Best Debt Help Companies of 2025

Out of 100+ companies, these stand out for their success rates, customer satisfaction, and BBB ratings. We’ve done the research for you.

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Your state

1

National Debt Relief

4.8 BestGuide’s Rating

2

TurboDebt

4.7 BestGuide’s Rating

3

Elevate 1 Financial

4.5 BestGuide’s Rating

4

Cambridge Credit Counseling

4.4 BestGuide’s Rating

5

Freedom Debt Relief

4.3 BestGuide’s Rating

6

Americor

This company is not rated by BestGuide

See Our Top Pick >

Frequently Asked Questions

Anyone who is having a hard time making their credit card payments may qualify for debt settlement programs. However, some companies require borrowers to have a specific amount of debt — like $10,000 — to qualify for their services.
Settling debt can have both a negative and a positive effect on your credit scores. You’re most likely to see a drop in points up-front, but over time you can gain back everything you lost and more. Regardless of the setback, you can always work to experience the benefits of better credit.
You may settle your case at any time prior to having the court make a decision (a judgment) by either: Paying the full amount of the debt (plus any fees, costs, and interest required) Negotiating to pay a lesser amount and having the other side agree to accept that amount as full payment.
Creditors don’t want you to use the cards when you’re having a benefit from a debt management program. But if there’s a card that you can keep out of the program, you can do that. You can keep the card out and use it for emergencies.

Our Top Picks

BEST OVERALL

National Debt Relief

Consolidate multiple payments into one

BEST Value

TurboDebt

Debt free in as little as 24-48 months

Top pick

Cambridge Credit Counseling

Extensive educational resources

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