Debt Relief Program

We’ll be reviewing the leading debt relief companies and to find out which one is the best fit for your challenging circumstances. Let’s take a look at the very best in debt consolidation, credit counseling, credit card consolidation and much more.

Best Choice Award

#1 – CuraDebt

curadebt Visit Website

CuraDebt Overview

CuraDebt has been helping consumers get out of debt since 1996. Cura-Debt specializes in debt negotiation, debt settlement and also offers advice in regards to debt management plans, consumer credit counseling and debt consolidation plans. Their expert staff will work with you to determine which path you should seek to get yourself out of debt fast, and back on the right track. CuraDebt works with consumers who have $10,000 or more in unsecured or tax debts. Please note the CuraDebt does not provide services in every state of the US. The following states are excluded from their services: CO, CT, GA, IA, ID, IL, KS, ND, NH, SC, VT, WA, WI, WV. You can be guaranteed that this is one of the best debt relief companies you can find, helping you to experience the peace of mind that you deserve.


  • Helps to clear debt greater than $10,000
  • Accredited with the Online Better Business Bureau
  • Specializing in Debt Settlement, Debt Consolidation
  • Over 9 years in business

2nd Place

#2 – National Debt Relief

National Debt Relief Visit Website

National Debt Relief Overview

National Debt Relief helps consumers with $7,500 or more in debt. Whether you have credit card debt or medical bills, National Debt Relief can help consolidate and reduce your this debt, getting you back on the right track. National Debt Relief starts every debt reduction plan with debt settlement and debt negotiation by lowering your monthly debt payments. They can even negotiate a lower interest rate as well, depending on your creditors. National Debt Relief is accredited with the Better Business Bureau and they maintain an A rating. One of the best debt relief agencies in the business, this is a tremendous choice when you’re looking to get yourself on the path to financial solvency.


  • Ideal for debt greater than $7,500
  • Accredited with the Better Business Bureau and A- Rating
  • Specializing in Debt Settlement, Debt Consolidation
  • Debt Settlement: Credit Cards, Personal Loans, Medical Bills, Collections, Business Debts

3rd Place

#3 – American Debt Enders

American Debt Enders Visit Website

American Debt Enders Overview

American Debt Enders has been in business since 2006, helping thousands of consumers with debt consolidation, debt settlement, credit restoration and bankruptcy counseling. American Debt Enders is rated with NetCheck Commerce Bureau and is completely complaint-free. Debt consolidation services through American Debt Enders starts if you have greater than $5,000 worth of debt. Their non-profit credit card consolidation program typically helps those consolidate credit card debt into a single monthly payment at a reduced interest rate which is paid in full in less than 5 years. American Debt Enders has proved through their track record that they are a debt relief company that consumers can trust.


  • For those in debt greater than $5,000 looking for Debt Consolidation
  • Accredited with
  • Debt Consolidation, Debt Settlement, Credit Restoration, Credit Counseling, Bankruptcy

About Debt Relief Programs

There are many Americans who struggle with credit card debt. The aver-age American family has over 15,000 worth of unsecured debt. When you get too far behind on payments, debt begins to snowball and becomes harder and harder to dig yourself out. If you are struggling then taking advantage of a debt relief program might be the right step for you. A debt relief program from a reputable debt settlement company will work with you and your creditors to successfully lower your interest rates and consolidate your payments into a single manageable fee. Be sure to do your research and look for a debt settlement company’s Better Business Bureau rating or online consumers ratings with companies like When it comes to getting you the peace of mind that you crave, finding a reputable debt relief company can seriously change your life, and your financial health.

Credit Counseling

A good credit counseling company will provide you advice on how you should manage your debts and help you come up with a reasonable monthly budget. They typically will offer you free educational materials, and many will also perform free workshops in-person where you have a chance to talk to a certified professional in consumer credit. It is a good idea to discuss your complete situation so that the credit counseling pro-fessional has a 360 degree view of your finances, making it easier to pro-vide you with the best advice possible.

Debt Settlement Programs

A debt settlement program usually results with the debt relief company negotiating a lump sum payment to your creditors, which is often less than what you owe. When the lump sum is negotiated with your creditors, you will then pay the debt settlement company who, in turn, eliminate your lump sum payment. There are some risks with debt settlement and this includes having too high of a monthly payment to settle your debts. Make sure you look at your budget and see what you can afford to pay monthly to eliminate your debt. Keep in mind that your creditors are not obligated to agree to the debt settlement amount. They can continue to attach late fees and garnish your wages until the debt is paid off. Speaking to a professional about these possible risks should be done up-front before you sign up for a debt settlement program. When it comes to deciding whether or not a debt settlement program is right for you, it’s best to do some research to determine the pros and cons in proportion to your specific situation.

Choosing a Credit Counselor

If you’re living from paycheck to paycheck, and have developed a fear of debt collectors, then it’s time to find a reputable credit counselor to help you develop a workable budget so you can begin to save money for retirement. You’re going to find that the most reputable credit counselors out there are non-profit and will provide you with services at local offices, online, or over the phone.

You want to look for an organization that offers in-person counseling, ideally. There are also many universities, military bases, housing authorities, credit unions, and branches of the U.S. Cooperative Extension Service which operate non-profit credit counseling programs. Other great sources that can help you find a good counselor are financial institutions, local consumer protection agencies, and friends and family.

Just because these programs are non-profit does not mean that their services are entirely free, or even affordable. You will find that some credit counseling organizations charge a very high fee for their services.

Legitimate Credit Counseling Organizations

What all reputable credit counseling organizations will do is advise you on managing your money and debt, while also helping you to create a budget and arming you with free educational materials and workshops. Counselors should be certified and trained in consumer credit, budgeting, and money and debt management. Your counselor will discuss your entire financial situation with you, then help you to create a personalized plan that helps you to overcome your troubles with money. You can expect the initial counseling session to last for about an hour, and there will be follow-up sessions that will come in the future.

One good sign that a credit counseling agency is reputable is if it sends you free information about itself and its services without you needing to provide information about your circumstances. If a firm doesn’t do this then you can consider that to be a red flag.

Compile a list of counseling agencies that you’re interested in working with, then check each one out with your local consumer protection agency and state Attorney General. These agencies will be able to tell you if there have been any complaints filed about these businesses.

Questions to Ask

Here are some questions to ask when looking for the right counselor for you:

  • What services do they offer? You want to be sure to look for an organization that offers you a range of services, including savings and debt management classes and budget counseling. If a company claims that they only provide debt management plans (DMPs) before analyzing your financial situation, then you can consider this to be a red flag.
  • Do theyprovide information? Does the program provide you with educational materials for free? Avoid any organization that charges you for these materials.
  • In addition to helping you solve your immediate problem, will the organization help you to develop a sound plan to avoid these problems in the future?
  • What are the fees? Are there any monthly or set-up fees? It’s important to get a specific price quote in writing.
  • What happens if you can’t afford to pay your fees or make contributions on-time and in full? Look elsewhere for help if an organization won’t help you because you can’t afford to pay.
  • Will you have a formal written agreement or contract with the organization? Be sure to never sign anything without reading all the fine print. Verbal promises must be put into writing.
  • What are the qualifications of the counselors? Ask if the counselors are accredited or certified. If they are, then be sure to ask by whom. You want to try to use an organization whose counselors are trained by a non-affiliated party.