The Buyer's Choice Awards, driven by consumer feedback, incorporate thousands of verified reviews from ConsumerAffairs users across the United States. These awards are based on sentiments important to consumers in various categories, identified through web research, and include assessments of whether consumers had positive, negative or neutral experiences with companies.
Debt Settlement

Best Customer Service Winners
Debt settlement company that can negotiate unsecured debts with creditors in 24 to 48 months. Claims to save consumers about 20% after fees. Charges up to 25% of enrolled debt. Available in 45 states and Washington, D.C.
- Free consultation with debt coach
- Free debt relief quote
- Several accreditations
- Easy enrollment process
Best for clients with $5,000 or more in unsecured debt. Says it can reduce your monthly debt payment by up to 40%. Over $15 billion in client debt paid off. Your quote is 100% free and will not affect your credit score.
- ACDR, IAPDA and AFCPE accredited
- Nationwide availability
- Free consultations
- More than 15 years in business
Debt settlement company. Partnered with Credit9 for debt consolidation loans. No upfront fees. Fees vary and are a percentage of total enrolled debt. Cancel anytime. Satisfaction guarantee. For unsecured debts only.
- Free debt assessment with soft credit pull
- No upfront fees
- Consolidates unsecured debt into one monthly payment
Finalists
Settles unsecured debts, including credit card, medical and business debts. Offers additional services for private student loan debt and debt consolidation. Free consultation, but up to 29% in service fees.
- Available for private student loans
- Free consultation
- Accredited by AFCC
Provides debt consolidation, debt settlement and credit counseling services. IAPDA-certified staff. Fees are based on percentage of how much company saves you. Not available in all states. Doesn’t work with all kinds of debt.
- Offers structured debt settlement program
- Employs certified debt specialists
- Shares examples of past settlements
Best Overall Process Winners
Debt settlement company that can negotiate unsecured debts with creditors in 24 to 48 months. Claims to save consumers about 20% after fees. Charges up to 25% of enrolled debt. Available in 45 states and Washington, D.C.
- Free consultation with debt coach
- Free debt relief quote
- Several accreditations
- Easy enrollment process
Best for clients with $5,000 or more in unsecured debt. Says it can reduce your monthly debt payment by up to 40%. Over $15 billion in client debt paid off. Your quote is 100% free and will not affect your credit score.
- ACDR, IAPDA and AFCPE accredited
- Nationwide availability
- Free consultations
- More than 15 years in business
Provides debt consolidation, debt settlement and credit counseling services. IAPDA-certified staff. Fees are based on percentage of how much company saves you. Not available in all states. Doesn’t work with all kinds of debt.
- Offers structured debt settlement program
- Employs certified debt specialists
- Shares examples of past settlements
Finalists
Dedicated to helping consumers resolve past-due debt. Discounts and payment plans available. Full account history available online. An interactive wizard provides tools and resources.
- Available in 50 states
- No interest or fees
Best Experience with Staff Winners
Debt settlement company that can negotiate unsecured debts with creditors in 24 to 48 months. Claims to save consumers about 20% after fees. Charges up to 25% of enrolled debt. Available in 45 states and Washington, D.C.
- Free consultation with debt coach
- Free debt relief quote
- Several accreditations
- Easy enrollment process
Best for clients with $5,000 or more in unsecured debt. Says it can reduce your monthly debt payment by up to 40%. Over $15 billion in client debt paid off. Your quote is 100% free and will not affect your credit score.
- ACDR, IAPDA and AFCPE accredited
- Nationwide availability
- Free consultations
- More than 15 years in business
Debt settlement company offering debt settlement services and debt consolidation loans. Requires $5,000 minimum for debt settlement services. Free consultation. No upfront fees. Available in all states and Washington, D.C.
- Free consultation
- Available nationwide
- 24/7 live chat support
- Mobile app
Finalists
Provides debt consolidation, debt settlement and credit counseling services. IAPDA-certified staff. Fees are based on percentage of how much company saves you. Not available in all states. Doesn’t work with all kinds of debt.
- Offers structured debt settlement program
- Employs certified debt specialists
- Shares examples of past settlements
Law firm and debt settlement company. Available in all states. Works with unsecured debts only, such as credit card debt. Fees not listed. Attorney assistance included. Customer chat is available 24/7.
- Attorney assistance
- Chat available 24/7
Debt settlement company. Partnered with Credit9 for debt consolidation loans. No upfront fees. Fees vary and are a percentage of total enrolled debt. Cancel anytime. Satisfaction guarantee. For unsecured debts only.
- Free debt assessment with soft credit pull
- No upfront fees
- Consolidates unsecured debt into one monthly payment
Debt settlement company. Not available in all states. Works with unsecured debts such as credit card and medical debt. Fees are roughly 25% of enrolled debt plus monthly account fee. Legal support add-on packages available.
- Free consultation
- Legal support add-ons available
- No minimum debt required
Best Value for Price Winners
Debt settlement company that can negotiate unsecured debts with creditors in 24 to 48 months. Claims to save consumers about 20% after fees. Charges up to 25% of enrolled debt. Available in 45 states and Washington, D.C.
- Free consultation with debt coach
- Free debt relief quote
- Several accreditations
- Easy enrollment process
Best for clients with $5,000 or more in unsecured debt. Says it can reduce your monthly debt payment by up to 40%. Over $15 billion in client debt paid off. Your quote is 100% free and will not affect your credit score.
- ACDR, IAPDA and AFCPE accredited
- Nationwide availability
- Free consultations
- More than 15 years in business
Settles unsecured debts, including credit card, medical and business debts. Offers additional services for private student loan debt and debt consolidation. Free consultation, but up to 29% in service fees.
- Available for private student loans
- Free consultation
- Accredited by AFCC












