Best Overall

9.8

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Pay Back Less Than What You Owe

Best Overall
9.8

Moneyfor score

Pay Back Less Than What You Owe
FREE Consultation Reduce your debt Lower Interest rates

1

Our Top Pick

9.7

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Get Out of Debt and Unlock Your Cashflow
FREE Consultation FREE Credit Repair NO Worksheets
Review 13,455

2

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Be debt-free within 24-48 months
See How Much You’ll Save NO Upfront Fees NO Obligations
Review 12,965

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Debt relief that works
Lower Monthly Payments Get Personalized Results Convenient and FREE Service
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8.6

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5

8.5

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Get a Quote in Minutes Lower Monthly Payments Reduce Your Debt
Review 10,855
Our Best Overall Choice
Our Best Overall Choice

9.7

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Free to use, no hidden fees

Our Best Overall Choice
9.7

Moneyfor score

Free to use, no hidden fees
FREE Consultation FREE Credit Repair NO Worksheets
543 people visited this site today
543 people visited this site today
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.
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Review 13,455
Get Out of Debt and Unlock Your Cashflow
FREE Consultation FREE Credit Repair NO Worksheets
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.
Review 12,965
Be debt-free within 24-48 months
See How Much You’ll Save NO Upfront Fees NO 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%.
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Save thousands in interest and fees
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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.
Review 11,987
Debt relief that works
Lower Monthly Payments Get Personalized Results Convenient 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.
Review 11,051
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Fresh Debt Relief is devoted to offering a new start from suffocating debt.  We match you with the best debt relief programs so you can get out of debt faster and for less. Compare debt solutions and find the one that works for you.
Review 10,855
Reduce your payments and get relief
Get a Quote in Minutes Lower Monthly Payments Reduce Your Debt
At Cut My Debt, we assist people to lower their monthly payments, reduce their overall debt, and become debt-free. Our easy-to-use service connects you with a debt specialist to discuss options and find specialized solutions to get you out of debt fast. Get a quote today and get started for free.  
Review 13,455
Get Out of Debt and Unlock Your Cashflow
FREE Consultation FREE Credit Repair NO Worksheets
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 Moses Jan. 30, 2024
Review 12,965
Be debt-free within 24-48 months
See How Much You’ll Save NO Upfront Fees NO 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 Byrne Jan. 6, 2024
Review 12,965
Debt relief that works
Lower Monthly Payments Get Personalized Results Convenient 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 Daughrity Jan. 30, 2024
Review 11,051
Compare Options of Debt Relief Programs
Get Quotes Save Money Pay Off Debt Faster
Fresh Debt Relief is devoted to offering a new start from suffocating debt.  We match you with the best debt relief programs so you can get out of debt faster and for less. Compare debt solutions and find the one that works for you.

Fantastic Experience “Excellent team work and consideration, I really appreciate the work and time they spending on my case to handle all my debts, I’m so grateful, Thank You All So Very Much, I can’t wait to be able breathe again 😊.”
Leon Crum Jan. 21, 2024
Review 10,855
Reduce your payments and get relief
Get a Quote in Minutes Lower Monthly Payments Reduce Your Debt
At Cut My Debt, we assist people to lower their monthly payments, reduce their overall debt, and become debt-free. Our easy-to-use service connects you with a debt specialist to discuss options and find specialized solutions to get you out of debt fast. Get a quote today and get started for free.  

Credit Builder for Low Scores “ CutMyDebt has helped me restore confidence in the ability to achieve my financial goals. They are supportive in every step of the process and always available to answer any questions I may have. I have no doubts that in time I will be debt free thanks to all the help I am receiving through this program.”
Malieke Lynch Jan. 22, 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:

  1. Consolidation through a debt consolidation company
  2. Consolidation through a personal loan
  3. 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.