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Best Debt Relief Companies

A debt relief agency can be a priceless ally on the road to recovery by offering debt management, debt consolidation, and debt settlement services that may be able to save you time and money. The best debt relief companies will usually offer one or more of these services, and it is important to note the difference between these three powerful tools.

Debt Management programs match you with a debt counselor who will assist you in working out a plan to pay off your debt and negotiate with your creditors to lower your interest rate or adjust your payment schedule. Debt Consolidation rolls your outstanding debt into one lump sum and extends a loan which used to pay your creditors. You will then need to make the monthly payments to repay the loan. Finally, Debt Settlement negotiates aggressively with your creditors to convince them to settle your debt for a fraction of what is owed.

A good agency will make sure you fully understand the risks and rewards of each debt relief option and help you choose the best debt relief program for your financial scenario. We have provided a list of our top 6 favorites below.

Turbo Debt Relief

Turbo Debt Relief is a debt consulting service offering effective strategies and low-cost solutions to help clients alleviate their debt and rebuild the path to wealth. Turbo Debt Relief experts are able to leverage the relationships they have built with the nation’s top debt programs to offer the most effective debt relief solutions available.


  • Best For Debt Settlement
  • 100% free, no obligation consultation to discuss your debt relief scenario
  • 24 to 48 month programs aim to have you debt free within 2 years
  • Expert consultants have developed relationships with the industry’s top debt programs to get you the most cost-effective solution available

Best Deft Relief Company For:

  • People looking for the quickest route back to financial stability
  • People looking for the most cost-effective solution to debt relief
  • Clients who have questions and could benefit from a free consultation with an expert debt counselor 

Debt Solution Network   

Debt Solution Network is a full service debt relief agency providing debt consolidation, debt settlement, and debt validation services. Clients can expect to cut their current debt burden by approximately 50% and most will be debt free in 3 years or less.


  • Best Debt Relief: Debt Settlement, Debt Consolidation, Debt Validation
  • Customer debt is reduced on average 50%
  • No fees are owed until successful debt reduction is achieved
  • Programs aim for complete debt freedom in 3 years or less

Best Deft Relief Company For: 

  • Customers who need to reduce the total amount of debt owed
  • Customers who want to see results before
  • Customers who have the time for a longer program

Accredited Debt Relief

Accredited Debt Relief analyzes client personal debt burden to create a personalized debt relief profile that will determine the best debt relief option and company. Accredited Debt Relief does not personally provide consolidation loans or settlement services, instead they act as a referral agency. After initial analysis clients are presented with a personalized plan containing the consultant’s referral to the best debt relief companies for your particular debt relief scenario.  


  • Best Debt Relief Referral Agency 
  • Programs available in 32 states
  • A team of professional debt negotiators act as intermediaries between you and your creditors
  • Accredited member of the American Fair Credit Council (AFCC), International Association of Personal Debt Arbitrators (IAPDA), and the San Diego Regional Chamber of Commerce

  Best Deft Relief Company For:

  • Clients with more than $10,000 in unsecured personal debt
  • Clients who want a high degree of customization and choice in their debt relief program
  • Clients who appreciate a concierge level of customer service. Clients have a dedicated representative to help navigate the process 

Beyond Finance Debt Relief

Beyond Finance Debt Relief is a debt consolidation company that negotiates with creditors, credit card companies, and personal loan providers on behalf of clients to dramatically reduce the total amount owed. The company combines the renegotiated total due into a customized debt relief plan with one monthly payment. Clients can expect a debt reduction of approximately 50% to 60%, and most clients are able to obtain financial freedom in less than 4 years.


  • Best For Debt Consolidation
  • Proprietary system analyses client debt and creates a personalized debt relief plan
  • No fees are charged until debt reduction is successful
  • Customer dashboard delivers full transparency allowing clients to track settlement offers and agreements, account balance, and payment amount

Best Deft Relief Company For:

  • Clients who need to reduce their total debt burden as much as possible
  • Clients who are more concerned with reduction of debt burden than building of credit 

ClearOne Debt Relief

ClearOne Advantage is a debt settlement company based in Baltimore, Maryland. The company creates personalized debt repayment plans for clients which include personalized bank deposit accounts. The client will deposit an agreed upon monthly payment into the deposit account and that account will be used to pay the settlement amounts agreed upon by the creditors. The monthly payments and total debt burden are generally significantly lower than the original amounts owed.


  • Best For Debt Settlement
  • Clients fees are refundable within 30 days of a failed settlement
  • Client fees are refundable within 7 days of the first settlement if the fees and settlement payment equal or exceed the original debt
  • ClearOne Advantage is BBB accredited

Best Deft Relief Company For:

  • Clients with more than $10,000 in personal unsecured debt (secured debt is not eligible for settlement)
  • Clients who desire the added security of a money-back guarantee if a successful settlement is not reached or the settlement and fees are greater than the original debt

American Debt Relief

American Debt Relief is a debt consolidation and debt settlement service that has been successfully negotiating on behalf of clients to lower their total debt burden for 12 years. American Debt Relief provides debt settlement services for client’s with more than $10,000 in unsecured personal debt through their Financial Freedom Plan which touts the ability to achieve financial freedom in 24 to 36 months.

The debt consolidation program offers clients the opportunity to consolidate all of their high-interest credit card debt into one lump sum which they can then finance with a debt consolidation loan that can be paid back with a much lower interest rate

American Debt Relief is a member, in good standing, of the American Fair Credit Council (AFCC), the International Association of Professional Debt Arbitrators (IAPDA) and boasts a 4.9 out of 5-star rating on Trustpilot.


  • Best For Debt Settlement and Debt Consolidation 
  • Financial Freedom Plan offers freedom from debt in 24 to 36 months
  • Original debt burden is reduced and consolidated in 1 payment
  • Personal dashboard allows 24/7 access to customer account information, so clients can review settlement offers, monitor deposit account balance, and upload creditor documents

Best Deft Relief Company For:  

  • Clients with more than $10,000 in outstanding personal debt
  • Clients with unsecured personal debt (secured debt is not eligible for settlement)
  • Clients with collateral to secure consolidation loan if required

There is no one-size-fits-all debt relief solution. The list above are the very best debt relief providers in the industry, and we are confident that regardless of the debt relief solution or the debt relief provider you ultimately select, you will be in honest and capable hands with any of the providers on this list. Learn how to stop living paycheck to paycheck and get debt relief today.

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