Debt has become a defining challenge for millions of Americans in 2025. Rising living costs, record-high credit card interest rates, and lingering economic pressures have pushed more households into financial strain. According to recent studies, the average U.S. household carries over $7,500 in credit card debt, and many struggle with medical bills, personal loans, and other unsecured debts.
For people who feel overwhelmed, debt relief programs offer a structured path forward. Unlike debt consolidation loans—which replace multiple debts with a single loan at a lower interest rate—debt relief companies work on your behalf to negotiate with creditors, reduce balances, and create affordable payment plans. These programs typically run for 24–48 months and can help borrowers avoid bankruptcy while regaining financial stability.
But not all debt relief companies are the same. Some are accredited, transparent, and highly effective, while others make unrealistic promises or charge unfair fees. Choosing the right partner can mean the difference between a fresh start and deeper financial trouble.
This guide highlights the 8 best debt relief companies for 2025. Each was selected based on reputation, accreditation, customer support, program flexibility, and long-term results. Whether you’re dealing with $7,500 in credit card balances or $50,000+ across multiple accounts, this list will help you find a trustworthy company that fits your situation.
Table of Contents
What to Look for in a Debt Relief Company
Before committing to a debt relief program, it’s important to know what makes a company reliable and effective. Here are the most important factors to evaluate:
Accreditation & Certification
- Look for membership in the American Fair Credit Council (AFCC) or certification from the International Association of Professional Debt Arbitrators (IAPDA).
- These credentials show the company follows ethical, transparent practices.
Types of Debt Covered
- Most programs focus on unsecured debt: credit cards, medical bills, personal loans.
- Some companies (like CuraDebt) also handle tax debt and business debt.
- Secured debts (mortgages, auto loans) usually do not qualify.
Fee Structure
- Legitimate companies charge no upfront fees (per FTC rules).
- Settlement fees are typically 15%–25% of enrolled debt and only collected after successful settlements.
- Be cautious of firms that demand payment before any results.
Program Length
- Most debt relief programs run 24–48 months.
- Shorter programs may have higher monthly payments, while longer ones spread payments out but take more time to complete.
Customer Reviews & Reputation
- Check BBB ratings, Trustpilot reviews, and CFPB complaints.
- Look for consistent positive feedback on communication, transparency, and results.
Transparency & Compliance
- Reputable companies provide clear contracts that explain fees, timelines, and potential impacts on your credit.
- Watch for vague promises or “guarantees” of results.
Extra Services
- Some companies offer credit counseling, budgeting advice, or financial education alongside debt relief.
- These add-ons help you avoid falling back into debt once your program ends.
Quick Comparison Table: Best Debt Relief Companies for 2025
| Company | Founded | Services Offered | Minimum Debt Required | Fees (After Settlement) | Best For | Standout Feature |
|---|---|---|---|---|---|---|
| Freedom Debt Relief | 2002 | Debt settlement | $7,500 | 15% – 25% | Overall best option | Largest debt relief provider in the U.S. |
| National Debt Relief | 2009 | Debt settlement, consolidation | $7,500 | 15% – 25% | Customer support | Highly rated for client satisfaction |
| Accredited Debt Relief | 2011 | Debt settlement, consolidation | $10,000 | 15% – 25% | Flexible programs | Works with multiple partner networks |
| CuraDebt | 2000 | Debt & tax debt settlement | $10,000 | 15% – 25% | Tax & business debt | Specializes in IRS/tax resolution |
| New Era Debt Solutions | 1999 | Debt settlement | $7,500 | 15% – 20% | Transparency | In-house services, no outsourcing |
| Pacific Debt Relief | 2002 | Debt settlement | $7,500 | 15% – 25% | Smaller debt balances | Lower minimum requirements |
| Century Support Services | 2003 | Debt settlement | $10,000 | 15% – 25% | Long-term programs | Strong ongoing financial coaching |
| DMB Financial | 2003 | Debt settlement | $7,500 | 15% – 25% | Aggressive negotiation | Specializes in credit card debt relief |
The 8 Best Debt Relief Companies for 2025
1. Freedom Debt Relief – Best Overall
Overview
Founded in 2002, Freedom Debt Relief is the largest and one of the most recognized debt relief companies in the United States. It has helped hundreds of thousands of clients resolve billions in unsecured debt. Its scale, experience, and AFCC accreditation make it the most trusted choice for many borrowers.
Key Features
- Minimum debt: $7,500.
- Average program length: 24–48 months.
- Fees: 15%–25% of enrolled debt, only charged after successful settlements.
- Free initial consultation and custom debt evaluation.
- Online client dashboard to track progress in real time.
Best For
Consumers with large debt balances who want an experienced provider with a strong reputation and proven track record.
Downsides
- Not available in all 50 states.
- Program may temporarily lower credit score before settlements are finalized.
Read our Freedom Debt Relief Review for more features and programs not covered here.
2. National Debt Relief – Best for Customer Support
Overview
Since 2009, National Debt Relief has built a reputation as one of the most customer-friendly debt relief companies. Known for excellent client support and high satisfaction ratings, it offers free consultations and clear, transparent terms.
Key Features
- Minimum debt: $7,500.
- Covers credit card debt, personal loans, and medical bills.
- Fees: 15%–25% of enrolled debt, paid only after settlements.
- Offers free educational resources for money management.
- Accredited by both the AFCC and IAPDA.
Best For
Borrowers who value strong customer service, hand-holding through the process, and clear communication.
Downsides
- Does not handle certain types of debt, such as secured loans or tax debt.
- Like most programs, completion takes 24–48 months.
3. Accredited Debt Relief – Best for Flexible Programs
Overview
Founded in 2011, Accredited Debt Relief partners with a large network of settlement providers, giving borrowers flexibility in designing a program that meets their needs. Its personalized approach and strong customer reviews make it a good choice for those who want options.
Key Features
- Minimum debt: $10,000.
- Covers unsecured debt including credit cards, medical bills, and personal loans.
- Fees: 15%–25%, success-based only.
- Offers debt consolidation and settlement services.
- Accredited by the AFCC, ensuring compliance with industry standards.
Best For
Borrowers who want a flexible program with multiple provider options to find the best fit for their debt situation.
Downsides
- Higher minimum debt requirement ($10,000).
- Programs can take several years to complete.
4. CuraDebt – Best for Tax Debt and Business Debt
Overview
CuraDebt has been in operation since 2000 and stands out from most debt relief companies because it not only handles personal unsecured debt but also tax debt and small business debt. With more than two decades of experience, it offers specialized programs that many competitors don’t provide.
Key Features
- Minimum debt: $10,000.
- Covers credit cards, medical bills, personal loans, IRS tax debt, and some business debts.
- Fees: 15%–25%, charged only after successful settlements.
- Offers tax professionals to negotiate directly with the IRS.
- Provides both debt settlement and debt relief counseling services.
Best For
Borrowers dealing with tax-related or business debt, in addition to personal unsecured debt.
Downsides
- Higher minimum debt requirement.
- Not available in all states.
5. New Era Debt Solutions – Best for Transparency
Overview
New Era Debt Solutions has been serving clients since 1999 and differentiates itself by keeping all services in-house, rather than outsourcing to third-party providers. It has a reputation for transparency and customer trust.
Key Features
- Minimum debt: $7,500.
- Focuses on unsecured debt such as credit cards, personal loans, and medical bills.
- Fees: typically 15%–20%, which is slightly lower than many competitors.
- Accredited by the AFCC.
- Provides a no-upfront-fee guarantee and personalized program design.
Best For
Borrowers who value honesty, transparency, and working with a company that does not outsource services.
Downsides
- Smaller scale compared to giants like Freedom or National.
- May not have as many resources or funding power for negotiation.
6. Pacific Debt Relief – Best for Smaller Debt Balances
Overview
Founded in 2002, Pacific Debt Relief is a mid-sized company that has carved out a niche helping consumers with lower debt balances. Its programs are known for strong customer support and personalized service.
Key Features
- Minimum debt: $7,500.
- Specializes in unsecured debt such as credit cards and personal loans.
- Fees: 15%–25% after settlement.
- Smaller company with more hands-on approach compared to national giants.
- Consistently high reviews from clients on Trustpilot and BBB.
Best For
Borrowers with modest debt amounts who want personalized support and don’t want to feel like “just a number.”
Downsides
- Limited availability in some states.
- Not ideal for very large debt balances over $100,000.
7. Century Support Services – Best for Long-Term Programs
Overview
Century Support Services has been in business since 2003 and has helped hundreds of thousands of clients resolve unsecured debt. It is known for its structured, long-term programs and strong emphasis on ongoing financial coaching, making it a solid option for borrowers who need more than just debt settlement.
Key Features
- Minimum debt: $10,000.
- Covers unsecured debt including credit cards, medical bills, and personal loans.
- Fees: 15%–25% of enrolled debt, collected after settlements.
- Offers dedicated account representatives for ongoing guidance.
- Accredited by the AFCC.
Best For
Borrowers who prefer structured, long-term support and hands-on financial coaching throughout their program.
Downsides
- Higher minimum debt requirement than some competitors.
- Programs may take longer to complete, especially for larger balances.
8. DMB Financial – Best for Aggressive Negotiation
Overview
DMB Financial, founded in 2003, is a Massachusetts-based debt relief company that specializes in credit card and unsecured debt. Known for its aggressive negotiation style, it has helped thousands of clients settle significant portions of their balances.
Key Features
- Minimum debt: $7,500.
- Specializes in credit card debt, personal loans, and medical bills.
- Fees: 15%–25% of enrolled debt, charged only after settlements.
- Accredited by the AFCC.
- Provides personalized financial assessments and tailored repayment plans.
Best For
Borrowers with large credit card balances who want a company experienced in negotiating aggressively with major banks and lenders.
Downsides
- Mixed customer reviews about communication and program length.
- Like most debt settlement companies, programs may negatively impact credit in the short term.
Decision Guide: Which Debt Relief Company Is Right for You?
Not every debt relief company is the same, and the right choice depends on your debt size, type, and goals. Here’s a breakdown to help you decide:
Best Overall:
- Freedom Debt Relief – Largest provider, proven track record, good for high balances.
Best for Customer Support:
- National Debt Relief – Strong client service and high satisfaction ratings.
Best for Flexible Programs:
- Accredited Debt Relief – Works with multiple partners to customize solutions.
Best for Tax or Business Debt:
- CuraDebt – One of the few companies specializing in IRS and business debt.
Best for Transparency:
- New Era Debt Solutions – Keeps services in-house with no outsourcing.
Best for Smaller Debt Balances:
- Pacific Debt Relief – Good option if you owe closer to $7,500.
Best for Long-Term Support:
- Century Support Services – Provides structured, ongoing financial coaching.
Best for Aggressive Negotiation:
- DMB Financial – Focuses heavily on reducing large credit card balances.
Regulation and Consumer Protection in 2025
The debt relief industry is regulated more closely today than it was a decade ago, thanks to consumer protection laws and oversight. Borrowers should understand these safeguards before enrolling in any program:
Federal Trade Commission (FTC) Oversight
- The FTC regulates debt settlement under the Telemarketing Sales Rule (TSR).
- Companies are prohibited from charging upfront fees. They can only collect fees after successfully negotiating and settling a debt.
American Fair Credit Council (AFCC)
- Many reputable companies are members of the AFCC.
- Membership requires compliance with strict ethical standards, including transparency, honesty in advertising, and fair fee structures.
International Association of Professional Debt Arbitrators (IAPDA)
- Certifies individual debt specialists to ensure they have the training and knowledge to handle negotiations.
State Regulations
- Some states impose additional licensing or restrictions on debt relief companies.
- Availability of programs may vary depending on where you live.
Consumer Rights
- You have the right to clear contracts explaining all fees and program terms.
- You may withdraw from a program at any time without penalty.
- Creditors are not legally required to negotiate, though most will if approached by reputable firms.
Potential Risks
- Debt settlement may temporarily lower your credit score since you stop paying creditors directly during negotiations.
- Some creditors may continue collection efforts until a settlement is reached.
- Always ensure the company you choose is accredited, transparent, and has a history of successful negotiations.
FAQs
Q1. What is debt relief and how does it work?
Debt relief companies negotiate with your creditors to reduce the total balance you owe. You make monthly payments into a program account, and when enough funds accumulate, the company settles your debts one by one.
Q2. How long does debt relief take?
Most programs last 24 to 48 months, depending on your debt amount, monthly contribution, and how quickly settlements are reached.
Q3. Does debt relief hurt your credit score?
Yes, your credit score usually drops in the short term because you stop paying creditors directly. However, as debts are settled and balances fall, many clients see gradual recovery over time.
Q4. What fees do debt relief companies charge?
Legitimate companies charge 15% to 25% of the total enrolled debt, but only after they successfully negotiate a settlement. By law, they cannot charge upfront fees.
Q5. Is debt relief better than bankruptcy?
Debt relief is generally less damaging to your credit than bankruptcy and allows you to repay a portion of your debt. Bankruptcy may be the right choice in extreme situations but should be considered a last resort.
Q6. How do I avoid debt relief scams?
Choose companies that are AFCC-accredited, transparent about fees, and compliant with FTC rules. Avoid any firm promising guaranteed results or asking for money upfront.
Conclusion
Debt relief in 2025 is a lifeline for many households struggling under the weight of unsecured debt. With credit card interest rates near record highs and household debt climbing, more people are turning to trusted providers to negotiate settlements and regain financial stability.
The best debt relief company for you will depend on your debt balance, type of debt, and personal goals:
- Freedom Debt Relief remains the best all-around choice for most borrowers.
- National Debt Relief is ideal if you want attentive customer support.
- Accredited Debt Relief works well if you need flexibility.
- CuraDebt is unmatched for tax or business debt.
- Smaller firms like New Era, Pacific, Century, and DMB provide specialized services for unique needs.
The most important step is to choose a company that is transparent, accredited, and realistic about outcomes. While debt relief is not a quick fix, it can reduce what you owe, stop collection calls, and give you a structured plan toward freedom.
Debt doesn’t have to define your future. With the right partner, 2025 can be the year you take control, break free from financial stress, and start building a healthier financial life.
