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Find the Best Debt Relief Companies: Your Map to Financial Recovery

Debt Relief

At Several.com, we acknowledge the significant impact that debt can have on one's financial journey, specifically regarding medical bills, credit card debt, private student loans, and other financial obligations. With several factors in mind, we thoroughly evaluated and reviewed the top debt relief companies to furnish you with the most reliable and enlightening data possible, assisting you in navigating the maze of available debt relief options.

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Our team conducts extensive research to support each review with meticulous analysis and scrutiny. The quality of customer service rendered, accreditation from reputable organizations, including the American Association for Debt Resolution, formerly the American Fair Credit Council and the Better Business Bureau, and rigorous adherence to the industry standards set up by the International Association of Professional Debt Arbitrators are all critical components that undergo a comprehensive examination. The importance of debt relief services that can accommodate various financial situations, such as credit counseling, debt settlement, debt consolidation, and debt management, is duly recognized. 

We aim to provide you with the information and assets necessary to make enlightened choices regarding your financial future. We analyze alternative options, considering the total debt amount, monthly payments, interest rates, and other factors, to help you find the best path forward. As a result of our steadfast dedication to honesty, reliability, and proficiency, Several.com is the top choice for you to navigate the intricate terrain of debt relief solutions. Let us guide you towards a fresh start and a brighter financial future.

Find the Best Companies in Debt Relief

Minimum Debt Required
- $10,000

Accredited Debt Relief is an established debt relief company founded in 2008. Headquartered in San Diego, CA, they specialize in creating personalized debt consolidation plans for clients seeking to simplify payments and regain financial control. Focusing on understanding each client's unique situation, they aim to provide support throughout the entire debt resolution process. Accredited Debt Relief is part of Beyond Finance, LLC, holds industry accreditations, and boasts a history of helping a large client base resolve substantial amounts of debt. They offer a free, no-obligation consultation where you can explore their services and assess whether their approach aligns with your financial needs.

Pros

Negotiates significant debt reductions
BBB-accredited with A+ rating
Free consultation and no upfront fees
Settles debt in as little as 24-48 months

Cons

Fees can be as high as 25% of total enrolled debt
Only available in 34 states
$10,000 minimum debt requirement
No mobile app
Minimum Debt Required
- $7,500

Founded in 2009, Americor is a leading debt resolution provider based in Irvine, California. With a nationwide team of over 1,000 employees, they offer tailored relief and consolidation solutions for unsecured debts, assisting over 200,000 clients. Notable for a performance-based fee structure, they charge no upfront fees and have facilitated over $2 billion in relief savings. Specializing in debt settlement, they provide a range of solutions, including debt consolidation loans and the Americor Advantage program. While licensed in many states, their emphasis on customer support, financial education, and transparency makes them a valuable resource for those seeking effective debt solutions.

Pros

Free consultation
No upfront fees
Will work with $7,500+ in unsecured debts, less than some competitors
Accredited by AADR and RMAI
Mobile app available

Cons

Fees may be higher than other companies
Does not offer services in all states, including Colorado
Some services may affect your credit score
Minimum Debt Required
- $10,000
Money-Back Guarantee
- Limited Satisfaction Guarantee

ClearOne Advantage is a debt relief company founded in 2008. They offer personalized settlement programs to help individuals achieve financial wellness by negotiating with creditors to reduce the total amount owed. The company provides expert guidance and ongoing support throughout the settlement process. Completion times vary based on individual program estimates; not all clients may complete their program.

Pros

No upfront fees
Free consultation with a personal debt specialist
The application process will not impact credit scores
Mobile app

Cons

You have to have a minimum of $10,000 in credit card debt
Only works with customers who have unsecured debt
Only available in select states
They send your info to other similar services
Minimum Debt Required
- $7,500
Money-Back Guarantee
- Not Available
A top-notch debt relief company that offers different types of debt settlement services like credit card debt relief, personal loans, business debts, unpaid medical bills and much more.

Pros

No upfront settlement fees
Free consultation can help you compare your options
Highly rated by the Better Business Bureau (A+)
Puts a stop to debt collection calls
Eliminate up to 50% of debt

Cons

Fees can run as high as 25% of your settled debt
The forgiven debt is subject to income tax
Remains on a credit report for seven years
Minimum debt amount of $7,500 needed to qualify
Minimum Debt Required
- Undisclosed
Money-Back Guarantee
- Not Available

Freedom Debt Relief is a leading debt settlement company that specializes in helping individuals manage and reduce their unsecured debts, such as credit card balances and medical bills. With over 850,000 clients served since 2002, Freedom Debt Relief has settled over $15 billion in debt. Their services include negotiating with creditors to reduce the amount owed, providing a structured debt relief program without upfront fees, and offering a simple process that involves setting aside funds in a dedicated account for settlements. This reputable company stands out for their expertise in debt negotiation and their commitment to helping clients achieve financial freedom.

Pros

Accredited by AFCC and IAPDA
Program Guarantee
Transparent fee structures
Addresses different types of debt comprehensively
Provides a free consultation
Zero upfront fees
Online Client Dashboard

Cons

Lengthy process
Minimum Debt Required
- $10,000
Money-Back Guarantee
- Undisclosed

Debt Rx is a longstanding entity in the field of debt relief, with more than two decades of experience providing assistance to individuals who are overwhelmed with debt. Negotiating with creditors to lower unsecured debts, encompassing a wide range of obligations such as medical expenses and credit card balances, constitutes their primary offering. The A+ rating from the BBB and IAPDA accreditation of Debt Rx are proof of their dedication to upholding high standards of integrity and excellence. Their services include legal expense plans, debt settlement, and financial education, guaranteeing that clients obtain inclusive assistance customized to their financial situations. 

Pros

BBB accreditation with an A+ rating
No upfront charges
Tailored customer assistance

Cons

High minimum debt required
Not available in all 50 states
Absence of clear information
Potential negative impact on credit score
Minimum Debt Required
- $7,000
Money-Back Guarantee
- Not Available
Has simple criteria to help you pay off your unsecured loans. All it takes is to open a dedicated savings account, start making monthly payments to the account, and wait as the debt relief company negotiates with the creditor.

Pros

No upfront fees required
Free fees calculator to help you weigh your options
Clients dashboard to track their debt relief process
No fees required if the creditor refused to settle
BBB A+ accredited business

Cons

Fess aren't clearly stated on the website
Debt relief options aren't explained on the website
Minimum Debt Required
- $10,000
Money-Back Guarantee
- Unavailable

Century Support Services is a trusted name in debt settlement, offering tailored solutions to alleviate financial burdens. Specializing in unsecured debt settlement since 2003, they prioritize individualized care and transparency. Their services cover unsecured debts, like credit card balances and personal loans, relieving those struggling with over $10,000 in debt. With no upfront fees and a client portal for easy tracking, Century stands out for its commitment to client success. With their accreditation from the BBB and AFDR, assurance of quality service, and provision of financial advice, they are a source of hope for financial freedom.

Pros

Lack of upfront fees
A+ BBB accreditation
Financial resources are provided

Cons

Minimum investment of $10,000
Restricted state availability
No information on pricing
Minimum Debt Required
- Undisclosed
Money-Back Guarantee
- Not Available

Progressive Debt Relief is a leading provider of debt settlement services, helping consumers resolve unsecured debts such as credit cards, medical bills, and payday loans. The company's experienced professionals negotiate with creditors on the client's behalf, aiming to settle debts for less than the total amount owed.
 
Progressive Debt Relief charges no upfront fees and only collects a service fee once a debt has been successfully negotiated and the client has made their first payment. By leveraging their industry expertise and relationships with creditors, Progressive Debt Relief strives to deliver positive financial outcomes for their clients and assist them in regaining control of their finances.

Pros

Addresses different types of debt comprehensively
Live chat
Personalized customer service
Offers financial education and budgeting resources

Cons

Lack of transparency
Minimum Debt Required
- No minimum debt required
Money-Back Guarantee
- Not Available
It has settled more than $250,000,000 of debt and helped millions of clients to become debt-free.

Pros

No upfront settlement fees
Relatively low monthly deposit
Reduced interest rate and debt balance
BBB A+ accredited business since 2001
Available in 43 different states
Savings calculator is available to know how much it will take to pay off your actual debt

Cons

Limited customer support options
Potential litigation and hits to credit score
FAQs
What is a debt relief program?
What services does a debt relief company offer?
How does a debt management plan work?
What types of debt can be addressed through debt relief programs?
How does debt settlement work?
What is the minimum debt requirement for enrolling in a debt relief program?
What is the negative impact of debt collection calls on individuals?
How can individuals determine if a debt relief company is reputable?
What are the advantages of using a debt settlement program?

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