10 Best Debt Settlement Companies in 2018

Having a significant amount of debt can be very stressful, and prevent you from retiring early. You have mounting bills, and no end is in sight. Creditors are calling demanding money that you do not have. Therefore, you need to find some relief from your money problems. Many people today are turning to debt settlement companies to help with their financial problems. This article will provide you with information about debt settlement and the 10 best debt settlement companies available in 2018.

What is a Debt Settlement Company?

The best debt settlement companies will negotiate with your creditors to come up with a payment that you can afford. A creditor has agreed to accept less money that you owe them. The best debt relief companies reduce unsecured debt to help you get back on track. You will pay the settlement company each month, and they will pay your creditors. With the best debt settlement companies, you will be paying much less each month than you would have paying the minimum payment to your creditors. If you are behind on your bills, chances are that your credit score has declined. Eventually with debt settlement, you will see your score begin to rise.

Bonus read7 Ways to Avoid Personal Debt

Top 10 Debt Settlement Companies

1. National Debt Relief

National Debt Relief is considered one of the best debt settlement companies available. When you call and speak to a debt relief specialist, he will look at your debt and determine an option for you. You will pay them each month. The money you pay will go in a special account for you. When enough funds have been accumulated, the money will go to pay your creditors. To meet the requirements for this program, you must be able to make the minimum payments to the company each month. National Debt Relief is experienced in working with major credit card companies, unsecured loans, bank fees, judgments, and more. To qualify, you will be required to present a financial hardship. This will be presented to your creditors, so you could receive a better negotiation.

Read more: National Debt Relief Review

2. Freedom Debt Relief

With Freedom Debt Relief, you will receive a free debt evaluation, and a representative will walk you through some options for you with no obligation. You can settle your debt within a few years, and you will become debt free. This is one of the best debt relief companies because they will come up with an amount you can afford. They will look at your finances and determine a plan for you. You are not charged anything until you see results.

Learn more: Freedom Debt Relief Review

3. Oak View Law Group

Oak View Law Group is a trusted and reputable debt relief company. You will make a payment to get them ball rolling. They will then send you a Power of Attorney to start negotiating with your creditors. They will handle the calls and questions you are getting from creditors so you do not have to. Your credit will be hurt initially, but after a positive payment history, it will start to improve. You could save up to 60% on what you owe.

Bonus read: Oak View Law Group Review

4. Pacific Debt

With Pacific Debt you can avoid bankruptcy by settling your debt. There are no credit requirements to qualify, and they only settle unsecured debt. They will work with one account at a time until they are all resolved. A normal time frame for the program is between 24-48 months. A debt specialist with review your credit with a soft credit check to see how much you owe. To qualify, you must have at least $10,000 in unsecured debt. The company is not available in all states, so make sure you check to see if they work with clients in your state.

More info: Pacific Debt Review

5. CuraDebt

To qualify with CuraDebt, you must have at least $10,000 of qualifying debt. This company provides a protection program to protect your rights. You can get relief from both debt and taxes. After you complete the program, the company will provide a credit restoration service to help your credit score increase. It is not available in all states. On average, the fees for this program are 20% of your total debt.

6. Accredited Debt Relief

With Accredited Debt Relief, you can become debt free from 24-48 months. To meet the requirements for this program, you must have at least $15,000 in qualifying debt, so this is good for people who have large amounts of debt. There are no upfront or monthly fees, and you will be provided with a free quote. The company is understanding and will work with you to get back on track. You are in charge of your money; it will be in your name. Accredited Debt Relief will help stop the harassing calls from creditors. It is not available in all states.

7. Guardian Debt Relief

The Better Business Bureau gives Guardian Debt Relief an A+. You will pay a flat fee, so you will know how much you will pay each month. The customer service is excellent, and you will receive personalized service. You will be charged 20% of the debt you owe. You will have a representative who will make sure your debt is being resolved the best way possible. Unfortunately, this company is only available in 17 states.

8. Premier Debt Help

With this program you pay no fees until the company saves you money. Premier Debt Help offers assistance in all 50 states in the country. Attorneys will be available to help you as needed. You can call a representative who will review your finances and give you an estimate of what you will save. You will pay 20% of the amount you enroll in the program.

9. Superior Debt Relief Services

With this company, you can call and receive a free quote from a consultant. You can also fill out information online. Your financial situation will be assessed, and your consultant will let you know if you are a good candidate for debt relief. After he program accepts you, you will complete any documentation that is needed. An affordable payment will be determined that you will pay each month. They will then begin negotiating with your creditors to lessen your debt.

10. New Era Debt Solutions

Headquartered in California, this company has settled millions of dollars in debt. There are no up-front fees, and the company is transparent with their rates. You are in control of your money. Veterans and military personnel are offered special rates. You will be updated as a debt is paid. This is one of the best debt settlement companies available in 2018.


Debt should not control your life. By choosing one of these best debt settlement companies, you can take back control of your finances. You can start settling your debt in 2018 and save money to make your early retirement dream come true. You can then achieve a fresh start with your finances.

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