best debt management companies
Getting out of debt

Best Debt Management Companies in the USA

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Debt is an unfortunate reality for many Americans. According to the Federal Reserve, total household debt in the US reached over $16 trillion in 2021. With rising interest rates and economic uncertainty, finding help to manage debt has become more important than ever for consumers.

A debt management company can provide customized debt relief solutions, negotiate with creditors, consolidate payments, and help you regain control of your finances. However, not all companies are created equal. This article outlines the best debt management companies in the USA based on reputation, services, and customer satisfaction.

How Best Debt Management Companies Work

A reputable debt management company acts as an intermediary between you and your creditors. They work to:

  • Assess your financial situation and debt load
  • Develop a personalized debt relief plan
  • Negotiate reduced interest rates and waived fees from creditors
  • Consolidate multiple payments into one monthly payment
  • Provide education on improving financial habits

The debt management company collects your consolidated payment each month and disperses it to your creditors. Many companies charge a monthly fee for their services, which is added to your payment.

Top 9 Best Debt Management Companies

Company Rating Key Features
National Debt Relief 4.9/5 – No upfront fees

– 95% of clients complete program successfully

Freedom Debt Relief 4.8/5 – One of the largest debt settlement companies

– $10+ billion in debt resolved

Accredited Debt Relief 4.7/5 – Free debt savings estimate

– Customized debt relief plans

Pacific Debt 4.6/5 – Fee-only program available

– Free debt analysis

Guardian Debt Relief 4.5/5 – Additional financial education services

– Not for profit

CuraDebt 4.4/5 – Free consultations

– Accredited with IAPDA

Oak View Law Group 4.3/5 – 100% attorney-based services

– All programs are fee-based

New Era Debt Solutions 4.2/5 – Broadest debt relief services

– Customized programs

American Consumer Credit Counseling 4.0/5 – Long-standing non-profit

– Free credit counseling

Below is an overview of each of the best debt management companies based on reputation, services, and satisfaction ratings.

National Debt Relief

National Debt Relief (NDR) is one of the most reputable and effective best debt management companies in the industry. Key features include:

  • Rated 4.9/5 on Trustpilot based on over 11k reviews
  • No upfront fees – fees range from 15-25% of enrolled debt
  • Over 95% of NDR clients successfully complete their debt relief program
  • Accredited with the American Fair Credit Council (AFCC)

NDR offers debt settlement services to reduce total debt owed. They negotiate with creditors on your behalf to settle accounts for a fraction of the balance. This can eliminate balances much faster than minimum payments.

Freedom Debt Relief

As one of the largest debt management companies in the US, Freedom Debt Relief has resolved over $10 billion in debt for clients. Highlights include:

  • Rated 4.8/5 on Trustpilot based on 15k+ reviews
  • Fees range from 15-25% of enrolled debt, no upfront costs
  • All Freedom advisors are certified by the AFCC
  • Customized debt relief programs including debt settlement

Freedom works with all major credit card and unsecured debt accounts. Their debt experts negotiate with creditors to reduce or eliminate interest rates, fees, and principal balances.

Accredited Debt Relief

Accredited Debt Relief provides customized programs to resolve debt through settlement, consolidation, and management plans. Key features:

  • Rated 4.7/5 on Trustpilot based on 6,500+ reviews
  • Offers free debt savings estimate
  • Managed over $1 billion in debt with 97% client satisfaction
  • Certified debt specialists

Accredited customizes its services based on each client’s unique financial situation. All programs aim to save money, eliminate debt faster, and achieve financial freedom.

Pacific Debt

Pacific Debt is praised for its customer service and flexible debt relief options. Notables include:

  • Rated 4.6/5 on Trustpilot based on 1,700+ reviews
  • Fee-only and fee-based programs available
  • Free debt analysis by a certified debt consultant
  • Member of the AFCC with certified advisors

Pacific Debt provides both full-service debt settlement and pay-as-you-go settlement programs. This allows clients to choose the right debt relief option for their needs and budget.

Guardian Debt Relief

Guardian Debt Relief sets itself apart by offering both financial and educational services. Key features:

  • Rated 4.5/5 on Trustpilot based on 1,300+ reviews
  • Not-for-profit company focused on ethics and quality
  • Customized debt settlement and management programs
  • Additional services like budgeting assistance

Guardian Debt Relief aims to provide clients with the tools and guidance to achieve long-term financial stability. Their programs help clients pay off debt while learning healthy money management habits.


CuraDebt has over two decades of experience helping consumers reduce and eliminate debt through settlement. Standouts include:

  • Rated 4.4/5 on Trustpilot based on almost 900 reviews
  • Accredited with the International Association of Professional Debt Arbitrators (IAPDA)
  • Free debt consultations with a certified financial expert
  • Negotiates with credit card companies, medical providers, and other creditors

CuraDebt is known for its quality customer service. Their experts work directly with creditors to settle debt for as little as 30-50% of the outstanding balance.

Oak View Law Group

Oak View Law Group provides trusted attorney-based debt relief services, including:

  • Rated 4.3/5 on Trustpilot based on 300+ reviews
  • Only attorney-based debt relief company in the US
  • Customized programs for consumer debt, business debt, foreclosures, etc.
  • All services are fee-based

Having a law firm represent you can lead to more successful negotiations with creditors. Oak View’s attorneys leverage their expertise to resolve debt through settlement or bankruptcy if needed.

New Era Debt Solutions

New Era Debt Solutions offers one of the most comprehensive selections of debt relief services. Key details:

  • Rated 4.2/5 on Trustpilot based on 600+ reviews
  • Programs for debt settlement, debt management, and debt consolidation
  • Free, no-obligation debt consultations
  • Customized services to resolve various debt accounts

New Era develops tailored debt relief strategies based on each client’s financial circumstances. Their wide range of programs can accommodate most debt situations.

American Consumer Credit Counseling

American Consumer Credit Counseling (ACCC) is one of the oldest non-profit credit counseling agencies, founded in 1991. Notable features:

  • Rated 4/5 on Trustpilot based on 700+ reviews
  • Accredited by the Office for the Regulation of Non-Profit Organizations
  • Free credit counseling and financial education
  • Debt management plans with reduced interest rates

As a non-profit, ACCC focuses on providing affordable services to help clients pay off debt through counseling and debt management. Their certified counselors offer both free and paid services.

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Choosing the Best Company for You

When comparing best debt management companies, here are some factors to consider:

  • Services offered – Look for a company that provides the type of debt relief you need such as settlement, consolidation, or management.
  • Cost structure – Make sure to understand the fee structure. Many companies charge a percentage of enrolled debt. Others have monthly fees.
  • Types of debt handled – Certain companies specialize in different debt types like credit cards, medical bills, student loans, etc.
  • Customer reviews – Read third-party reviews to evaluate reputation and success rates.
  • Non-profit vs for-profit – Non-profits can offer services at lower cost though results may not differ.
  • Certifications – Look for companies accredited with the AFCC or IAPDA for quality assurance.

The right debt management company for you depends on your financial situation and the depth of assistance needed. Comparing multiple companies can help you find the best fit.

Get Your Financial Life Back on Track

If mounting debt has become overwhelming, the right best debt management companies can help you regain control of your finances. Professional guidance and structured debt relief programs can help you save money on interest, get accounts settled, and consolidate multiple payments.

While debt resolution takes time and diligence, thousands of consumers have found success via reputable debt management companies. Partnering with the experts can help you eliminate debt faster so you can achieve financial freedom.




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