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Best Debt Relief Companies of 2025

By Krystine Carneiro

Journalist

Fact Checked

Published on October 30, 2025

Overview

Top-Rated Debt Relief Companies Compared

Compare trusted debt relief companies with strong reputations, clear pricing, and proven results.

Cambridge Credit Counseling

4.7

VISIT SITE

Guides consumers toward debt relief through nonprofit counseling and education.

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

National Debt Relief leads as the best overall for its strong reputation and settlement track record.
Freedom Debt Relief offers a transparent process and nationwide coverage.
Cambridge Credit Counseling provides nonprofit counseling and structured repayment plans.
Americor stands out with its hybrid model (settlement and consolidation).
JG Wentworth has 30+ years of experience and solid customer satisfaction scores.

	Best Nonprofit Option Cambridge Credit Counseling 4.7 VISIT (866) 598-9334	Best Overall National Debt Relief 4.6 VISIT (866) 598-9148	Best for Nationwide Service Freedom Debt Relief 4.5 VISIT (866) 598-9330	Best for High Debt Balances JG Wentworth 4.5 VISIT (866) 598-9342	Best Hybrid Option Americor 4.4 VISIT (866) 598-9194
BBB Accreditation	A+	A+	A+	A+	A
Service Range	Service Range	Settlement	Settlement	Settlement	Settlement + Loan
Highlight	Nonprofit Debt Management	Proven Settlement Results	Transparent Process & Nationwide Reach	30+ Years Experience in Financial Services	Hybrid Settlement & Consolidation Model
Minimum Debt Requirement	N/A	$10,000	$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. 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 Accreditation

A+
Service Range

Counseling
Minimum Debt Requirement

N/A

Visit Site

(866) 598-9334

Read Review

2. 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 Accreditation

A+
Service Range

Settlement
Minimum Debt Requirement

$10,000

Visit Site

(866) 598-9148

Read Review

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 Accreditation

A+
Service Range

Settlement
Minimum Debt Requirement

$7,500

Visit Site

(866) 598-9330

Read Review

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 Accreditation

A+
Service Range

Settlement
Minimum Debt Requirement

$20,000

Visit Site

(866) 598-9342

Read Review

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 Accreditation

A
Service Range

Settlement + Loan
Minimum Debt Requirement

$10,000

Visit Site

(866) 598-9194

Read Review

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