Best Debt Relief Companies in 2025

Consumers trapped in a cycle of debt from items like credit cards, loans, and medical bills often need assistance to overcome huge balances. When unsecured debts exceed your monthly income, it’s easy to start making minimum payments to put off high-interest charges and late fees.

Debt relief companies provide options for managing and reducing large debts that seem impossible to pay off. While this help comes at a cost (all companies charge fees for their services), leveraging the expertise of debt relief organizations simplifies the payment process.

Many companies can even help reduce the total amount of debt you owe, often shortening the time it takes to repay it.

Before enrolling your debt balances, it’s important to compare providers to determine the best fit for your financial situation. This article highlights the top debt relief companies aiding consumers struggling with thousands of dollars in debt.

Top Debt Relief Companies

Here’s a list of the key features of companies offering debt relief programs in 2025, followed by an in-depth look at each organization:

TurboDebt

Newer to the debt relief scene, TurboDebt started strong and has already relieved over $15 billion in client debts for half a million consumers. Highly rated by customers, TurboDebt offers debt settlement services to help clients reduce debts by negotiating with creditors.

TurboDebt offers flexible payment options, working with clients to create a plan that fits their monthly budget with no fees until a settlement is reached. During a free initial consultation, agents help clients discover their best debt relief program to get out of debt faster. The company also offers a library of financial resources to aid clients in becoming savvy consumers.

National Debt Relief

National Debt Relief (NDR) focuses on “Whole Human Finance” to help clients confidently manage money and overcome debt. Operating since 2009, NDR is consistently ranked as a top debt relief company among leading financial outlets.

Offering debt settlement, credit counseling, debt consolidation loans, and other services, NDR works with clients to set up a monthly payment plan, supporting customers through every step of the process. National Debt Relief also provides scholarships to assist college students struggling with debt.

Pacific Debt Relief

Founded in 2002, Pacific Debt Relief is another leading company providing debt settlement to thousands of clients. With a focus on customer satisfaction, Pacific Debt Relief strives to give consumers the best experience possible as they work to clear debts.

This debt relief company focuses on debt settlement services. They also provide resources for financial literacy to help clients stay out of debt for good.

Freedom Debt Relief

Also in operation since 2002, Freedom Debt Relief offers debt negotiation with the expertise of hundreds of debt consultants and negotiators on staff. Their initial process involves advising clients about all their options, even if it means going outside of Freedom’s services.

Freedom Debt Relief also provides resources for clients to educate themselves and better their financial lives. They use affiliate partners to connect consumers with debt consolidation loans.

Accredited Debt Relief

Accredited Debt Relief has helped consumers with debt relief since 2011. This debt relief company focuses on debt consolidation, connecting clients with the right programs to streamline debts into lower monthly payments.

Once clients start a consultation, agents assist consumers in finding the best options for consolidating their debts. Accredited Debt Relief also features a personal dashboard for customers to view their progress and monitor their accounts.

American Debt Relief

American Debt Relief is a 12-year veteran in the debt relief space focusing on debt settlement services. The company offers a Financial Freedom Plan to help clients end debts in 24-36 months.

Once you get started, credit advisors help you set up a monthly payment plan that fits your financial needs and helps you overcome unsecured debt balances.

CreditAssociates Debt Relief

CreditAssociates also offers debt settlement services for consumers struggling with unsecured debts. One unique feature of this debt relief company is its money-back guarantee. CreditAssociates Debt Relief wants clients to feel secure as they entrust the team with their debt relief journey.

The company also offers help with business debts, giving small business owners a chance to reset personal finances that are overburdened with expenses from their organization.

New Era Debt Solutions

One of the longest-operating debt relief companies in the nation, New Era offers an established model for relieving consumer debts. New Era Debt Solutions provides debt settlement services from an experienced team of specialists.

The company values truth and transparency, providing extensive information about the debt settlement process on its website.

Americor Debt Relief

Americor describes itself as a Fintech company offering debt relief through an online platform. The company provides both debt consolidation and resolution (settlement) to relieve consumers’ unsecured debts.

During an initial consultation, clients speak with a debt specialist to determine which debt relief option is best for their financial situation.

CuraDebt

Experts agree that CuraDebt is an effective option for relief from tax debt. For those owing back taxes to the IRS, CuraDebt specializes in offers in compromise, garnishment release, complex resolutions, audit defense, and other options from an experienced legal team.

The company also offers debt settlement and consolidation plans for consumers with unsecured debts. Another unique feature of CuraDebt is its credit restoration program, which is available to clients after they complete certain debt relief programs.

JG Wentworth

After launching over 30 years ago, JG Wentworth provides a range of financial services, including debt relief. The company made an impression with its 877-CASH-NOW program, using TV commercials to reach struggling consumers.

Now, JG Wentworth offers a comprehensive debt relief program focusing on debt settlement. Under a customized plan, clients save an average of 43% on their debts.

5 Tips for Choosing a Debt Relief Company

The right debt relief program can be the answer you need to reset your finances and overcome heavy debt burdens.

Bonnie Silver, CEO and co-founder of TurboDebt, encourages consumers to consider organizations that work hard for clients. “Look for a debt settlement company that can expedite your settlements to ensure your success in the program,” Silver explains. “Find a company with the best negotiators and relationships with creditors to ensure you’re maximizing your savings potential,” she adds.

When deciding which professional organization is the right one to help you navigate debt relief, it’s important to take the following steps:

1. Read Reviews

Do your research and find reviews from trusted sources to see what actual clients have to say about their experiences. Look for consumers who feel valued and report excellent customer service.

You can also check with organizations like the Consumer Financial Protection Bureau or the Better Business Bureau (BBB) to find out if a company has serious customer complaints. Finding a few unsatisfied clients is normal, but repeated problems should signal that you may want to look for another debt relief company.

2. Complete a Free Consultation

Reputable debt relief companies offer a free initial consultation to learn more about your finances and explain your options for relieving debts. Be ready to answer questions about the type of debts you struggle with, your income, and your credit history.

As you speak with a company representative, you should get a sense of how they handle customer service. Decide if they honestly listen to your questions and provide transparent answers.

3. Check for Fees

No legitimate debt relief company charges upfront fees before helping you enroll in an effective debt relief program. Check for all fees associated with a debt relief program, including administrative costs.

Companies typically charge a percentage of your enrolled debt, with fees varying based on the state where you live. Some charge based on your initial enrolled debt, while others collect fees based on the amount you settled. Programs offering debt consolidation loans charge varying interest rates based on several factors, such as your credit score.

4. Consider the Timeline

For the best results, it’s a good idea to look for companies that help you relieve debt in a shorter timeframe, ideally in 12-48 months. While some debts may take longer to repay, consider avoiding companies taking three to five years on average.

Debt relief companies should work with you to create an affordable plan that helps you clear debts faster while managing monthly payments.

5. Review Your Options

After researching and reviewing different debt relief solutions, consider how each option best fits your financial situation. Choose a company that offers the most effective solution for your debt struggles.

Look for excellent customer service and a dedicated team that will answer your questions and help you through the process. Once you choose a plan, commit to making monthly payments to end your debt and start fresh financially.

Using a Debt Relief Company To Overcome Debts

The best debt relief companies put clients first, helping consumers overcome debts to live financially free.

Debt relief companies offer professional help negotiating with creditors and providing solutions to overcome different forms of debt. They also fit you with a plan that effectively manages your monthly budget, giving you an affordable way to reduce debt balances.

As a leading debt relief provider, TurboDebt serves consumers in nearly every U.S. state and territory, consistently earning 5-star reviews from successful clients. Here are more reasons you’ll benefit from working with the team at TurboDebt:

• Pay no upfront fees
• End debt in as little as 12-24 months
• Browse over 17,000 positive TurboDebt reviews on Trustpilot and Google. 
• Reduce debt by nearly 50% (before fees)
• Work with a dedicated specialist
• Create customized and flexible payment plans
• Discover alternatives to bankruptcy

Contact TurboDebt today for a free consultation to find out how you can start working toward debt-free living.