The Buyer's Choice Awards, driven by consumer feedback, incorporate over 4 million reviews from ConsumerAffairs website 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
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 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
Best Value Winners
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 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
Best Overall Process Winners
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 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
Nonprofit organization. Employes NFCC-certified counselors. Free debt, student loan and mortgage delinquency counseling. Debt consolidation program averages a $35 enrollment fee + $28 monthly fee. Available in all 50 states.
- NFCC-certified counselors
- Free counseling services
- Serves all 50 states
Finalists
Specializes in unsecured debt settlement services. Debt could be settled in as little as 24 to 48 months, and fees range from 15% to 25%. $7,500 minimum debt required. Track progress 24/7 via online dashboard.
- No fees until settlement reached, authorized by client
- Has resolved over $20 billion in debt in 20-plus years
- Works with high debt amounts
- Long-term credit recovery