7 Best Debt Settlement Companies to Call when it all Goes Wrong

debt settlement companies

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Debt settlement is that method by which you can get rid of your debt by paying some cents on the dollar.

How? You just have to call any one of these best debt settlement companies and they’ll negotiate with lenders to settle your debt at a lesser amount than what you owe.

Yes, we are aware that debt settlement has its own pros and cons, but it certainly is an intelligent way to tackle debt. Here are the 7 best debt settlement companies of 2019.

1. Freedom Debt Relief

It would be an outright fallacy to place Freedom Debt Relief (FDR) anywhere below the #1 spot in our list of best debt settlement companies. They work wonders when it comes to settling debt.

Freedom Debt Relief is the largest and most experienced debt settlement company in the country. FDR has already served more than 600,000 clients, helping them on the path to financial freedom.

It has resolved more than $10 billion worth of debt since its inception in the year 2002. A certified debt consultant is here for you 7 days a week and all you need to do is call up FDR.

What sets FDR apart from its competitors is that it offers an easy to use customer dashboard that helps users through the debt settlement process with live agents available for customer support. With longstanding relationship with creditors built over the last two decades, the company has a proven track record of getting great results for its customers.

As for mortgages, auto loans, and federal student loans- there are other debt relievers in this list of best debt settlement companies; FDR doesn’t settle debt on these three fronts.

If you’re from Connecticut, Georgia, Hawaii, Illinois, Kansas, Maine, Mississippi, New Hampshire, New Jersey, North Dakota, Ohio, Oregon, Rhode Island, South Carolina, Vermont, Washington, West Virginia, or Wyoming- FDR won’t be there to help you out.

  • Fee: 18% – 25%
  • Program Term: 24-48months*
  • Min. Debt Amount: $10,000

Accreditation: American Fair Credit Council (AFCC) & International Association of Professional Debt Arbitrators (IAPDA)

Free yourself from Debt. Call FDR today!

2. National Debt Relief

If this list of best debt settlement companies would’ve been made some years back, National Debt Relief (NDR) wouldn’t have made it. But the sudden rise of this debt settler made it a tough contender for the top spot.

NDR has this ‘trust-building’ enigma attached to its name, and since 2009 they’ve continued to educate debt-laden Americans on how to settle for less when it comes to debt and everything beyond it. NDR boasts that its program can reduce clients’ debt by 30%.

The reason why NDR is one of the best debt settlement companies in the nation is that they’re unlike that one pushy sales guy who’s stiff as a stick when it comes to making a sale. Their primary focus is to educate their clients about debt relief options.

They won’t sell you their debt settlement program like others sell binoculars to a blind man. NDR recommends and very clearly states that ‘debt settlement isn’t the best way out’ but it might work if all the other doors are jammed.

NDR is cracker-jacker of a choice when it comes to settling out unsecured loans, one can say that they’re very good at it. They settle private student loans too.

If there’s too much of unsecured debt on client’s total debt count, then National Debt Relief won’t be the best option available to you. They’re only good as far as secured loans and private student loans are concerned.

Although it has wide coverage, when it comes to states of Connecticut, Georgia, Kansas, Maine, New Hampshire, South Carolina, Oregon, Vermont, and West Virginia- NDR would not be there to assist you.

  • Fee: 15% – 25% of total debt
  • Program Term: 2 to 4 years
  • Debt Amount: $7,500
  • Savings: 30% after fee
  • Accreditation: AFCC & International Association of Professional Debt Arbitrators (IAPDA)
Call NDR and get instant help today!

3. Cura Debt

The name sounds like a pill that one can take and wham! All your debt hath been cured, human.

Well, sort of.

Cura Debt is a decent place to go for and they have a highly competitive rate, that’s why they glided through this list of best debt settlement companies. And if you’re an introvert and don’t feel like calling right away, you can chat with a representative online.

Cura Debt’s website reaps a lot of praise due to its transparent layout. Just go there once and find what you’re looking for- from free savings estimates to a blog on how to get out of debt (hey, we do that too!).

If you’re looking to settle an unsecured debt and even business debt for that matter, Cura Debt is a must visit from our best debt settlement companies list. They have a provision for tax debt too.

As for the experience, they’re quite wise. Cura Debt started in the year 2000 and it still continues to be one of cleanest debt settlement companies in the market. They offer remarkable savings that are better than the most.

Cura Debt doesn’t cover 13 states out of the whole lot, so if you live there you can refer to other debt settlement companies. They won’t let you down.

  • Fee: 20% of total debt
  • Program Term: 36 to 48 months
  • Debt Amount: $5,000
  • Savings: 30% after fee
  • Accreditation: AFCC & IAPDA
Cura your debt worries, talk to a Cura Debt professional today!

4. Debt Consolidation Care

The name brings a presumption that it’s only for consolidating debt, but Debt Consolidation Care (DEBTCC) has lots of debt-killing guns in its arsenal. It offers free debt counseling to kick-start your journey to financial freedom. The Financial Coach helps you to settle debts with big savings.

In the last 13 years, DEBTCC has helped more than 13,000 clients to settle their debts. The best part is that they follow a very simple (yet slick) procedure to strike the metal when it’s hot and settle the debt on the lowest value possible, and if clients are not satisfied, then they can even use 100% ‘No Results Refund Policy.’

The lads and lassies from DEBTCC go through all troubles to prevent clients from getting bankrupt. They even help to settle debts that are as low as $1000 and that’s a great benefit for the clients.

The Financial Coach at Debt Consolidation Care is experienced and has a vast knowledge of debt solutions. He can help you find the right solution for your financial hardship. The information you get here is on the money and it is a great place to start if you are new to debt settlement.

All in all, DEBTCC does a fine job if you plan to get a debt settlement through them. Give them a visit to know about other offers that can solve your debt problem.

  • Fee: 15% of total debt
  • Program Term: 2 to 4 years
  • Min. Debt Amount: $1000
  • Savings: 30% to 40% after fee
  • Accreditation: A+ on BBB & IAPDA
They care about your financial reports, learn more about Debt Consolidation Care here.

5. Accredited Debt Relief

Not only is it one of the most renowned best debt settlement companies, Accredited believes in providing service to their clients rather than just pushing a debt settlement offer down their throats.

They study your debt like a piece of a research paper and figure out what is the best relief option for you- be it debt settlement, debt consolidation or simple debt management.

Accredited try their level best to ensure that your credit score doesn’t plummet like little kids on waterslides. They offer you that debt relief option which would help you save the most.

This is an added advantage, considering that debt settlement is quite scary and it might backfire in the long run. Many clients push for debt settlement without knowing its extreme repercussions, and Accredited educates them.

It’s mostly in the green when it comes to Accredited’s reviews- from helpful customer reps to splendid hotline assistance. Customers all over the internet say that Accredited taught them that there’s more to debt relief then debt settlement.

They’ve got this cool ‘debt relief calculator’ on their homepage where you type your debt amount and they instantly show monthly payment estimate and how much you’d save with Accredited by your side. This is very unique; we suggest you give it a try for the sake of it.

  • Fee: 20% of total debt
  • Program Term: 2 to 4 years
  • Debt Amount: $10,000
  • Savings: 30% after fee
  • Accreditation: AFCC & BBB
Talk your way through debt settlement with Accredited!

6. DMB Financial

If your taste lies in tailor-made stuff then DMB Financial might be a good choice. It is one of the best debt settlement companies that offer custom debt settlement solutions in accordance to one’s financial situation.

DMB has settled more than $1 billion in debt since its inception in 2003, and their customers are usually ‘debt-settled’ in two to four years (five years, in some cases). DMB’s process is very transparent when it comes to settling a debt.

Offering a free debt checkup is step one in DMB’s financial assistance program, after which they draft a customized debt settlement offer for client’s convenience. After that, you deposit the given funds in a dedicated savings account each month.

DMB has successfully driven more than 30,000 customers out of debt’s clutches, and if you feel like going for it, DMB is a good place to look at.

  • Fee: 18% – 25% of total debt
  • Program Term: 2 to 5 years
  • Debt Amount: $10,000
  • Savings: 30% after fee
  • Accreditation: AFCC & IAPDA
Talk to DMB financial and get your free debt settlement today!

7. Pacific Debt Inc

Pacific Debt is a household name among top debt-doctors as they place it amongst the best debt settlement companies working across the USA. It charges a fee on the percentage of debt reduced, which results in healthy savings.

If you’ve maxed out on all your credit cards and can’t seem to find a way to take things forward, Pacific debt can settle your debts and ensure that you come out on top (while your credit score takes a few hits).

You can call ‘em up for free and discuss your financial situation; they offer a very sound advice, believe us.  There’s an online chat-box that’s easily accessible and you can use that if speaking is too much of a task for you.

They have a debt management blog too (again, we do it better!), you can learn about debt settlement and it’s pros and cons there (and here). One can easily track their debt settlement progress online on their website.

Now, the Elephant in the room- the sales reps are quite pushy, they rush you into decisions that you really don’t know much about. Debt settlement is a very sensitive financial decision and the last thing you need is some sales guy on the other side of the phone.

Pacific Debt Inc is available in just 25 states, so yeah. The coverage isn’t really that extensive.

  • Fee: 15% – 25% of reduced debt
  • Program Term: 2 to 4 years
  • Debt Amount: $10,000
  • Savings: 15% after fee
  • Accreditation: AFCC & IAPDA
Refer Pacific Debt Inc for sound debt settlement advice!

Some debts are fun when you are acquiring them, but none are fun when you start paying them off. Many times when you have no option, you have to make your way with a debt-settler.

These debt settlement companies will walk you through the process and (hopefully) you’ll have the last laugh!

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