Use this directory of debt settlement companies to find a service that fits your needs. We only list licensed companies offering debt relief or debt settlement services in the United States. These companies will settle your debt for less than what you owe, and you can typically get a lower monthly payment and a quicker repayment term! This database of debt settlement companies was last updated on May 1, 2025.
CuraDebt
CuraDebt was founded in 1996 to help individuals and small businesses negotiate, consolidate, and settle their debts. Along with an in-house debt relief program, they also offer a tax relief team that has over 100 years of combined experience. The company is also highly rated by consumers. CuraDebt accumulated more five-star reviews than any other debt relief service. They were rated as one of the top two debt settlement companies by Consumer Watchdog and Top Consumer Reviews between 2009 and 2025 and are in good standing with the American Fair Credit Council (AFCC), the most prominent and oldest association for debt relief companies.
CuraDebt covers a wide range of debts, including credit cards, personal loans, and IRS debt. Interested parties can check if they qualify by participating in the company’s free debt relief consultation, which can be held online or over the phone. Curadebt offers debt relief services in 34 states.
1Debt Free
1Debt Free promises its clients financial freedom through debt negotiation and relief. Their customers deposit funds into an FDIC-insured account, which are later used to pay off creditors and the program’s cost. The company supports its claims through several customer testimonials, which can be found directly on the site. 1Debt Free is certified by the International Association of Debt Arbitrators (IADBA), approved by the American Fair Credit Council (AFCC), and is a U.S. Chamber of Commerce member.
1Debt Free does not require good credit or any upfront settlement fees. Candidate eligibility is determined through a complimentary debt analysis session, during which experts thoroughly review their debt. Services are unavailable in some states, such as New Jersey and New York, and fees may vary.
Alleviate Financial Solutions
For over 14 years, Alleviate Financial Solutions has helped thousands of customers settle their debts for less than what they owe. This longtime debt settlement company is based on five core values: service, empathy, excellence, transparency, and professionalism. Alleviate prides itself on its 24/7 support team, unique custom-made solutions, and positive feedback, which includes customer testimonials and an A+ rating from the Better Business Bureau.
You must show proof of a certified financial hardship to enroll in any of their programs. Once your financial status is established, Alleviate Financial Solutions will provide a free consultation to determine whether your specific type of debt is included in the services. If approved, the client starts paying into a savings account, which is used to negotiate a lower debt and reach a fair settlement. Alleviate Financial Solutions does not service all states, and fees may vary based on the debt amount and your payoff term.
Countrywide Debt Relief
With over 30 years of combined experience, Countrywide Debt Relief (CWDR) is seen as one of the largest debt settlement companies and has helped thousands of people settle and negotiate their debts. The company claims to have saved customers millions of dollars and promises to eliminate debt within 24 to 60 months. Customer testimonials and accreditation back these claims by the Better Business Bureau and the American Fair Credit Council (AFCC)
To qualify for a debt consolidation guarantee, interested parties must have a minimum of $15,000 in credit card debt and be able to afford a monthly payment of at least $250 or 1.5% of this debt. Poor credit does not influence qualification. Prospective candidates can be approved in just minutes, and once approved, debt is consolidated into a low monthly payment. CWDR offers a free consultation to help candidates determine eligibility, and their services are available in 22 states.
Resolve
Since its founding in 2017, Resolve has managed over $1.5 billion of distressed debt. Resolve is accredited by the Better Business Bureau and was selected by J.P. Morgan Chase as the CFSI Financial Solutions Lab winner. As of 2025, they have over 500 reviews from satisfied customers.
Resolve is incorporated in Delaware and currently offers debt help options in 30 states. They support debt-ridden individuals by negotiating with their creditors and helping manage financial information. Bank-level security and encryption ensure that personal data is protected throughout the process. Interested parties can see if they qualify by applying through Resolve’s online form.
Americor
Americor labels itself as the country’s premier debt relief service. Americor features a team of over 300 experts and has helped thousands of customers, resulting in over $ 3 billion in debt relief for qualified customers. Americor’s services are supported by several accreditations from the American Fair Credit Council (AFCC), the International Association of Professional Debt Arbitrators (IAPDA), the Receivables Management Association, and the Better Business Bureau.
Under Federal regulations, Americor does not charge any upfront fees in exchange for their services. Instead, prospective candidates can submit an estimate of their debt in exchange for a call to discuss their options with experts. Most settlements end up negotiated down to between 50% and 60% of the original balance. Interested parties can view their options directly through Americor’s site by submitting their debt and contact information. The company’s services are available in 30 states across the U.S., and most applicants with more than $8,000 in debt can qualify.
Greenwise Debt Relief
Greenwise Debt Relief hosts a team of dedicated experts who work closely with creditors to negotiate debt and help clients save money. The company offers easy access to debt specialists through the phone and a free evaluation.
Greenwise Debt Relief helps settle debts through a simple three-step process in the debt settlement program. First, prospective candidates meet with experts for a complimentary, no-obligation evaluation. The client is given a customized solution designed to reduce debt if approved. Finally, this solution leaves clients debt-free within 12 to 48 months. Clients who make monthly program payments pay about 50% of the enrolled balance (or 68% to 75%, including fees) throughout 24 to 48 months. Greenwise Debt Relief is not available in all states, and fees may vary by location.
Gateway Debt Relief
Gateway Debt Relief is a new debt settlement company in California that claims to offer a fresh approach to the industry. In addition to debt settlement, customers can also get assistance with debt validation and credit counseling, and they offer a money-back guarantee.
While Gateway Debt Relief is based in California, they offer debt help services in 19 other states and claims to have more states joining by the end of 2025. Their debt relief services last 12 to 48 months, and some customers have seen their debts negotiated down to just 25% of the original balance. You can qualify for their debt relief program if your debt amount is $8,000 or higher.
Credit First Financial
Based in San Diego, California, Credit First Financial is a debt services company that aims to help as many people as possible through customized solutions and expert advice. Customers can choose between five different debt options: debt resolution, credit counseling, loan consolidation, debt management, and bankruptcy. If a client is uncertain about which option is best, Credit First Financial can help guide them with a free consultation. Numerous debt settlement company rating services, including the Better Business Bureau and the International Association of Professional Debt Arbitrators (IAPDA), accredit the company.
After an initial consultation, the client will be given a customized solution to settle the debt. Most clients who settle all their debt realize savings of about 50% (30% including fees) over 24 to 48 months.
Debt Advisors of America
Based in Southern California, Debt Advisors of America caters to working-class families struggling with high interest rates or malicious lenders. DAA features a team of experts with decades of experience in the debt restructuring industry. The company does not provide debt settlement or consolidation services; instead, they refer customers to high-quality debt relief services and companies.
Debt Advisors is a member of the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA). Along with these accreditations, Debt Advisors backs up their services with customer testimonials. Interested parties can quickly contact one of their advisors over the phone to learn which option is best for them. Although Debt Advisors of America promotes debt restructuring or negotiating, They also claim to offer guidance on managing debt by making minimum payments and declaring bankruptcy.
Council Law Group
Council Law Group (CLG) is a law firm specializing in the legal aspect of debt settlement. Council Law caters to clients who do not fully understand the judicial process behind debt or are having difficulty dealing with creditors. The purpose of CLG is to support vulnerable, debt-ridden individuals by ensuring they know their rights and enforcing them. Services include advocating for consumers, protecting against creditor harassment, disputing debts, and helping with debt negotiation for high dollar amounts.
Council Law Group (CLG) ‘s dedication to customer service makes them stand out among other legal debt services. The firm combines customer service with legal expertise, resulting in a highly personalized and effective working relationship.
Money Ladder
Founded in 2018, Money Ladder is a relatively new debt relief provider that helps people turn their debt into assets. Money Ladder labels itself as a financial service company that offers simple debt management. Along with debt settlement and reduction, they provide financial resources and give customers tips on managing their finances for a better future. This includes access to certified client success specialists, personalized financial coaching, and free credit reporting.
This West Coast-based company is ideal for anyone looking for financial guidance in addition to debt management. Even though Money Ladder is a relatively new company, they have the accreditations and certifications necessary to support their services. This includes approval from the Financial Education Council and the International Association of Debt Arbitrators (IADBA). All personal information is verified and secured to protect customers’ privacy.
New Day Financial Solutions
New Day Financial Solutions is a nationally accredited debt settlement service and is one of the most extensive debt settlement programs in the US. New Day features a team of certified resolution specialists working closely with clients to negotiate and settle debts. After a free, no-obligation savings estimate, clients gain access to expert debt negotiators who advocate on their behalf and reduce debt to a fraction of what they owe. They will also compare debt settlement to other options, such as credit counseling and bankruptcy, to ensure the clients get the best one for their needs.
The company has over a decade of experience helping customers with their finances and operates in several states across the nation. Debt settlement clients who submit all their monthly program deposits pay about 60-70% of their original enrolled debts (including fees) over 24 to 48 months.
National Financial Relief
This debt settlement company has over three decades of experience negotiating debts and has hundreds of positive reviews for their debt relief services. There are no upfront fees, and clients who stay with the program and settle their debt save approximately 50% (30% including fees) over 24 to 48 months. National Financial Relief is a member of the American Fair Credit Council (AFCC) and the Better Business Bureau, maintaining an A rating.
National Financial Relief offers a simple, easy-to-use platform for clients seeking a comprehensive debt settlement program. After reporting their type of debt (credit card, high-interest loan, medical, or collections), clients can submit their address and receive a free quote. What truly sets this company apart is their 100% customer satisfaction rate—if clients are unsatisfied with their results, they do not have to pay any fees.
The Debt Management Group
This company, based in New York City, is led by a team of experienced financial consultants and advisers who are highly knowledgeable in debt relief, money management, and budgeting. The company has been in business for about a decade and is approved by the American Fair Credit Council (AFCC) and the Better Business Bureau (where they hold an A+ rating).
The Debt Management Group offers four different services that can be tailored to each client. These services include debt management (for clients with high interest rates), debt consolidation (a variation of debt management), modification (for people who cannot make their monthly payments), and settlement (or negotiation). Their debt relief services are not available in all states.
US Financial Relief
US Financial Relief has helped thousands of American citizens save millions of dollars in debt and payments through debt settlement. Specializing in credit card debt, medical bills, and unsecured loans, this company promises to make clients debt-free within 18 to 60 months. The business is approved by the American Fair Credit Council (AFCC) and has an A+ rating with the Better Business Bureau. To protect clients’ personal information, the site employs multiple security platforms.
US Financial Relief offers five programs: debt settlement, debt consolidation, debt counseling, debt management, and interest reduction. There are no upfront fees, and payments are affordable compared to other debt relief services. Clients who successfully make payments pay about 50% of their enrolled balance or 68 – 70%, including fees.
Square One Financial Group
This debt settlement service originated as a Federal Student Loan Education business in 2014. The company offers a customized debt program with terms ranging from 24 to 48 months. They can help with collection calls, reducing monthly payments, and overall reducing unsecured debt, while prioritizing debt resolution over bankruptcy, consolidation, and credit counseling.
Along with debt settlement services, Square One Financial Group provides personal loans to help people fulfill their payments on time. Loans range from $10,000 to $100,000, with rates starting at 10.99%. Same-day loan options are also available; candidates can receive funds within 48 hours. Loans do not affect credit scores, which is helpful for people looking to negotiate their debts.
Debtmerica
Debtmerica is a debt settlement company with one primary goal: to have no repeat customers. The company was founded over a decade ago, and as of 2025, many of their clients have secured settlements of 50% or better. With one low monthly payment, they help customers negotiate their obligations to avoid bankruptcy, debt consolidation, and credit counseling.
Debtmerica prides itself on helping customers achieve financial independence while following ethical guidelines. They are a regular participant in continuing education within the debt settlement industry and is one of the oldest debt settlement companies in the US.
Guardian Debt Relief
Guardian Debt Relief, based in New York City, was founded nearly a decade ago to help people minimize their debt and achieve financial freedom. They offer a simple, four-step program that guides clients through the debt settlement process from start to finish. After a free debt analysis, clients receive an estimate for their monthly payments.
To qualify for Guardian Debt Relief, the client must have at least $10,000 in unsecured debt(credit cards, personal loans, and medical bills). The company’s services are backed by customer testimonials and approval by both the American Fair Credit Council (AFCC) and the International Association of Debt Arbitrators (IADBA). Guardian also has an A+ rating from the Better Business Bureau.
New Era Debt Solutions
Since 1999, New Era Debt Solutions has been a leader in the debt settlement and relief industry. The company has helped clients settle over 350 million in debt. With no upfront fees and just one low monthly fee, the company offers an affordable way to get out of debt for good. Clients can get started by requesting a free debt analysis, which can be done directly on the website.
New Era Debt Solutions is accredited with the Better Business Bureau and holds an A+ rating. The site also features an array of customer testimonials, success stories, and reviews. Clients can access their services across 42 states; however, some states only have access to New Era Debt Solution’s affiliate law firm, CFLN.
DMB Financial
DMB Financial has a proven record of success in settling debts among the largest debt settlement companies. With over 30,000 satisfied customers and $2 billion in managed debt, this Massachusetts-based company helps clients become debt-free within 36 to 48 months.
DMB Financial follows a simple four-step program to help people reduce and eliminate their debt. First, clients participate in a free, no-obligation consultation session where they review their options. Next, they receive a customized program tailored to their financial needs. These funds are settled into an account later used in negotiations. On the company’s website, clients can view various customer testimonials that provide positive feedback. DMB Financial is also a member of the American Fair Credit Council (AFCC) and the International Association of Debt Arbitrators (IADBA), and an Inc. 5000 honoree.
