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4.8
BestGuide's Rating
- A+ BBB rating & fully accredited
- No fees until accounts are settled
- Helped 600,000+ clients since 2009
4.5
BestGuide's Rating
- 500,000+ Americans Enrolled
- Debt-free within 24-48 months
- Experts available 24/7
4.4
BestGuide's Rating
- Non-profit credit counseling
- Bankruptcy counseling & courses
- Extensive educational resources
4.3
BestGuide's Rating
- Over 1 million customers served
- A+ BBB rating & no upfront costs
- Free initial consultation
4.3
BestGuide's Rating
- Average debt reduced by 20%–50%
- No payment until terms are negotiated
- Accredited by the Consumer Debt Relief Initiative
4.3
BestGuide's Rating
- IAPDA accredited specialists on staff
- No monthly consultancy fee
- 20+ years of negotiation experience
4.3
BestGuide's Rating
- 30-day satisfaction guarantee
- 500+ certified dedicated negotiators
- 170,000 + clients enrolled
9
4.3
BestGuide's Rating
- 20+ years of industry experience
- No fees until you save policy
- Over 860 reviews with 4.8/5 on BBB
10
Americor
This company is not rated by BestGuide
- Similar to: National Debt Relief
- Founded: 2008
- Headquarters: Irvine, CA
Top Debt Help Companies by Features and Benefits
- Best Overall: National Debt Relief »
- Best for Settlement: Pacific Debt »
- Best for Debt Consolidation: National Debt Relief »
- Best for Debt Management and Counseling: Pacific Debt »
- Best for High Debt Amount: TurboDebt »
- Best for Less than $10,000 in Debt: Cambridge Credit Counseling »
- Best for Credit Card Debt: Pacific Debt »
- Best Non-Profit Credit Counseling: Cambridge Credit Counseling »
Frequently Asked Questions
Question:
Who qualifies for debt settlement?
Answer:
Anyone who is having a hard time making their credit card payments may qualify for debt settlement programs. However, some companies require borrowers to have a specific amount of debt — like $10,000 — to qualify for their services.
Ask an expert: National Debt Relief »
Question:
Will my credit score go up if I settle a debt?
Answer:
Settling debt can have both a negative and a positive effect on your credit scores. You're most likely to see a drop in points up-front, but over time you can gain back everything you lost and more. Regardless of the setback, you can always work to experience the benefits of better credit.
Ask an expert: Pacific Debt »
Question:
Can I settle a debt without going to court?
Answer:
You may settle your case at any time prior to having the court make a decision (a judgment) by either: Paying the full amount of the debt (plus any fees, costs, and interest required) Negotiating to pay a lesser amount and having the other side agree to accept that amount as full payment.
Ask an expert: TurboDebt »
Question:
Can I use my credit card after debt consolidation?
Answer:
Creditors don't want you to use the cards when you're having a benefit from a debt management program. But if there's a card that you can keep out of the program, you can do that. You can keep the card out and use it for emergencies.
Ask an expert: Cambridge Credit Counseling »
Our Top Picks
BEST OVERALL
National Debt Relief
BOTTOM LINE
Consolidate multiple payments into one
BEST VALUE
Pacific Debt
BOTTOM LINE
Debt free in as little as 24-48 months
TOP PICK
Cambridge Credit Counseling
BOTTOM LINE
Extensive educational resources