We've researched and compared 34 debt relief companies to find the top 5 accredited services for helping you settle and consolidate your debt. Get expert help with paying off your credit cards and other unsecured debt, and become debt free within 24-48 months.
2019 Best Debt Relief Services in America
Not sure how to go about choosing a debt relief service? Here is what to look for:
While looking for a debt relief company, your first thought is to look at their pricing. After all, you are looking to reduce your debt without adding any more expenses. Unfortunately, many companies in the debt consolidation and settlement industry do not provide a whole lot of transparency on their website in regards to their pricing and terms, something which we believe should be easy to find.
While many websites do have a debt calculator that gives you an estimate, the following debt relief services go above and beyond when it comes to transparency regarding prices, terms, and frequently asked questions.
"What is the cost to reduce my debts?" This is probably high on the list of requirements when you are searching for a debt relief company.
Debt consolidation and settlement companies should never charge upfront fees and should only bill a customer after they negotiate, settle, reduce, or change the terms of one of the debt accounts. In the case of settlement, some companies may charge a monthly "maintenance" fee for a separate savings account used to eventually pay off your debts, which is legal but a fact that many consumers and experts believe is unethical.
Fees for debt consolidation and debt relief generally range from 15-25% of enrolled debt. For a 100% free quote and to speak with a certified debt consultant, we recommend contacting Freedom Debt Relief, our top rated pick for debt settlement.
One way to ensure that you are working with a credible debt relief service is to look at the accreditations. The majority of reputable services are FTC compliant and hold accreditations from the IAPDA (International Association of Professional Debt Arbitrators), AFCC American Fair Credit Council), and the BBB (Better Business Bureau).
Debt relief is not a simple process, so a company with extended industry experience and a track record of success proves that it is a reputable service you can trust with your money.
Some companies with over 10 years in the business include:
When choosing a debt relief service, it is always a good idea to check customer service and reviews to determine how a company really treats their clients. You can check the BBB (Better Business Bureau), Yelp, Google, or Trustpilot to see if actual clients rated the business positively or negatively. Some important questions to ask are:
These guidelines can help you pick the right debt relief company to set you on the best path to a debt-free life. A new financial future is right around the corner.