and broad service availability. Clients receive clear timelines, consistent updates, and dedicated account support. Best for: Consumers who want a well-established and widely trusted settlement company.

Freedom Debt Relief

  • BBB Rating

    A+

  • Service Range

    Settlement

  • Minimum Debt Requirement

    $7,500

4. JG Wentworth

With more than 30 years in financial services, JG Wentworth has built strong brand recognition and trust. The company focuses on personalized settlement plans for consumers with larger unsecured debts. Best for: Individuals with $20,000+ in debt seeking an experienced, reputable company.

JG Wentworth

  • BBB Rating

    A+

  • Service Range

    Settlement

  • Minimum Debt Requirement

    $20,000

5. Americor

A hybrid debt relief provider offering both settlement programs and consolidation loans. Clients can choose the solution that best fits their financial situation, with a simple application and dedicated support. Best for: Borrowers looking for flexibility between settlement and loan repayment.

Americor

  • BBB Rating

    A

  • Service Range

    Settlement + Loan

  • Minimum Debt Requirement

    $10,000

6. Credit Associates

Credit Associates provides debt settlement programs with no upfront fees and a client-controlled account structure, focusing on transparent negotiation and predictable timelines. Best for: Consumers with significant unsecured debt who want clear terms and flexible monthly payments.

Credit Associates

  • BBB Rating

    A

  • Service Range

    Debt Settlement

  • Minimum Debt Requirement

    $10,000

7. Accredited Debt Relief

Best for consumers seeking structured debt relief with strong negotiation outcomes.

Accredited Debt Relief

  • BBB Rating

    A+

  • Service Range

    Debt Settlement

  • Minimum Debt Requirement

    $10,000

8. Cero Deuda

Cero Deuda offers debt settlement programs tailored for Spanish-speaking consumers, emphasizing education, bilingual support, and no upfront fees. Best for: Hispanic consumers seeking culturally relevant and trustworthy debt settlement guidance.

Cero Deuda

  • BBB Rating

    A

  • Service Range

    Debt Settlement

  • Minimum Debt Requirement

    $10,000

9. ClearOne Advantage

A BBB-accredited debt relief company focused solely on settlement programs with one structured monthly payment. It emphasizes transparency and strong customer communication throughout the process. Best for: People who want a straightforward, no-upfront-fee settlement program.

ClearOne Advantage

  • BBB Rating

    A+

  • Service Range

    Debt Settlement

  • Minimum Debt Requirement

    $10,000

10. Credit Saint

A credit repair company that focuses on challenging inaccurate or negative credit report items. It complements debt relief strategies for those who want to rebuild credit after resolving debts. Best for: Consumers seeking structured credit restoration to support their financial recovery.

Credit Saint

  • BBB Rating

    A

  • Service Range

    Credit Repair

  • Minimum Debt Requirement

    N/A

11. DebtBlue

DebtBlue provides direct debt settlement services with BBB A+ accreditation, in-house negotiators, and transparent client communication via an online portal. Best for: Consumers seeking professional negotiation and real-time progress tracking through a secure client platform.

DebtBlue

  • BBB Rating

    A+

  • Service Range

    Debt Settlement

  • Minimum Debt Requirement

    $10,000

12. Elevate1 Financial

Elevate 1 Financial offers both debt consolidation and settlement solutions through vetted partners, supported by strong customer feedback and BBB accreditation. Best for: Consumers seeking flexibility between consolidation and settlement plans.

Elevate1 Financial

  • BBB Rating

    A+

  • Service Range

    Consolidation & Settlement

  • Minimum Debt Requirement

    $10,000

13. Pacific Debt

Pacific Debt Relief offers over 20 years of debt settlement experience with AADR and BBB accreditation, focusing on transparent, results-driven negotiation. Best for: Consumers seeking a trusted, long-standing company for structured debt reduction.

Pacific Debt

  • BBB Rating

    A+

  • Service Range

    Debt Settlement

  • Minimum Debt Requirement

    $10,000

14. SoloSuit

Best for consumers facing debt lawsuits who want fast, affordable legal document support.

SoloSuit

  • BBB Rating

    A+

  • Service Range

    Legal Assistance

  • Minimum Debt Requirement

    N/A

15. SteadyWise

Steadywise offers transparent debt settlement programs combined with educational tools that help clients improve financial habits. Best for: Consumers who want structured debt relief and long-term financial literacy support.

SteadyWise

  • BBB Rating

    A

  • Service Range

    Debt Settlement

  • Minimum Debt Requirement

    $10,000

16. TurboDebt

TurboDebt connects consumers with vetted debt relief and consolidation providers through a free consultation and nationwide partner network. Best for: Individuals comparing multiple strategies before committing to a debt relief plan.

TurboDebt

  • BBB Rating

    A+

  • Service Range

    Referral to Debt Relief and Consolidation Programs

  • Minimum Debt Requirement

    $10,000 (varies by partner)

17. United Settlement

United Settlement provides personalized debt settlement plans with an A+ BBB rating and nearly a decade of experience, focusing on transparency and client support rather than formal accreditation. Best for: Consumers seeking structured, personalized debt negotiation with strong communication and no upfront fees.

United Settlement

  • BBB Rating

    A+

  • Service Range

    Debt Settlement

  • Minimum Debt Requirement

    $10,000