Debt settlement companies can help you get out of debt quickly and for less than you owe. They negotiate with creditors so that they will accept a lump-sum payment that is less than the total amount owed. Compare our picks for the best debt settlement companies for all credit scores.
Explore Top-Rated Debt Settlement Companies for All Credit Scores
JG Wentworth is dedicated to getting people out of debt fast. Our certified debt specialists work with you to create a debt resolution strategy tailored to your personal circumstances. We negotiate with creditors to lower your enrolled debt and potentially save you thousands.
At Debt Busters, we believe in freedom from overwhelming debt.Our skilled Personal Financial Analysts create customized debt relief programs for our clients.Our unique service consolidates multiple unsecured creditors into a single payment, helps avoid bankruptcy, reduces total monthly payments, and shortens repayment periods by years or even a decade.
See How Much You’ll SaveNO Upfront FeesNO Obligations
At National Debt Relief, we have helped over 550,000 people get out of debt since 2009. Our expert experts will review your unique situation and design a personalized debt resolution plan for you. You make one lower monthly payment and we’ll do the rest.We can help you avoid bankruptcy, wipe out your debt within 12-48 months, and save up to 50%.
Accredited Debt Relief is dedicated to getting people out of debt fast.Our proficient debt specialists match clients with personalized programs to reduce unsecured debt and help them gain financial freedom. We negotiate with creditors to find a resolution so you’ll be debt-free faster and for less.
Lower Monthly PaymentsGet Personalized ResultsConvenient and FREE Service
Guide to Consultation is committed to empowering individuals with strategic advice. Our teams of experienced professionals are dedicated to getting you out of debt faster and for less. We create unique plans tailored to our clients’ financial situations. At Guide to Consultation, our mission is not just about reducing debts but also about empowering customers through education and guidance.
JG Wentworth is dedicated to getting people out of debt fast. Our certified debt specialists work with you to create a debt resolution strategy tailored to your personal circumstances. We negotiate with creditors to lower your enrolled debt and potentially save you thousands.
Fantastic Experience“Made the process of setting everything up so easy. Guidance and help through every step and very knowledgeable assistance. Some of the best customer service care I have ever received. Very grateful for the help and advice I received 😊.”
At Debt Busters, we believe in freedom from overwhelming debt.Our skilled Personal Financial Analysts create customized debt relief programs for our clients.Our unique service consolidates multiple unsecured creditors into a single payment, helps avoid bankruptcy, reduces total monthly payments, and shortens repayment periods by years or even a decade.
Settle Debts Quickly“Overall the experience was fast just a much as it was easy! I’ve received hundreds of calls for the debt relief program and I am so glad I chose this one! Kudos to Claudia Mondragon!! She deserves a raise!!”
Tracey MosesMarch 30, 2024
Review 12,965
Be debt-free within 24-48 months
See How Much You’ll SaveNO Upfront FeesNO Obligations
At National Debt Relief, we have helped over 550,000 people get out of debt since 2009. Our expert experts will review your unique situation and design a personalized debt resolution plan for you. You make one lower monthly payment and we’ll do the rest.We can help you avoid bankruptcy, wipe out your debt within 12-48 months, and save up to 50%.
Restored my Confidence“Wow! Excellent, warm hearted customer service. In less than an hour, Lawanda got my debt reduced by nearly 20k, with a monthly rate I can afford. The process was effortless and actually fun! It feels really good to have my debt handled, after avoiding it for three years. I highly recommend Nat’l Debt Relief (don’t wait!).”
Heather ByrneMarch 6, 2024
Review 12,965
Debt relief that works
Lower Monthly PaymentsGet Personalized ResultsConvenient and FREE Service
Guide to Consultation is committed to empowering individuals with strategic advice. Our teams of experienced professionals are dedicated to getting you out of debt faster and for less. We create unique plans tailored to our clients’ financial situations. At Guide to Consultation, our mission is not just about reducing debts but also about empowering customers through education and guidance.
Credit Builder for Low Scores“My case manager was wonderful! She was very thorough with all the details about their services. She was able to quote a very affordable plan for me and helped me through the paperwork. Answered all my questions. Very engaging and personable.”
Staci DaughrityMarch 30, 2024
Frequently Asked Questions
What is debt consolidation?
Debt consolidation is the practice of combining multiple debt payments into one monthly payment. Think of it as rearranging your finances: rather than keeping track of multiple bills and payments, debt consolidation allows you to put all of your debts in one place with one simpler monthly payment.
How can I consolidate my debt?
Consolidation can be done in a variety of ways, but the most popular are:
Consolidation through a debt consolidation company
Consolidation through a personal loan
Consolidation through credit card balance transfers
Can debt consolidation save me money?
Depending on which debt consolidation method you choose, you may be able to save on interest costs and lower your monthly payment as well. Many loan options also allow you to make extra payments, therefore reducing the total time to pay back a loan.
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About the author
Rachel Alulis
Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.
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