Take Control of Your Debt Today—See Our Top-Rated Debt Relief Companies

Settle your debt for less than you owe

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May 19, 2026 4:30pm EDT

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Feeling Overwhelmed by Debt? You Don’t Have to Navigate It Alone.

Carrying an overwhelming mountain of high-interest debt can leave you feeling stuck, with constant bills and collection notices dominating your financial life. Beyond the stress, it can also hinder your ability to save for retirement or make a down payment on a house or a car. Debt relief companies can help you break the debt cycle by negotiating a lump-sum settlement for less than you owe. The best debt relief companies have a solid track record of successful settlement negotiations, with low debt requirements and reasonable fees.

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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.

Save money and simplify payments with a debt consolidation loan: 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 loan amounts, terms, and interest rates to fit a variety of borrowers.

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.

Find and fix negative errors on your credit reports: Bad credit can hurt your chances of getting a competitive mortgage, auto loan, or credit card. If your credit score is low because of inaccurate, outdated, or fraudulent negative marks, the best credit repair companies can help you dispute errors and bring your score back to the green.

Pay no interest with a 0% balance transfer card: If you’re struggling with credit card debt at a high interest rate, 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 control of your finances with a debt payoff planner: Whether you work with a debt relief company or not, 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.

Master 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.

Resolve back taxes and stop paying fees: Unpaid taxes can have severe financial consequences, but typical debt relief companies don’t always handle tax debt. The best tax relief companies can help by representing you before the IRS and negotiating settlements, like an Offer 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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Take Control of Your Debt Today—See Our Top-Rated Debt Relief Companies

Settle your debt for less than you owe

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