The 7 Best Debt Relief Companies

1. Delancey Street

4.9

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Headquartered at 54 W 40th Street in Midtown Manhattan, Delancey Street Group LLC has carved out a dominant niche in commercial debt restructuring and settlement for small and mid-sized businesses. Unlike most consumer-focused debt relief firms, Delancey Street specializes in merchant cash advance (MCA) defense, business loan restructuring, and tax debt resolution—areas where their New York-based legal team leverages deep knowledge of NY commercial law and UCC filings. They operate on a strict performance-fee model with no upfront costs, and their attorneys have negotiated millions in debt reductions. Their free initial consultation includes a detailed financial assessment that maps out a customized settlement roadmap before any commitment is required.

2. CuraDebt

4.8

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Founded in 2000 by UCSD graduate Eric Pemper and originally incorporated as Pemper Companies Inc. in San Diego, CuraDebt has grown into one of the most versatile debt relief firms in the country with over 24 years of continuous operations. Now headquartered in Hollywood, Florida, the company uniquely offers both consumer debt settlement and IRS tax debt resolution under one roof—a combination few competitors match. Their tax debt team includes enrolled agents who can negotiate Offers in Compromise, installment agreements, and penalty abatements directly with the IRS. CuraDebt's lower $5,000 minimum makes them accessible to consumers who don't qualify elsewhere, and their bilingual (English/Spanish) counselors serve a diverse client base across most U.S. states.

3. Accredited Debt Relief

4.7

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Founded in 2011 and headquartered in San Diego, California (with a second office in Houston, Texas), Accredited Debt Relief has earned an A+ BBB rating and BBB accreditation since February 2021. What sets them apart is their aggressive negotiation approach that frequently resolves individual accounts within 6-12 months—faster than the industry average of 24-48 months. They operate through a network of affiliates that extends their reach to most U.S. states, and their dedicated account managers provide regular progress updates via phone and a proprietary online dashboard. The company has consistently earned 4.5+ star ratings on Trustpilot from thousands of verified reviews, with clients citing transparency and communication as top strengths.

4. New Era Debt Solutions

4.6

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Founded in 1999 and headquartered in Baltimore, Maryland, New Era Debt Solutions is one of the longest-running debt settlement companies in the United States with over 25 years of continuous operations. They have settled more than $275 million in consumer debt since inception and maintain an A+ BBB rating with accreditation. New Era distinguishes itself through complete transparency: they publish their average settlement percentages (approximately 50% of enrolled debt), and their fees range from 15-23%—among the most competitive in the industry. They operate in most U.S. states and offer both consumer and some business debt settlement. Their experienced negotiators have established relationships with major creditors, which often translates to faster and more favorable settlement outcomes.

5. Pacific Debt Inc

4.5

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Headquartered in San Marcos, California, Pacific Debt Inc has been helping consumers resolve unsecured debt since 2002, earning an A+ BBB rating and IAPDA membership along the way. They've settled over $300 million in consumer debt and consistently earn some of the highest customer satisfaction scores in the industry, with a 4.9-star rating on Google from thousands of reviews. Their approach emphasizes client education—each customer receives a dedicated Certified Debt Specialist who provides monthly progress calls and detailed reporting. Pacific Debt is also one of the few settlement firms that offers complimentary credit monitoring throughout your program, so you can track your credit recovery in real time as debts are resolved.

6. Century Support Services

4.4

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Based in Feasterville-Trevose, Pennsylvania, Century Support Services has been providing debt settlement services since 2011 and currently manages over $1 billion in enrolled debt. They are accredited by the IAPDA (International Association of Professional Debt Arbitrators) and operate an FTC-compliant program across more than 30 states. Century stands out for their flexible program design—they offer customizable monthly deposit schedules that adapt to clients' changing financial situations, including options for seasonal workers or those with irregular income. Their proprietary mobile app provides real-time account tracking, settlement notifications, and document uploads. They also have a notably low $7,500 minimum enrollment threshold, making them more accessible than many larger competitors.

7. Rescue One Financial

4.3

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Based in Irvine, California, Rescue One Financial was founded in 2010 and has grown to become one of the most cost-effective debt settlement options available. Their settlement fees of 15-21% are among the lowest in the industry, and they have no enrollment fees, monthly maintenance fees, or hidden charges. Rescue One is a member of the IAPDA and maintains an A+ BBB rating. They've settled over $1 billion in consumer debt and employ a team of experienced negotiators who specialize in credit card debt, medical bills, and personal loans. Their straightforward fee structure makes them particularly attractive for consumers who want predictable costs without surprises. Rescue One also provides hardship accommodations for clients who experience financial setbacks during their program.