2025 Reviews of the Best Debt Relief Companies
Choosing the right debt relief company can feel overwhelming. We’ve evaluated dozens of services to find the best mix of success rates, customer service, and trusted reputations.
Our Picks for the Top 5 Debt Relief Companies
#1 Top Rated | We Recommend
Pacific Debt Relief
Rating
4.9 – Excellent ⭐️⭐️⭐️⭐️⭐️
- Trusted for over 20 years
- Specializes in $10,000–$100,000+ unsecured debt
- A+ BBB-rated and fully accredited
- Free consultation with no upfront fees
#2
Americor
Rating
4.3 – Very Good⭐️⭐️⭐️⭐️☆
- Over $3B in debt negotiated
- Accredited by AADR, A+ BBB & RMA rating
- "Pay-No-Fee" guarantee
#3
LendingUSA
Rating
4.1 – Very Good⭐️⭐️⭐️⭐️☆
- APR Up to 29.99%
- Loan Amount $1,000 to $25,000
- Minimum FICO Credit Score 620
#4
Upstart
Rating
4.0 – Good ⭐️⭐️⭐️☆☆
- Offers both debt settlement and tax relief
- Experienced with small business and personal debt
- Consistently rated top 3 in customer satisfaction
#5
LendingClub
Rating
3.9 – Good ⭐️⭐️⭐️☆☆
- Fast approval process
- Can apply for a loan with another person
- Pays old creditors directly with debt consolidation loans
Frequently Asked Questions
What is debt relief?
Debt relief helps reduce or restructure your unsecured debt through negotiation or repayment plans.
How do I qualify for debt relief?
Most programs require $ 10 K+ in unsecured debt and evidence of financial hardship.
Will this affect my credit score?
It may be in the short term, but many people rebuild stronger credit after completing a relief program.
Is it better to work with a company or go DIY?
A company can handle creditor negotiations for you, saving time and stress, especially if you have large balances.
Legal & Disclosure Section
Disclosure:
This site features advertisements from debt relief providers. We may receive compensation if you click a link or complete a form. All reviews are based on a mix of editorial analysis and advertiser partnerships. DebtCompanyReviews.com is not a debt settlement provider or financial advisor.
Program Terms Disclosure:
Results vary and are not guaranteed. Not all debts are eligible for settlement. Program length and savings depend on your financial situation and enrolled debts. Fees are typically a percentage of enrolled debt and are only charged after results are achieved. Read each provider’s terms carefully.