3 Best Debt Relief Companies of 2025
Feeling overwhelmed by debt? You’re not alone. Here’s how Sarah found a way out, and how you can too. We’ve compared the top debt relief companies to help you find the right solution for your family finances.
Best Debt Relief Companies At A Glance
Looking for the best relief program? Here are the key takeaways from Sarah’s story as she looked to manage her monthly payments and make progress towards becoming financially stable again.
- Sarah was overwhelmed with debt and looking for a solution. She looked at top companies to find the right debt relief program for her needs.
- Achieve, National Debt Relief, and Accredited Debt Relief are top-rated companies with solid reputations and proven results.
- Each offers customized debt relief programs with free consultations.
- Consider a debt consolidation loan as an alternative if your credit score is still in good shape.
With over 15 years of experience on staff at Debt Relief Ranger, our mission is to provide consumers with the most reliable and transparent information to make informed decisions about debt relief. Our methodology involves a rigorous evaluation process that considers various factors, including company reputation, service offerings, customer feedback, and industry standards. We strive to present unbiased comparisons to help you find the best solution tailored to your unique financial situation.
Top Debt Relief Options
Our picks for the best debt relief programs are meant to provide you with the right starting point for your debt relief journey. Whether you’re considering debt forgiveness or debt consolidation as an alternative, we’ve made a recommendation for you.
Achieve Debt Solutions
Achieve is a strong choice for comparing debt consolidation or relief options due to its comprehensive offerings. They provide various solutions, including personal loans for debt consolidation (with direct creditor payment options), home equity loans, and debt resolution programs for unsecured debts. This enables individuals to explore various debt management options tailored to their unique financial situation and credit profile.
- Over $19 Billion in debt resolved
- Offers free debt assessment to develop personalized plans
- No upfront fees
- Served more than one million members with debt resolution
- A+ Better Business Bureau rating
- Fees can eat into the savings from settlements
- A credit score may go down significantly for those who use debt settlement services
National Debt Relief
National Debt Relief stands out as one of the biggest names in the debt relief space, backed by accreditation from the American Fair Credit Council and an A+ rating with the Better Business Bureau. Known for its upfront approach, the company typically charges between 15% and 25% of the total enrolled debt—an amount that’s clearly disclosed before you commit. They also offer a no-cost consultation to help you understand if the program fits your needs.
- Fast and easy application process
- No upfront fees
- One-on-one evaluation with a debt coach
- Become debt-free in 24 to 48 months
- Rated A+ by Better Business Bureau
- For people with $7,500 in unsecured debts and up
- Fees are higher than some competitors
- Limited debt relief solutions are available
Accredited Debt Relief
Accredited Debt Relief has built a strong reputation for hands-on customer support and clear, consistent communication. Backed by an A+ rating from the Better Business Bureau, they specialize in both debt settlement and consolidation programs that typically run between 24 and 48 months. Many clients appreciate how involved the company stays throughout the process.
- Consolidation loans available
- Serving customers with $20,000 of debt and more
- 100% free, no risk consultation
- No upfront enrollment fees
- Get out of debt in 24-48 months!
- Applying won’t affect your credit score
- Fees are slightly higher than some competitors
A Debt Relief Story
Sarah is in her late twenties and lives Texas. She was doing everything right—working a full-time job, paying bills, and trying to save a little each month. But when her mom was diagnosed with a chronic illness, Sarah took on extra caregiving responsibilities and began relying on credit cards to make ends meet. She’s not alone. On Reddit, a user in r/debtfree shared a similar experience—racking up $32,000 in credit card debt while caring for a sick parent. Others, admitted feeling ashamed and anxious about mounting interest and late fees. Sarah started missing payments and felt paralyzed. When collection calls began, she knew it was time to act.
When it came time to pick the right debt relief company, Sarah did her research. She read reviews, combed through Reddit threads, and looked for real user feedback. Sarah found some profiles she followed along with to help get comfortable. Many users emphasized the importance of transparency, good communication, and realistic expectations. Sarah compared BBB ratings and checked for accreditations like AFCC membership. She also made sure to ask about fee structures and timelines during her consultations. Ultimately, she chose the company that made her feel the most heard.
The process wasn’t easy. There were moments of doubt, especially in the beginning. It’s not uncommon to cry or spiral into despair after talking to creditors, but it’s important to remember the end goal of getting to the other side. Over time as the process went down, Sarah witnessed balances starting to drop and the calls stopped, she began to breathe easier. Seeing the finish line—knowing the debt was getting smaller—felt like a weight had been lifted. She wasn’t just paying off debt; she was reclaiming her peace of mind. Having an online community to lean on during the process was also helpful. Never forget that you’re not the only one that has found themselves in this situation, and there’s no shame in asking for help.
What is a debt relief company?
Debt relief companies negotiate with your creditors to reduce the amount you owe or consolidate your payments into a single monthly plan. These companies can be a lifeline when you’re drowning in high-interest debt and don’t qualify for low-rate personal loans.
Is debt consolidation a better option?
If your credit score is still decent, consolidating your debts with a personal loan might save you more in the long run. It simplifies your payments and may offer lower interest rates. Companies like SoFi or Credible can help you find loan options that you are likely to qualify for without impacting your credit score. However, those with poor credit or that are already in collections, debt relief services may be a more practical option.
3 Best Debt Relief Companies in 2025
Achieve: Best for Custom Programs
Achieve (formerly Freedom Debt Relief) specializes in customizing plans based on your unique financial situation. It holds an A+ rating from the Better Business Bureau (BBB) and has helped over 850,000 clients resolve debt.
On Reddit, users like u/gonnabefree praised Achieve’s honesty and flexibility: “They didn’t sugarcoat anything. They worked with my budget, and I’m finally seeing the light.”
BBB Rating: A+
National Debt Relief: Best for Transparency
National Debt Relief is one of the largest and most transparent companies in the industry. The American Fair Credit Council accredits it and holds an A+ BBB rating. They offer a transparent fee structure—typically 15–25% of the enrolled debt—and a free consultation.
Reddit user u/budgetjunkie shared, “I was skeptical, but National Debt Relief laid everything out clearly. No hidden fees. They even helped stop the collection calls.”
BBB Rating: A+
Accredited Debt Relief: Best for BBB Rating
Accredited Debt Relief is known for strong customer service and holds an A+ BBB rating as well. Their plans typically last between 24 and 48 months, and they offer debt settlement and consolidation services.
Reddit users like u/debtfreedreamer mention Accredited’s frequent communication: “They kept me in the loop every step of the way. I feel like I finally have control again.”
BBB Rating: A+
Frequently Asked Questions
Find answers to common questions about the best debt relief programs.
Achieve, National Debt Relief, and Accredited Debt Relief are among the top-rated programs, as rated by the BBB, customer feedback, and Reddit testimonials.
Debt relief can be a less damaging alternative to bankruptcy. However, the best option depends on your specific financial situation.
Initially, yes—your credit score may drop. However, in the long term, resolving your debt can improve your financial standing.
Many companies require at least $10,000 in unsecured debt and proof of financial hardship before they can start a debt relief program.
It’s possible, but may be challenging. DIY methods, such as the debt snowball or avalanche, require discipline and stability. Debt relief firms offer structured, guided plans.