Top 10 Best Debt Settlement Companies

It can happen to just about anyone. You lose your job, someone in the family gets sick, or some other unexpected expense comes into your life and suddenly you're faced with the prospect of not being able to pay your bills on time. From there, things start to snowball. You get further and further behind on payments, late fees and interest rates keep getting higher and since in today's economy it is as hard as ever to generate additional income, the gap between how much money you have and how much money you owe keeps increasing. You don't want to give up, but it starts looking like bankruptcy may be the only way out.

Debt settlement may be a way to keep from having to declare bankruptcy. Debt settlement companies work to negotiate with your creditors to lower your debts. Then, if they are successful in reducing the amount you owe, you can reverse the downward spiral and save yourself from the embarrassment and intrusive court-mandated controls of bankruptcy.

Debt settlement is not for everyone. Debt settlement does not work for all types of debt and, like declaring bankruptcy, debt settlement will wreak havoc on your credit reports and your credit score. Debt settlement should not be taken lightly and should only be considered when you are nearing the end of your rope. But if you are afraid that bankruptcy is on the horizon, it is worth investigating debt settlement as an option.

Listed here are the top ten best debt settlement companies. If debt settlement is a good option for you, contacting these companies could be the first step in bringing your finances back under your control.
The Top Ten
1 Accredited Debt Relief Accredited Debt Relief is one of the largest and most reputable debt consolidation companies in the United States. Founded in 2008, they have helped nearly 300,000 clients consolidate and rid themselves of $4.77 billion dollars of combined debt... read more Visit Website
2 CuraDebt Specializing in debt relief services, CuraDebt offers solutions for individuals and businesses struggling with debt. The company provides a variety of options including debt consolidation, debt settlement, and credit counseling. CuraDebt aims to offer personalized debt management plans to help clients... read more

CuraDebt saved my life. I was $12,000 in debt and didn't know who to contact until a neighbor introduced me to this company. The consultation is a free phone call, and the CuraDebt counselor answered all my questions and steered me in the proper direction.

In just over 24 months, I became debt-free thanks to you all. If anyone is stuck deep in unsecured or credit card debts, I highly recommend them. They will work with you, not against you.

CuraDebt has settled over $250 million in consumer and business debt. They are a member in good standing of The Association of Settlement Companies (TASC), which is the largest and oldest association of debt settlement companies.

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Glad you found them too (Settlebankdebt). I've been recommending them to friends and on the internet because word of mouth is usually the best way to find a good source.

My debt was about $62,000 - difficult to tell the principal because of all the interest tacked on. I was pretty much humiliated and disgusted with myself that this happened. I always had good intentions of paying it all off until I lost my job.

Anyway, I spent 11 hours on the phone one day calling different debt settlement companies. I could get a feel for who was giving me a snow job and who was down to earth. My instincts were right, and Settlebankdebt came through at about 30 cents on the dollar, just like the poster before me. They also advised me on credit repair, and I think it will take about two years to get back up in the 700s.

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4 Freedom Debt Relief

I voted for Freedom because of their legal department, especially the representative Alison Hanson, who always handles my files with professionalism and gives truthful and factual information. Great job, Freedom, for having a huge asset like Alison.

I deal with Credit Solutions daily and wouldn't settle a thing with them because they're a bunch of morons and can never be as accurate or knowledgeable as you are. Great job!

Thank you, FDR, for being so professional and empathetic to my situation. My $37,000 of credit card debt was settled in 42 months, and they don't get paid until that debt is settled. They were very professional, and I never wait for more than a few seconds for someone to answer when I call.

I have recommended them to friends and a couple of family members because I'm confident that FDR will help them as well. Thank you, Freedom Debt Relief. My life is back on track.

5 DMB Financial

They don't take all their fees upfront. Instead, they get paid only when they actually negotiate a good settlement. Plus, they were recognized in Forbes Magazine this year. They take the time to explain what your options are.

DMB Financial is the best. They work with their clients to obtain the best possible option, and their representatives stay in touch with you. You always know what is going on and what is happening.

DMB is one of the longest-running contingency fee debt settlement companies in the industry. DMB was offering no upfront fee programs two years prior to the FTC's ruling against upfront fees.

6 Trident Debt Solutions

Read their reviews on Google Maps, and you will see why. Stephen Craig is personable, and he knows debt settlement more than anyone I know. He got my debt down to much less than I was actually expecting to pay. Give them a try...

7 Premier Debt Help

This is a legitimate debt settlement company that took the time to work out the best possible debt program for my personal situation. I can't say enough about how their customer service worked closely with me and how they completely erased all of my debt in just over two years.

(I just finished the program and I feel like a brand new person.) Thank you, Premier!

I was with Freedom Debt Relief and experienced horrible service. When I joined Premier, I was assigned a coach and a separate negotiator. They held my hand through the entire process. I highly recommend them. Best of all, they did not charge me until they settled my debt.

8 Oak View Law Group

I came across Oak View Law Group two years ago when I was in a critical financial condition. I was burdened with payday loans, credit card debts, and a few medical bills. I couldn't find any way to get out of this mess. Threatening calls from creditors made me scared. I searched for solutions online and found I must say they are superb. They were so friendly and answered all my questions.

I signed up with them, and the creditor calls stopped within a month. They settled my debts of around $33,000, and I saved more than $16,000. I am debt-free now and happily living with my partner. I recommend Oak View Law Group to anyone who is in debt and wants to get out of it. Thanks, Oak View Law Group.

9 Debtmerica

I had many questions and made many calls to Dan throughout this process. He always answered all of my questions in a manner that left me feeling assured and comfortable with this program.

10 Ooraa

After losing my job, I was only left with unpaid credit card bills of $50,000. I was not able to understand what to do and was just thinking that I was stuck in a dump of credits. That's when I saw the OORAA ad on TV and thought of giving it a try. The girl, Sonia, helped me a lot and answered all my queries patiently.

They put me at ease, that too without any kind of interest. It's been eight months working with them, and they already settled two of my major cards. I just feel so free now. Just wanna thank Sonia and all the others who are still helping me in clearing my debts. God bless you all!

The Contenders
11 ClearOne Advantage
12 Financial Rescue LLC
13 McCarthy Law PLC

National debt attorneys experienced in negotiating your debt with the law behind them. Over 100 locations across the nation. We meet you in person for a free consultation.

14 Debit Settlement Group Inc
15 United Debt Settlement
16 CareOne

I've dealt with this debt consolidation period a few times and have always been helped thoroughly. I highly recommend!

17 Golden Financial Services

Golden Financial Services is the only debt relief company that offers multiple debt relief programs, including an attorney-based debt settlement program, debt validation, debt dismissal, and consumer credit counseling. The company has zero customer complaints and an A+ BBB rating. Trusted Company Reviews just ranked Golden Financial number one. How is Golden Financial not on this list of top ten?

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