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. Rankings below are based on experience, accreditations, client outcomes, and support quality.

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.