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 is often reduced by as much as 50%, with most cases settled in 24-48 months. Fees vary between 15-25% of enrolled debt. No upfront fees. $7,500 minimum debt required. Offers debt settlement services, not a loan provider.
- Free consultation with debt coach
- Free debt relief quote
- Numerous accreditations
- FProfessional and responsive customer support
- Easy enrollment process
Best for clients with $10,000 or more in unsecured debt. Says it could reduce your debt by up to 40%. Over $3 billion in client debt paid off. Your quote is 100% free and will not affect your credit score.
- Accredited with BBB, AFCC, IAPDA
- Various debt consolidation options
- Free consultation
- Experienced Consolidation Specialists
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 is often reduced by as much as 50%, with most cases settled in 24-48 months. Fees vary between 15-25% of enrolled debt. No upfront fees. $7,500 minimum debt required. Offers debt settlement services, not a loan provider.
- Free consultation with debt coach
- Free debt relief quote
- Numerous accreditations
- FProfessional and responsive customer support
- Easy enrollment process
Best for clients with $10,000 or more in unsecured debt. Says it could reduce your debt by up to 40%. Over $3 billion in client debt paid off. Your quote is 100% free and will not affect your credit score.
- Accredited with BBB, AFCC, IAPDA
- Various debt consolidation options
- Free consultation
- Experienced Consolidation Specialists
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 is often reduced by as much as 50%, with most cases settled in 24-48 months. Fees vary between 15-25% of enrolled debt. No upfront fees. $7,500 minimum debt required. Offers debt settlement services, not a loan provider.
- Free consultation with debt coach
- Free debt relief quote
- Numerous accreditations
- FProfessional and responsive customer support
- Easy enrollment process
Best for clients with $10,000 or more in unsecured debt. Says it could reduce your debt by up to 40%. Over $3 billion in client debt paid off. Your quote is 100% free and will not affect your credit score.
- Accredited with BBB, AFCC, IAPDA
- Various debt consolidation options
- Free consultation
- Experienced Consolidation Specialists
Debt settlement company. Not available in all states. Works with unsecured debts only, such as credit card debt. Fees are 15% to 25% of enrolled debt, owed only if negotiations are successful. Customer chat is available 24/7.
- Free consultation
- Mobile app
- 24/7 live chat support
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 is often reduced by as much as 50%, with most cases settled in 24-48 months. Fees vary between 15-25% of enrolled debt. No upfront fees. $7,500 minimum debt required. Offers debt settlement services, not a loan provider.
- Free consultation with debt coach
- Free debt relief quote
- Numerous accreditations
- FProfessional and responsive customer support
- Easy enrollment process
Best for clients with $10,000 or more in unsecured debt. Says it could reduce your debt by up to 40%. Over $3 billion in client debt paid off. Your quote is 100% free and will not affect your credit score.
- Accredited with BBB, AFCC, IAPDA
- Various debt consolidation options
- Free consultation
- Experienced Consolidation Specialists
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












