AI Credit RepairAgency

Top Debt Relief & Consolidation Programs

Compare verified debt settlement and consolidation options to reduce your monthly payments and become debt-free faster.

Advertiser Disclosure: We are an independent comparison site supported by referral fees. We do not offer loans or debt settlement services directly.

Compare Debt Solutions

Provider
Rating
Key Features
Pricing
Action
N

National Debt Relief

Large Debt Amounts
4.9
35,000 reviews
  • No upfront fees
  • Dedicated account manager
  • A+ BBB Rating
15-25%
per month
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Affiliate Disclosure
F

Freedom Debt Relief

Customer Service
4.7
28,000 reviews
  • Custom dashboard
  • Negotiates directly
  • 20+ years experience
18-25%
per month
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Affiliate Disclosure
A

Accredited Debt Relief

Consolidation Loans
4.8
5,600 reviews
  • Fast consolidation options
  • Personalized plans
  • Money-back guarantee
Varies
per month
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Affiliate Disclosure

Debt Settlement vs. Consolidation

Understanding the difference is crucial for your financial health.

  • Debt Settlement

    Negotiating with creditors to pay less than what you owe. This can significantly lower your total debt but will negatively impact your credit score in the short term.

  • Debt Consolidation

    Taking out a new loan to pay off multiple debts. This simplifies payments into one monthly bill and often lowers your interest rate, but requires good credit to qualify.

When to Seek Help

You are making only minimum payments on your credit cards.

Your total unsecured debt is more than half of your annual income.

You are considering bankruptcy as an option.

You have received calls from collection agencies.