Home Technology 06 Best Debt Management Companies To Resolve Your Debt

06 Best Debt Management Companies To Resolve Your Debt

06 Best Debt Management Companies To Resolve Your Debt


Debt can feel like a heavy burden that holds you back from achieving your financial goals. If you’re struggling with high-interest rates, falling behind on payments, or feel overwhelmed by debt, working with a reputable Debt Management can help provide debt relief.

We’ve researched and reviewed six of the top debt management providers to help you find the right fit. The companies on this list are all accredited and have a strong track record of assisting people in becoming debt-free. We provide an overview of each company’s services, fees, and what makes them stand out.

1. Second Start Financial (SSF)- The Best Overall

Second Start Financial Counseling (SSF) is my top recommendation for most people looking for debt relief. They are a nonprofit, HUD-approved debt management company that offers comprehensive services to help you resolve debt through education, budgeting, debt settlements, and more.


Debt management plans: SSF can negotiate with creditors on your behalf to help lower interest rates and monthly payments. All payments are consolidated into one monthly payment to SSF.

Credit counseling and financial education: Get guidance on making a budget, improving credit scores, and learning how to better manage finances.

Student loan and housing counseling: SSF assists with navigating student loan repayment options and aiding homeowners struggling to make mortgage payments.

What makes them stand out?

  • Nonprofit mission focused on client education and financial empowerment
  • Offer debt settlement and student loan counseling in addition to debt management plans
  • Complimentary initial consultation and access to online education resources
  • Services available in all 50 states

Overall, SSF provides comprehensive debt relief centered on financial education and counseling. Their nonprofit status means services aim to help clients rather than maximize profits. With quality services available nationally, Second Start Financial is our top pick.

2. Accredited Debt Relief

Accredited Debt Relief is one of the largest debt settlement companies and specializes in helping consumers reduce high-interest unsecured debt such as credit cards and medical bills. They negotiate lump sum settlements with creditors to reduce the amount owed.


  • Debt settlement for credit cards, personal loans, medical bills
  • Free consultation and debt analysis
  • Education on improving financial literacy and budgeting
  • Protection from collection calls and lawsuits

What makes them stand out?

  • Over $10 billion in customer debt successfully settled since 2011
  • Top-rated by independent debt relief review platforms
  • Attorneys and negotiators carry licenses in all 50 states
  • All fees are performance-based, so no upfront costs


Accredited charges an average performance-based fee of around 20% of the total amount of settled debt. Fees are only due once settlement with a creditor is complete.

With deep expertise in debt settlement and a strong success rate for enrollment clients, Accredited Debt Relief is a great option for reducing high-interest credit card or medical debt balances.

3. InCharge Debt Solutions

InCharge Debt Solutions is a nonprofit debt relief provider focused on credit counseling and debt management services aimed at helping people regain control of finances and repay debt faster.


  • Debt management plans
  • Pre-bankruptcy counseling and bankruptcy alternatives
  • Financial education resources and budgeting assistance
  • Student loan debt counseling
  • Free savings and debt analysis

What makes them stand out?

  • Nonprofit company able to offer very low fees to clients
  • Certified credit counselors must complete extensive training
  • Debt management plans available for both unsecured and secured debt
  • Services tailored specifically to military members

The nonprofit status and focus on financial education make InCharge a great option if you need budgeting guidance and help managing payments across multiple debts.

4. Pacific Debt Relief

Pacific Debt Relief provides customized debt settlement services to consumers struggling with high unsecured debt balances. Specializing in debt negotiation and settlement, their expert team works to reduce clients’ total owed debt and interest rates.


  • Debt settlement for credit cards, medical bills, unsecured loans
  • Free consultation, debt analysis, and program enrollment
  • Experienced debt settlement negotiators
  • Bankruptcy alternative

What makes them stand out?

  • Companies Act legal structure offers higher client trust and transparency
  • Client dashboard offers full transparency into settlement status
  • Average 40% reduction in total client debt
  • No upfront fees, only performance-based

With deep expertise in debt settlement solutions and a strong track record of results, Pacific Debt Relief is a great choice when looking to reduce high balances on unsecured debts.

5. CuraDebt

CuraDebt is a debt settlement company staffed by experienced attorneys, negotiators, and financial experts. They provide customized programs focused on settling unsecured debt for significantly less than is owed.


  • Debt settlement – negotiate and settle credit cards, medical bills, personal loans
  • Tax debt resolution – negotiation of IRS tax debt owed
  • Student loan assistance – evaluation of repayment and forgiveness options
  • Free debt and savings analysis

What makes them stand out?

  • Initial consultation with a certified credit counselor is always free
  • All programs are FDCPA and CFPB-compliant
  • Attorneys well-versed in debt laws negotiate the best settlements
  • No upfront fees, only collected after successful settlement

With an experienced legal and financial team combined with ethical services, CuraDebt is a smart choice for tax debt assistance and helps to settle unsecured loans.

6. Credit Counseling

Most credit counseling agencies are nonprofits that provide services to help you address budgeting issues or develop a plan to repay debt. Most offer free budget, savings, and debt analysis as well as financial literacy education.


  • Debt management program
  • Financial education resources
  • Housing counseling
  • Bankruptcy alternatives
  • Free analysis, and budgeting help

What Makes it Stand Out?

  • Nonprofit agencies motivated to find the best debt solution for your situation rather than maximize profits
  • Certified credit counselors must meet education requirements
  • Many agencies have extensive financial literacy materials and tools
  • Often the most budget-friendly option for debt relief


We hope this overview has provided some guidance on reputable debt management providers equipped to help resolve debt. Reach out for a free consultation with the top-recommended company, Second Start Financial Counseling, to discuss one’s specific situation and map out a personalized plan to become debt-free. Carefully evaluating credentials, services, and overall philosophy can lead one to find the best debt management solution.


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