Start your path toward debt relief

Settle your debts for less than you owe

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June 16, 2026 7:16pm EDT

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Find a Debt Relief Company That Works for You

Debt can be frustrating, and if you’re struggling to keep up with it, you could face high interest charges, restrictions on new credit, and overall financial strain. If you are overwhelmed by debt, consider what a debt relief company can do for you.

Debt relief companies can help settle debt by negotiating on your behalf for a one-time payment of less than what you owe. The best debt relief companies are cost-effective and have a long track record of negotiations. Find out if debt relief is right for you.

best debt relief companies

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Credit card debt relief could be simpler than you think. With Freedom Debt Relief, you have the opportunity to put your credit card debt behind you without paying the full amount owed. Their debt experts negotiate with your creditors to get them to agree to settle for less than the full amount you owe. The average program payment is $438 a month*. Learn more and get a free evaluation.

Consolidate your debt and simplify your monthly payments: If your credit is good, a debt consolidation loan with a low APR can help you save money on interest and simplify your monthly payments. The best debt consolidation loans offer practical loan amounts, terms, and interest rates to fit a variety of borrowers.

Pay no interest with a 0% balance transfer card: If you’re struggling with credit card debt, you can transfer those debts to a 0% APR balance transfer card and pay them down with no new interest accumulating. The best balance transfer credit cards give you nearly two years of zero interest with no annual fees, so more of your money can go toward erasing your debt.

Take hold of your cash flow with a budgeting app: Establishing a budget is a critical step to avoiding debt traps and keeping your everyday expenses manageable. The best budgeting apps are inexpensive, easy-to-use tools designed to help you save.

Get expert help to find a way out of debt: There’s no shame in asking for professional help to get back on track. The best credit counseling services offer debt repayment plans with lower interest rates and late fee waivers, helping you pay off debt without damaging your credit.

Get your finances on schedule with a debt payoff planner: A debt payoff planner can help keep your debts organized and your payments on time. The best debt payoff planners are free or low-cost tools that can provide a clear roadmap to becoming debt-free.

Resolve back taxes and stop paying fees: Unpaid taxes can have severe financial consequences, but most traditional debt relief companies don’t handle tax debt. The best tax relief companies can help by representing you before the IRS and negotiating settlements, such as Offers in Compromise.

*This average is based on historical client data of an average enrolled balance of $25,320 resolved over an average period of 43 months.

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Start your path toward debt relief

Settle your debts for less than you owe

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