You can sign up for Pacific Debt Inc’s services online or call to get a free debt analysis.

Also, this company doesn’t operate in 21 states. It generally requires $10,000 in unsecured debt to qualify for Pacific Debt’s program. At the high end, you’d pay significantly more for this debt settlement service. It operates in 29 states and the District of Columbia.Īccording to disclosures on its site, the average customer can expect to pay a fee of 115% to 35% of the total debt enrolled, a wider range than other companies on our list. Like other companies on our list, Pacific Debt is accredited by the AFCC. Educational resources are available on the company’s website, but it doesn’t have features like live chat or a client dashboard. Pacific Debt says the total time to settle your debt may take anywhere from 24 to 48 months, although some programs take longer. It does well in the customer experience category, getting an A+ from the Better Business Bureau and a 4.8 out of 5 stars from Trustpilot. has been in business since 2002 and has settled more than $300 million in debt. National Debt Relief doesn’t operate in Oregon, Vermont or West Virginia. While the company states that the average fee for its users is 20%, fees can be as high as 25% of the settled debt amount.Īnyone interested in services from National Debt Relief can get a free quote online or call to get a free debt analysis. You must owe at least $7,500 in unsecured debt and be behind on your payments by several months to enroll in the program. To get help through National Debt Relief, you have to be in a financial crisis. As with all of the other debt settlement companies on our list, National Debt Relief is accredited by the American Fair Credit Council (AFCC). National Debt Relief’s debt settlement service is available to a large majority of the nation. The site also provides free calculators and resources about debt settlement, although there’s no live chat. This company’s website offers a client dashboard, allowing you to monitor your progress 24/7. The service takes an average 24 to 48 months to settle the debt. The cost ranges from 15% to 25% of the total enrolled debt, but National Debt Relief states the approximate fee for its users is 21%. National Debt Relief, unlike some of its competitors, is relatively transparent about its fees. In business for more than a decade, the company has settled more than $1 billion in unsecured debt. It gets an A+ from the Better Business Bureau and 4.7 out of 5 stars on Trustpilot. Customers of National Debt Relief-our top pick overall among debt settlement companies-seem very satisfied with its services.

Dom debt relief fees