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National Debt Relief
- A+ BBB rating & fully accredited
- No fees until accounts are settled
- Helped 600,000+ clients since 2009
Americor
- Over $3B in debt negotiated
- Accredited by AADR, RMA, & BBB (A+ rated)
- "Pay-No-Fee" guarantee
Freedom Debt Relief
- Over 1 million customers served
- A+ BBB rating & no upfront costs
- Free initial consultation
Debt Relief Advocates
- Offers a free, no-obligation consultation
- Team of Certified Debt Consultants
- Clients only pay after results
Cambridge Credit Counseling
- Non-profit credit counseling
- Bankruptcy counseling & courses
- Extensive educational resources
Pacific Debt Relief
- Debt Reduced by 20%–50%
- No payment until terms are negotiated
- Accredited by American Fair Credit Council
Credit Associates
- Similar to: National Debt Relief
- Founded: 2016
- Headquarters: Tulsa, OK
Best Picks
Top Debt Help Companies by Features and Benefits
- Best Overall National Debt Relief
- Best for Settlement Americor
- Best for Debt Consolidation Americor
- Best for Debt Management and Counseling Freedom Debt Relief
- Best for High Debt Amount National Debt Relief
- Best for Credit Card Debt National Debt Relief
- Best for Over $10,000 Debt National Debt Relief
- Best Overall National Debt Relief
- Best for Settlement Americor
- Best for Debt Consolidation Americor
- Best for Debt Management and Counseling Freedom Debt Relief
- Best for High Debt Amount National Debt Relief
- Best for Credit Card Debt National Debt Relief
- Best for Over $10,000 Debt National Debt Relief
Compare the Top Debt Help Companies
| Company | Rating | Min. Debt Required | Fee Structure | BBB Rating | |
|---|---|---|---|---|---|
|
4.8
|
$7,500 | 15–25% after settlement | A+ | ||
|
4.7
|
$10,000 | 14–29% after settlementv | A+ | ||
|
4.5
|
$7,500 | 15–25% after settlement | A+ | ||
|
4.4
|
$7,500 | 15–25% after settlement | A+ | ||
|
4.3
|
No minimum | Low flat monthly fee | A+ |
LEARN MORE
Frequently Asked Questions
Everything you need to know about our top-ranked companies.
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.
Still have
questions?
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.
Still have
questions?
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.
Still have
questions?
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.
Still have
questions?
Savings vary depending on your total debt, creditors, and consistency in making payments — but many clients settle their debts for 40–60% less than what they owe before fees. Fees are typically between 15–25% of your enrolled debt and are only charged after settlements are reached. You’ll receive an estimated savings breakdown before enrolling, so you know what to expect and can make an informed decision.
Still have
questions?
No. Legitimate debt relief companies never charge upfront fees. Under federal law, fees can only be collected after the company negotiates and settles a debt on your behalf. This protects consumers and ensures you only pay for results. The fee amount is typically a percentage of your enrolled debt and is already built into your monthly program payment — so there are no surprise charges or add-ons along the way.
Still have
questions?
THE BOTTOM LINE
Our Top Picks
Companies that stand out for results, transparency, and customer satisfaction.
National Debt Relief
Bottom line
A+ BBB rating & fully accredited
Americor
Bottom line
Over $3B in debt negotiated
Freedom Debt Relief
Bottom line
Over 1 million customers served
How BestGuide Works
Common questions about our rankings and methodology.
At BestGuide, we pride ourselves on transparency. Our recommendations are based on a combination of research, expert insights, and partnerships with brands that support our platform. Yes, brands pay for placement, and we take that into account alongside other key factors like reputation, services, and customer satisfaction to provide you with useful, curated results. Ultimately, we make placement decisions based on what we believe serves both you and our platform best.
Our team carefully evaluates brands using customer reviews, industry trends, sales performance, and direct assessments. In addition, we consider advertising budgets and compensation from our partners. While paid placement is a factor, it’s not the only one—we prioritize brands that demonstrate quality and reliability while meeting the expectations of our audience.
Our star rating system is designed to simplify your decision-making process. It incorporates multiple factors, including customer feedback, brand reputation, satisfaction rates, and sales conversions. While partnerships and advertising budgets do influence rankings, we aim to provide a balanced perspective that highlights standout performers in each industry.
Search results on BestGuide are dynamic and may differ depending on when or how you search. Factors such as brand availability, timing, and budget allocations can impact placement. Additionally, updates are processed through global data centers, which may cause slight variations in results depending on your location or when you search. This flexibility allows us to provide the most relevant and up-to-date options tailored to your needs.
BestGuide also tailors results to match the context of your search. For instance, if you’re looking for home security systems in a specific region, we prioritize brands that can service that area. This ensures your results are as relevant and practical as possible.
At BestGuide, we combine research, industry insights, and paid partnerships to bring you curated recommendations that meet your needs. Our approach balances brand compensation with a commitment to quality, ensuring that we provide results you can trust. While paid placements are part of our model, we make decisions thoughtfully, always keeping your best interests in mind.