If you resort to Debt Relief companies, you could get several services including forgiving a portion of the debt’s principal, lowering the interest rate, or consolidating several debts into a single loan which plays a huge part in lowering the overall interest that you pay for each debt alone.
Debt Relief
top Debt Relief companies in 2023
THE BEST IN 2023
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Best Debt Relief Companies: Extended and Comprehensive Reviews to Help You Make a Choice!

Debt relief is a process that you resort to in order to reduce or refinance your debt and make it easier to pay it off without having your debt double over the years.
check the best companies in Debt Relief
read Accredited Debt Relief Review: Debt Consolidation Made Easy! review
Affects credit score
- Not AvailableAverage net savings
- 30%BBB Rating
- A+Accredited Debt Relief
A reputable firm that helps consumers out of debt through debt settlement which is a process that aims to help settle the debt for less than what is owed. This firm offers free consultation and a money-back guarantee.
pros
No upfront fees
Money-back guarantee
Free consultation
An A+ BBB rating
Company website offers substantial information on debt settlement
cons
Fees can be as high as 25% of your settled debt
No mobile app or online client portal
Available only in 32 out of 52 states
read Credit Associates Review: Live Better, Debt Free! review
Affects credit score
- Not AvailableAverage net savings
- Not disclosedBBB Rating
- A+CreditAssociates
A debt relief company that offers you a free consultation, debt settlement services, and a money-back guarantee in case they fail to settle your debt with all of your creditors.
pros
Apple and Android app
24/7 customer service except on Sunday
Free initial consultation
Accredited by AFCC and IAPDA
cons
Services not available in all states
Fees aren’t disclosed
Must have a financial hardship to qualify for the program
read GreenPath Debt Relief: The Right Path for Your Financial Wellbeing review
Affects credit score
- Not AvailableAverage net savings
- N/ABBB Rating
- A+GreenPath
Free counseling to get you started, and great plans to settle your debt.
pros
Free counseling sessions
Friendly staff
Highly rated by the Better Business Bureau (A+)
Services all 50 states
cons
Limited physical locations
May impact your credit score
Additional fees may apply
read Debt RX Review: How Helpful Are They? review
Affects credit score
- Not AvailableAverage net savings
- 50%BBB Rating
- A+Debt RX
Your road to financial stability. Debt RX will provide you with your best debt settlement options while laying out a personalized plan for you.
pros
No upfront fees
Free consultation
Reduces your interest rate
cons
Not available in every state
May impact your credit score
Requires a minimum $10,000 of unsecured debt
read New Era Debt Solutions: Does It Serve You Well? review
Affects credit score
- Not AvailableAverage net savings
- Between 36% and 40% after feesBBB Rating
- A+New Era Debt Relief
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
read Elite Financial Services - Is It Really Elite? review
Affects credit score
- Not AvailableAverage net savings
- N/ABBB Rating
- A+Elite Financial Services
An elite company specializing in providing financial aid for people who are struggling with debt. It has been helping people for more than ten years and is still helping people to this day.
pros
You get free debt analysis
You have access to your progress in real-time
AFCC member
cons
Available only in 21 states
Pricing is not mentioned on the website
$10,000 minimum debt required
read DMB Financial Review review
Affects credit score
- Not AvailableAverage net savings
- N/ABBB Rating
- A+DMB Financial
DMB Financial is a debt relief company that helps you reach a debt settlement with a creditor, and you end up paying less than what you originally owed.
pros
A+ BBB consumer rating
24/7 access to client dashboard
Debt advisors have IAPDA certification
cons
Limited types of debt qualify
10 complaints with the CFPB
Debt takes 36 to 48 months to settle
read CountryWide Debt Relief Review review
Affects credit score
- Not AvailableAverage net savings
- 25% to 30% BBB Rating
- A+CountryWide
CountryWIde is an established debt relief company that has been operating since 2008. They help their customers pay off their debts through settlement or consolidation so that you can be debt-free.
pros
Accredited by American Fair Credit Council
No-risk free consultation offered
Accepts bad credit
cons
Fees not disclosed
No client dashboard
No mobile app
read JG Wentworth Debt Relief : Let's Weigh Your Options review
Affects credit score
- Not AvailableAverage net savings
- 25% after feesBBB Rating
- A+JG Wentworth
A debt relief company helps people solve their financial problems, pay off their debt, or reduce their balance. All it requires is to fill in the contact form providing JG Wentworth with written consent to contact you and find the best debt relief solution for you.
pros
Free consultation is available
BBB A+ accredited business
Member of the Association of Family and Conciliation Courts (AFCC)
Relatively low fees compared to other debt relief companies
cons
Does not serve all 50 states
Possible consequences such as negative credit score impact
read American Debt Relief - The Top Debt Relief Company review
Affects credit score
- Not AvailableAverage net savings
- 30% after feesBBB Rating
- A+American Debt Relief
A very reputable debt relief company that uses a program known as debt settlement to help clients erase debt after paying a part of what they already owe.
pros
You can track your progress in real-time
Free debt consultation
cons
Does not disclose their fee amount
Not accredited with the Better Business Bureau
Only available in 31 states