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Americor: Good Option For Debt Settlement? (2026 Review)

by | Jul 29, 2026 | Debt Relief

Americor Logo

Quick Answer: Is Americor Legit?

Yes. Americor is a legitimate, BBB-accredited (A+) debt relief company founded in 2008 in Irvine, California, with a 4.69/5 average rating across 24,900+ third-party reviews. It offers debt settlement plus in-house consolidation loans through its lending affiliate Credit9. The main caution: some customers report confusion between the settlement program and the loan offers, and loan APRs can reach 29.99% for weaker credit. It’s a solid fit if you qualify for a low-rate loan, less ideal if you only want debt reduction.

Before you call Americor: two minutes with our free quiz shows whether settlement, consolidation, credit counseling or bankruptcy actually fits your numbers, and which of our vetted partners handle your situation best.

Take the Free Debt Relief Quiz  See Our Top-Ranked Companies

Americor (www.americor.com) is a U.S.-based debt relief company that offers debt settlement, credit counseling, and, unlike many competitors, their own in-house debt consolidation loans through their lending affiliate Credit9. Based in Irvine, California, they promote themselves as a one-stop solution for people struggling with high-interest unsecured debts like credit cards and personal loans. While Americor is one of the few debt relief companies that also lends money, this model may not be the best fit for everyone, especially if you’re already behind on payments or have a low credit score.

Not sure if Americor is the right fit for you?

Every debt situation is different. Take our quick 60-second quiz to find out whether settlement, consolidation, or credit counseling actually fits your numbers — no guessing, no sales pitch.

Take the Free Debt Relief Quiz →

Company Snapshot

Official Name Americor Funding, LLC
Official Website www.americor.com
Phone (866) 333-8686
Headquarters 18200 Von Karman Ave, Irvine, CA 92612
Lending Affiliate Credit9 (debt consolidation loans)
Service Available In All U.S. states except Colorado
Founded 2008

What it costs and who qualifies:

  • Settlement fee: 14–29% of enrolled debt, charged only after a settlement is negotiated and you approve it
  • Minimum debt: $7,500 in unsecured debt
  • Program length: 24–48 months, with the first settlement typically reached within 3–6 months
  • Consolidation loans: up to $45,000 through partner lender Credit9 (APRs to 29.99%)

Is Americor Legitimate? Ratings & Reviews

Americor is a legitimate, licensed debt relief provider and direct lender. They are accredited by the American Association for Debt Resolution (AADR, formerly the AFCC) and certified by the International Association of Professional Debt Arbitrators (IAPDA). They’ve helped hundreds of thousands of clients resolve debt, but mixed reviews highlight concerns about customer service and confusion around their loan offers.

Platform Rating Review Count
BBB (A+ Accredited) 4.72/5 4,800+
Google Reviews 4.6/5 3,200+
TrustPilot 4.7/5 16,900+
Combined 4.69/5 24,900+

Certifications: AADR (formerly AFCC), IAPDA

Americor has plenty of 5-star reviews, especially for fast approvals and early program success. Worth knowing, though: a large share of those 5-star ratings come from people who just finished their first phone call, not people who completed the program. Reviews from graduates are more mixed, so read beyond the star average before you enroll. To see how these numbers stack up against 21 other providers, check our full ranking of the best debt settlement companies, ordered by volume-weighted third-party ratings.

Services Offered by Americor

💬 Debt Settlement

They negotiate with your creditors to reduce what you owe. No fees until a settlement is reached and approved by you.

🏦 Debt Consolidation Loans

Through their lending affiliate Credit9, Americor offers in-house loans for qualified borrowers to consolidate high-interest debts.

📊 Credit Counseling

Their team may recommend educational or budgeting tools to support your financial goals.

🔀 Hybrid Debt Relief Programs

A combination of settlement and consolidation options depending on your financial profile.

Pros 👍:

  • They’re a Lender: Unlike most debt relief companies, Americor can issue debt consolidation loans directly through Credit9, no third-party lenders involved.
  • Quick Pre-Approval: You may receive a quote for a consolidation loan in minutes online.
  • Comprehensive Approach: They offer both settlement and lending under one roof.
  • No Upfront Fees for Settlement: They follow FTC rules and charge settlement fees only after results.

Cons 👎:

  • High Loan APRs: If you qualify for a loan with poor credit, interest rates may be as high as 29.99%.
  • Not Available in All States: Some consumers are not eligible depending on where they live.
  • Mixed Customer Experience: Some clients report confusion between settlement programs and loans, leading to unmet expectations.
  • May Encourage Borrowing: Debt consolidation loans aren’t always a smart move, especially if your financial situation is unstable.

⚠️ Watch Out: Settlement Program vs. Loan Confusion

The most common complaint pattern we found: people believe they’re signing up for a consolidation loan and end up enrolled in a settlement program (or vice versa). These are very different products with very different credit consequences. In 2022, Americor and Credit9 paid a $200,000 settlement to the Colorado Attorney General over cross-lending practices. Before signing anything, get the exact product name, fee structure, and credit impact in writing. If you’re unsure which product you actually need, our debt relief guide explains the difference in plain English.

Debt Types They Can Help With

According to Americor, they help with the following types of debt:

  1. Credit Card Debt
  2. Medical Bills
  3. Personal Loans
  4. Collections & Charge-Offs
  5. Certain Payday Loans

They do not work with secured debts (auto loans, mortgages), tax debts, or federal student loans. If your main problem is IRS or state tax debt, a specialist like Tax Relief Advocates or CuraDebt is a better-suited category of provider.

How Americor Compares to Other Debt Relief Companies

Americor’s 4.69/5 volume-weighted average puts them in solid company, but they’re not alone in this space. TurboDebt (4.87/5) and Accredited Debt Relief (4.81/5) both score higher across a similar review volume. National Debt Relief (4.69/5) lands at essentially the same rating with more than double the review count. On the settlement-only side, New Era Debt Solutions and Pacific Debt Relief take a different approach: no lending arm at all, which removes the loan-confusion issue entirely.

Where Americor genuinely stands apart is the in-house lending through Credit9. Beyond Finance and Freedom Debt Relief can route you to loans through partners, but Americor is one of the very few that actually issues them. Whether that’s a feature or a bug depends entirely on your situation.

Settlement or a loan? The right answer depends on your numbers.

Answer a few quick questions about your debt, income, and credit, and we’ll point you toward the option that actually makes sense for your situation.

Find Your Best Debt Relief Option →

🔑 Key Takeaways

  • Americor is legitimate: BBB A+ accredited, AADR and IAPDA certified, founded 2008, 4.69/5 across 24,900+ reviews.
  • They’re one of the only debt relief companies that also issues consolidation loans directly (through Credit9).
  • No upfront fees for settlement, per FTC rules — but loan APRs can reach 29.99% for weaker credit.
  • Biggest risk: confusing the settlement program with the loan product. Get everything in writing.
  • Best fit: decent credit + wanting a loan. Poor credit + wanting debt reduction only? Compare settlement-focused alternatives first.

Final Thoughts

Americor is a solid option if you qualify for a low-interest debt consolidation loan and want the convenience of working with a lender that also offers settlement. But if your credit score is low and you’re primarily seeking debt reduction, not new financing, a loan-first company may not be the right starting point. If you’re weighing more serious options, our comparison of bankruptcy vs. debt relief covers when each path makes sense, and if your balances are still manageable, this first-person guide on how to reduce debt in 2026 may save you from needing a program at all. Before committing to anything, take a few minutes to figure out which type of debt relief actually fits your situation — the answer isn’t the same for everyone.

👉 Take the Free Debt Relief Quiz 👉 Read Our Complete Debt Relief Guide

Frequently Asked Questions About Americor

Is Americor a legitimate debt relief company?
Yes. Americor is a legitimate debt relief provider and a licensed lender. They’re accredited by the American Association for Debt Resolution (AADR, formerly the AFCC) and certified by the IAPDA (International Association of Professional Debt Arbitrators). That said, legitimacy and fit are two different things — it’s still important to compare your options before enrolling. Our free debt relief quiz can help you figure out whether settlement, consolidation, or counseling makes the most sense for you.
How does Americor’s program work?
Americor offers two types of services: debt settlement, where they negotiate with creditors to reduce what you owe, and debt consolidation loans through Credit9, which combine multiple debts into one monthly payment, with interest. Depending on your situation, they may offer both. Some customers prefer the convenience of an in-house loan, while others want to avoid taking on more debt and choose a settlement plan.
Does Americor charge upfront fees?
No. If you enroll in their debt settlement program, they only charge fees after a settlement is reached. This is required by the FTC. However, if you take a consolidation loan, interest will apply from day one, just like any personal loan.
Will Americor hurt my credit score?
It depends. Their debt settlement programs can initially hurt your credit score, especially if you stop making payments during negotiation. If you take out a consolidation loan and keep up with payments, it may actually improve your score over time. However, if you’re primarily looking to get out of debt, not take on new loans, Americor’s loan-first approach may not be ideal.
What kind of interest rates does Americor charge on loans?
Interest rates vary based on your credit score and debt-to-income ratio. Some clients report rates as low as 14.99%, while others get approved at nearly 30% APR. Be sure to read the fine print before accepting a loan offer.
What types of debt does Americor help with?
Americor focuses on unsecured debts such as credit cards, medical bills, personal loans, collections, and certain payday loans. They do not help with secured debt (like mortgages or car loans), student loans, or IRS tax debt.
Can I apply for a debt consolidation loan online with Americor?
Yes. Americor allows you to check your eligibility online in just a few minutes. However, just because you’re approved doesn’t mean it’s the best choice. A new loan only helps if the math works — if you’re not sure it does, our debt relief quiz can help you compare consolidation against settlement and counseling based on your actual situation. If your case is complex enough to involve legal questions, our guide to debt consolidation lawyers and attorneys is also worth a look.
Is Americor better than National Debt Relief or TurboDebt?
It depends on your goals. If you want a loan and your credit is decent, Americor is one of the few debt relief companies that lends directly. If you’re seeking traditional settlement with no new credit lines, a settlement-focused company may be a better fit — see our full reviews of National Debt Relief and TurboDebt for a direct comparison. The honest answer is that “best” varies by person — take our free quiz to see which type of program matches your debt load, income, and credit.
How long does Americor’s program take?
Most Americor settlement plans take between 24 to 48 months. Debt consolidation loans may last anywhere from 2 to 5 years, depending on your repayment terms.
What’s the main downside of Americor?
The biggest drawback is the potential confusion between settlement and loan offers. Some users enroll expecting help reducing debt, only to be pitched high-interest loans. If your credit is already suffering, you may not even qualify for their loan, and settlement could still impact your credit further. If you’re uncomfortable taking on more debt, focus your search on companies that only do debt reduction — and if you’re not sure which route to take, start with our debt relief quiz.
Is Americor available in my state?
Americor operates in most U.S. states, but exclusions vary by product (settlement vs. loans) and change over time, so confirm eligibility directly during your consultation. Debt relief rules also differ by state — things like statutes of limitations and wage garnishment protections. For state-specific guidance, start with our state hubs, such as California debt relief programs (Americor’s home state) or Texas debt relief options.
How much does Americor charge?
Settlement fees run 14% to 29% of your enrolled debt depending on your state and situation, and Americor only collects after a settlement is negotiated and approved by you. You need at least $7,500 in unsecured debt to enroll, and programs typically run 24 to 48 months.

24 Best Debt Relief Companies of 2026 (Ranked by Reviews)

by | Jul 29, 2026 | Debt Relief

✅ Reviewed by: Lauren Brown, CFA.

People often ask us which debt relief company to choose. We couldn’t find a single list of debt settlement and debt relief companies ranked by their actual third-party reviews — BBB, Google, and Trustpilot — so we built one. If you’re looking for a top-rated provider, this should help you compare prices & services:

Advertising disclosure: We are reader-supported, and some companies listed here are paid partners. We may earn a commission if you use them, at no extra cost to you. The numbered list below is ordered by third-party ratings (BBB, Google, Trustpilot); our partnerships don’t change those scores. We may also receive a fee if you request a bankruptcy attorney consultation through the link on this page.

Jump to: Top picks · Full rankings (24 companies) · FAQ

Not sure which option actually fits you?

Debt relief isn’t one-size-fits-all. Settlement can cut what you owe, but it can also hurt your credit, trigger lawsuits, add fees (often 15–25%), and create a tax bill on forgiven debt — and many people don’t finish a full program. Consolidation, nonprofit counseling, or even bankruptcy may be the better path for you. Our quick quiz points you in the right direction before you talk to anyone.

Take the 60-second debt relief quiz →

Top picks based on your situation
Protip: take some time to compare a few before making a decision.
Best For Debt Settlement ✓Beyond Finance (sponsored)
Best For Debt Consolidation ✓Accredited Debt Relief (sponsored)
Best For Tax/IRS Debt ✓CuraDebt (sponsored)
Best For Business Debt ✓CuraDebt (sponsored)
Best For Bankruptcy ✓Bankruptcy Attorneys (free evaluation, sponsored)
Best Counseling & DMP ✓NFCC

Accredited Debt Relief, Beyond Finance, CuraDebt and many others on this page are affiliate partners — we may earn a commission if you use them, at no extra cost to you, and it doesn’t affect our ratings. NFCC is a nonprofit partnership; we earn nothing from NFCC referrals.

Preferred starting point

Not sure where to start? Begin with a nonprofit

For a lot of people the smartest first move isn’t a for-profit settlement company at all — it’s a free consultation with a nonprofit credit-counseling network. We’d start with the NFCC (National Foundation for Credit Counseling), the oldest and largest nonprofit counseling network in the U.S. It costs nothing to talk to, and it routes you to a vetted 501(c)(3) member agency — for example ACCC, our #1-rated company below — that handles the actual counseling or debt-management plan.
Find a nonprofit counselor (NFCC) →

Every Company, Ranked & Tagged by Type

This list ranks all 24 companies by a volume-weighted average of their third-party ratings (BBB, Google, and Trustpilot) — each platform’s score counts in proportion to how many reviews it’s based on, so a company isn’t lifted or sunk by a handful of reviews on a single site. Each entry is tagged by type so you can see at a glance what it offers — they are not interchangeable:

Debt Settlement Negotiates to settle debts for less than you owe. Can reduce balances, but hurts credit and carries fees and lawsuit risk.

Consolidation Rolls multiple debts into one loan or payment. Works best with reasonable credit and steady income.

Counseling / DMP · Nonprofit Nonprofit guidance and a structured repayment plan (DMP) at lower interest — you repay the full balance.

Tax / IRS Relief Specializes in back taxes, liens, garnishments, and IRS or state payment plans.

1) ACCC (4.99/5)

Counseling / DMP · Nonprofit

ACCC Overview & Reviews:

The ACCC is technically NOT a debt settlement company. They are a credit counseling agency that focuses on providing DMPs (aka Debt Management Plans) to help you better manage and repay your debt. The disadvantage is that DMPs don’t decrease your debt.

  • BBB: A+ (4.98/5 – ~1,054 reviews)
  • Google: 5/5 (~3,800 reviews)
  • TrustPilot: N/A (no active profile)
  • Certifications: NFCC, COA
  • Combined Reviews: ~4,850
  • Average Rating: 4.99/5

2) New Era Debt Solutions (4.9/5)

Debt Settlement

New Era Debt Logo

Logo of New Era Debt Solutions (credit: neweradebtsolutions.com)

  • URL: www.neweradebtsolutions.com
  • Minimum Debt: $10,000
  • Fees: 14–25% of enrolled debt; nothing upfront (charged only after a debt is settled)

New Era Debt Solutions Overview & Reviews:

Headquartered in Camarillo, California, New Era Debt Solutions is one of the longest-running settlement-only firms (founded 1999). It focuses on credit card debt relief and employs debt-relief specialists, financial professionals, attorneys and support staff, negotiating unsecured debts on your behalf and charging no upfront fees — you pay only after a debt is settled. It has resolved $275M+ in debt and posts unusually strong, consistent reviews, though on a smaller review base than the national giants below.

  • BBB: A+ (4.95/5 – 59 reviews)
  • Google: 4.9/5 (207 reviews)
  • TrustPilot: 4.8/5 (398 reviews)
  • Certifications: IAPDA
  • Combined Reviews: 664
  • Average Rating: 4.9/5

3) TurboDebt (4.87/5)

Debt Settlement

TurboDebt Overview & Reviews:

TurboDebt is one of the most highly-rated debt settlement companies (as you can see below) that we have had a chance to review, combining tens of thousands of positive reviews. They can help you decrease and pay off several types of debt, including credit card, tax, personal loans, student loans, medical bills and more. Learn more by reading our TurboDebt review.

  • BBB: A+ (4.87/5 – ~1,300 reviews)
  • Google: 4.8/5 (~7,802 reviews)
  • TrustPilot: 4.9/5 (~14,671 reviews)
  • Combined Reviews: ~23,800
  • Average Rating: 4.87/5

4) CreditAssociates (4.83/5)

Debt Settlement

CreditAssociates Overview & Reviews:

CreditAssociates is a Dallas-based debt settlement company that has some great reviews on TrustPilot, but not as good on the BBB. They have a similar setup as most other debt settlement providers on this page, charging 25% of your debt and no upfront fees for consultation.

  • BBB: A+ (4.23/5 – ~330 reviews)
  • Google: 4.3/5 (~2,510 reviews)
  • TrustPilot: 4.9/5 (~21,764 reviews)
  • Combined Reviews: ~24,600
  • Average Rating: 4.83/5

5) Accredited Debt Relief (4.81/5)

Debt SettlementConsolidation

Accredited Debt Relief logo

Accredited Debt Relief Overview & Reviews:

Accredited Debt Relief is a highly-rated debt settlement and consolidation company that heavily advertises the ability to help customers be debt-free in 24-48 months. A brand of Beyond Finance, Accredited reports 1.3 million+ clients helped and over $15 billion in debt resolved, which it cites as the largest in the U.S. by clients served. Like its sister brand Beyond Finance (#17 below), Accredited also gives enrolled clients a financial wellness program — including free group financial-therapy sessions led by Certified Financial Therapists Dr. Erika Rasure and Nathan Astle — which is unusual in this industry. Unlike other agencies reviewed previously, Accredited Debt Relief does offer debt consolidation loans through their partners, and the APRs can be quite high, up to 35.99% for those with less desirable credit scores.

  • BBB: A+ (4.89/5 – ~3,000 reviews)
  • Google: 4.8/5 (~7,148 reviews)
  • TrustPilot: 4.8/5 (~10,922 reviews)
  • Combined Reviews: ~21,100
  • Average Rating: 4.81/5

6) Consolidated Credit Counseling Services (4.8/5)

Counseling / DMP · Nonprofit

Consolidated Credit Overview & Reviews:

Consolidated Credit has a flat monthly fee for its debt relief program. They charge a one-time setup fee ranging from $50 to $75, and their monthly service fee is about $30. They don’t advertise any minimum debt.

  • BBB: A+ grade (customer-review star excluded – small sample)
  • Google: 4.8/5 (~1,808 reviews)
  • TrustPilot: 4.8/5 (~9,155 reviews)
  • Combined Reviews: ~10,963
  • Average Rating: 4.8/5

7) GreenPath Financial Wellness (4.79/5)

Counseling / DMP · Nonprofit

GreenPath Financial Wellness Overview & Reviews:

GFW works nationwide and can help settle your debt with multiple creditors, including banks, credit unions, retailers, medical providers, auto finance agencies, and collection agencies.

  • BBB: A+ (4.8/5 – 345 reviews)
  • Google: N/A
  • TrustPilot: 3.5/5 (2 reviews)
  • Certifications: NFCC
  • Combined Reviews: 347
  • Average Rating: 4.79/5

8) Pacific Debt Relief (4.79/5)

Debt Settlement

Pacific Debt Relief Overview & Reviews:

Pacific Debt Relief is a debt settlement company with the ability to handle many types of debt, including medical bills, overdue utility payments, credit cards, personal loans, tax debt, payday loans, bankruptcy, and certain contracts, like gym memberships. They also offer financial education.

  • BBB: A+ (4.93/5 – 1,930 reviews)
  • Google: 4.6/5 (259 reviews)
  • TrustPilot: 4.7/5 (~2,400 reviews)
  • Certifications: CDRI, IAPDA
  • Combined Reviews: 4,589
  • Average Rating: 4.74/5

9) DebtHelper (4.79/5)

Counseling / DMP · Nonprofit

DebtHelper Overview & Reviews:

DebtHelper is yet another Florida-based debt counseling agency. Based on our review of their website, they don’t seem to offer debt settlement or consolidation programs. Instead, they focus on counseling, DMP’s and financial education. They put a special emphasis on credit cards, housing and student debts.

  • BBB: A+ (4.95/5 – 697 reviews)
  • Google: 4.1/5 (168 reviews)
  • TrustPilot: 4.8/5 (58 reviews)
  • Certifications: NFCC, FCAA
  • Combined Reviews: 923
  • Average Rating: 4.79/5

10) Money Management International (4.76/5)

Counseling / DMP · Nonprofit

Money Management International logo

MMI Overview & Reviews:

Money Management International is one of the fastest-growing debt relief companies, and have acquired many other smaller debt relief providers, such as Debt Advisors of America. They provide debt management plans at a unique monthly fee structure that is different from most of the other companies we reviewed.

  • BBB: A+ (4.89/5 – 339 reviews)
  • Google: 4.9/5 (502 reviews)
  • TrustPilot: 4.7/5 (1,828 reviews)
  • Certifications: FCAA, NFCC.
  • Combined Reviews: 2,669
  • Average Rating: 4.76/5

11) Century Support Services (4.74/5)

Debt Settlement

Century Support Services Logo

Century Support Services Overview & Reviews:

This company was founded in 2008 and has been operating for over 15 years. They serve clients nationwide, although they exclude some states. Just like others reviewed in this list, they offer debt settlement, debt resolution, debt management plans and more.

  • BBB: A+ (3.65/5 – 97 reviews)
  • Google: 4.7/5 (898 reviews)
  • TrustPilot: 4.8/5 (2,591 reviews)
  • Certifications: AADR, IAPDA
  • Combined Reviews: 3,586
  • Average Rating: 4.74/5

12) CuraDebt (4.73/5)

Debt Settlement

CuraDebt Overview & Reviews:

Founded in 1996, CuraDebt (which we previously reviewed here) is probably the oldest debt settlement company reviewed in this list. What makes them stand out, aside from their longevity, is their low minimum. They are the only company that advertises low minimums of $5,000 and they will sometimes take clients with debt lower than that.

  • BBB: (4.7/5 – 23 reviews)
  • Google: 4.8/5 (271 reviews)
  • TrustPilot: 3.3/5 (12 reviews)
  • Certifications: IAPDA, AADR
  • Combined Reviews: 306
  • Average Rating: 4.73/5

13) DMB Financial (4.73/5)

Debt Settlement

DMB Financial Overview & Reviews:

DMB Financial is a Massachusetts-based debt settlement company. DMB Financial advertises the ability to help you consolidate all of your high-interest credit card balances into one lower, flat monthly program payment, which is similar to what most of the other companies on this page do.

  • BBB: (4.86/5 – 226 reviews)
  • Google: 4.7/5 (933 reviews)
  • TrustPilot: N/A
  • Certifications: IAPDA
  • Combined Reviews: 1,159
  • Average Rating: 4.73/5

14) National Debt Relief (4.69/5)

Debt SettlementConsolidation

National Debt Relief Overview & Reviews:

National Debt Relief is similar to Turbo Debt. However, they do also offer loans, which isn’t necessarily a good thing if you’re in a tough financial situation, as you won’t qualify for a good rate. They also offer debt settlement, debt consolidation, credit counseling and more. Learn more by reading our National Debt Relief review.

  • BBB: A+ (4.75/5 – 4,548 reviews)
  • Google: 4.6/5 (9,112 reviews)
  • TrustPilot: 4.7/5 (~44,424 reviews)
  • Certifications: AADR, IAPDA
  • Combined Reviews: 58,084
  • Average Rating: 4.69/5

15) Americor (4.69/5)

Overall rating: 4.69 / 5 (24,900+ combined reviews) • Debt Settlement + Consolidation Loans (via Credit9)

Americor is one of the largest debt relief companies in the country, in business since 2008, pairing debt settlement with consolidation loan options through its Credit9 lending affiliate. It charges no upfront fees on settlement, and its review volume is among the biggest in the industry.

  • BBB: 4.72/5 (4,800+ reviews)
  • Trustpilot: 4.7/5 (16,900+ reviews)
  • Google: 4.6/5 (3,200+ reviews)
  • Fees: No upfront fees; settlement fees charged only after a debt settles
  • Availability: Most U.S. states (exclusions vary, check eligibility)

Read our full Americor review   Check If You Qualify →

16) ClearOne Advantage (4.68/5)

Debt Settlement

ClearOne Advantage logo

ClearOne Overview & Reviews:

ClearOne Advantage is another popular and well-reviewed debt settlement company that offers free initial consultations to help you determine the best plan of attack to tackle your debt.

  • BBB: A+ (4.0/5 – 544 reviews)
  • Google: 4.4/5 (3,182 reviews)
  • TrustPilot: 4.8/5 (~10,682 reviews)
  • Certifications: IAPDA
  • Combined Reviews: 14,408
  • Average Rating: 4.68/5

17) InCharge Debt Solutions (4.66/5)

Counseling / DMP · Nonprofit

InCharge Overview & Reviews:

Incharge is a Florida-based debt management company that offers credit counseling, debt consolidation and more. Unlike many companies reviewed on this page which require a minimum 10k debt to work with you, InCharge advertises a “no minimums”.

  • BBB: A+ (3.36/5 – 14 reviews)
  • Google: 4.0/5 (107 reviews)
  • TrustPilot: 4.7/5 (2,206 reviews)
  • Certifications: NFCC, FCAA, COA
  • Combined Reviews: 2,327
  • Average Rating: 4.66/5

18) Beyond Finance (4.64/5)

Debt SettlementConsolidation

Beyond Finance logo

Beyond Finance Overview & Reviews:

Beyond Finance is a large debt settlement provider founded in 2011 and based in Chicago, IL. It markets under “debt consolidation,” but its core program is settlement, and it can evaluate you for a consolidation loan through partners (APRs can run high for weaker credit). It’s best known for a strong mobile app, responsive support, and an integrated financial wellness program — free group financial-therapy sessions led by Certified Financial Therapists Dr. Erika Rasure and Nathan Astle, plus budgeting tools. Worth knowing for transparency: Accredited Debt Relief (#5 above) is a brand of Beyond Finance, so the two are the same company and run the same wellness program — they’re not two independent options.

  • BBB: A+ (4.74/5 – ~9,904 reviews)
  • Google: excluded (Beyond has separate listings for its Chicago, Houston, and San Diego offices, so there’s no single verifiable rating)
  • TrustPilot: 4.6/5 (~20,910 reviews)
  • Certifications: ACDR, IAPDA
  • Combined Reviews: ~30,800
  • Average Rating: 4.64/5

19) Freedom Debt Relief (4.6/5)

Debt Settlement

Freedom Debt Relief Overview & Reviews:

Freedom Debt Relief is a highly-rated debt counselling agency with a particular focus on credit card debt. They offer debt settlement, debt management plans and credit counseling.

  • BBB: A+ (4.47/5 – 1,917 reviews)
  • Google: 4.7/5 (509 reviews)
  • TrustPilot: 4.6/5 (~48,900 reviews)
  • Certifications: AADR, IAPDA
  • Combined Reviews: 51,326
  • Average Rating: 4.6/5

20) Tax Relief Advocates (4.54/5)

Tax / IRS Relief

  • URL: tra.com
  • Minimum Tax Debt: Not disclosed
  • Fees: Not disclosed publicly (varies by case)

Tax Relief Advocates Overview & Reviews:

Irvine, California–based Tax Relief Advocates focuses on tax resolution for consumers and small businesses, handling cases like back taxes, wage garnishments, liens, audits, and payment plans. Their process reviews your situation and then pursues options with the IRS or state authorities.

  • BBB: A+ (4.28/5 – 1,377 reviews)
  • Google: 4.7/5 (~2,666 reviews)
  • TrustPilot: 1.9/5 (23 reviews)
  • Awards: BBB Accredited; BBB Torch Award for Ethics
  • Combined Reviews: 4,066
  • Average Rating: 4.54/5

21) Navicore Solutions (4.36/5)

Counseling / DMP · Nonprofit

Navicore Overview & Reviews:

Founded in New Jersey, Navicore is a nonprofit that assists clients in terms of debt management plans, credit counseling, housing counseling and more. Similar to the ACCC, Navicore focuses strictly on providing advice and guidance. They don’t offer debt settlement, consolidation or any other debt relief program.

  • BBB: (4.86/5 – 28 reviews)
  • Google: 4.2/5 (140 reviews)
  • TrustPilot: 4.4/5 (216 reviews)
  • Certifications: FCAA, NFCC, COA
  • Combined Reviews: 384
  • Average Rating: 4.36/5

22) Optima Tax Relief (4.27/5)

Tax / IRS Relief

  • URL: www.optimataxrelief.com
  • Minimum Tax Debt: $10,000
  • Fees: Investigation phase from ~$495; average total case around $4,000 (varies with complexity)

Optima Tax Relief Overview & Reviews:

Optima is the biggest brand in tax relief — if you listen to the radio, you’ve heard their ads. Founded in 2011 and based in Santa Ana, California, they report over $3 billion in tax debt resolved and staff tax attorneys, CPAs, and enrolled agents. They offer a 15-day money-back guarantee, but note that it applies to the investigation-phase fee only, not the (much larger) resolution fees. Here’s what our volume-weighted method surfaces that their marketing doesn’t: despite the biggest ad budget in the category, Optima’s review scores run well below the smaller firms above, with a heavy BBB complaint volume. The most common complaint theme is paying thousands of dollars and ending up on a standard IRS payment plan the client could have set up themselves for free. Before hiring any tax relief firm, check the IRS’s own no-cost options first — and if your tax debt is tangled up with credit card or business debt, compare CuraDebt (#12 above), which handles both under one roof.

  • BBB: A rating, accredited (3.99/5 – ~1,700 reviews)
  • Google: 4.1/5 (~3,800 reviews)
  • TrustPilot: 4.5/5 (~5,000 reviews)
  • Certifications: NAEA member; IRS-approved continuing education provider; BBB Torch Award
  • Combined Reviews: ~10,500
  • Average Rating: 4.27/5

23) Guardian Debt Relief (2.25/5)

Debt Settlement

Guardian Debt Relief Logo

Guardian Debt Relief Overview & Reviews:

Guardian Debt Relief doesn’t have the most flattering review profile, but we included them because they are a well-known brand when it comes to debt settlement. Based in New York, they offer debt settlement, debt management, financial counseling and more.

  • BBB: (2.33/5 – 3 reviews)
  • Google: 3.0/5 (33 reviews)
  • TrustPilot: 1.7/5 (46 reviews)
  • Certifications: IAPDA, AADR
  • Combined Reviews: 82
  • Average Rating: 2.25/5

24) Trinity Debt Management (1.5/5)

Counseling / DMP · Nonprofit

TDM Overview & Reviews:

Based in Ohio, Trinity Debt Management is a Christian debt management company that offers credit counseling, budgeting help, financial education, debt settlement and more. They don’t advertise their minimums and their fees.

  • BBB: N/A (Currently updating profile)
  • Google: N/A
  • TrustPilot: 1.5/5 (180 reviews)
  • Certifications: N/A
  • Combined Reviews: 180
  • Average Rating: 1.5/5

Is bankruptcy actually your best path?

If your debt is severe enough that settlement math doesn’t work — or creditors are already suing — bankruptcy may be the cleaner reset, and it’s a legal process where a licensed attorney matters. You can request a free case evaluation with a bankruptcy attorney in your area to find out whether Chapter 7 or 13 fits before committing to anything.

Get a Free Bankruptcy Case Evaluation →

We may receive a fee if you request a consultation through this link, at no cost to you.

Not sure debt settlement is right for you?

Settlement isn’t the best path for everyone — credit counseling, consolidation, or bankruptcy may fit your situation better. Our quick quiz compares all of them honestly, with the pros and cons of each, before you contact any company.

Take the Debt Relief Quiz →

Debt Relief by State — find your state’s guide (28 states)

Frequently Asked Questions About Debt Settlement

1. What is debt settlement and how does debt settlement work?
Debt settlement is a debt relief strategy where a company or negotiator works with your creditors to try to reduce the total amount you owe. In many cases, the goal is to settle unsecured debts like credit card balances, personal loans, or medical bills for less than the full balance. The process usually involves setting aside money each month until enough has built up to make settlement offers. If a creditor agrees, the debt may be resolved for less than the full amount owed. This can help some people get out of overwhelming debt, but it also comes with risks, including fees, possible lawsuits, and credit score damage. It is also worth knowing that debt settlement is very different from a debt management plan. A debt management plan generally aims to repay the full principal over time, while debt settlement focuses on negotiating a reduced payoff.
2. How were the debt settlement companies ranked in this list?
The companies in our list were ranked based on a combination of their average ratings and total review volume across reputable third-party platforms such as the Better Business Bureau, Google Reviews, and Trustpilot. The goal was to make the ranking as objective as possible rather than relying only on marketing claims. In simple terms, we looked at both quality and quantity. A company with excellent ratings but very few reviews may not tell you as much as a company with strong ratings backed by thousands of customer reviews. That said, ratings should never be the only factor. Fees, minimum debt requirements, service quality, transparency, and your specific financial situation matter just as much.
3. What services do debt settlement companies usually offer?
Debt settlement is the core service, but many companies also offer related forms of debt relief. Depending on the provider, you may also see debt consolidation loans, credit counseling, debt management plans, budgeting help, or referrals to partner lenders and counselors. For example, some providers focus almost entirely on negotiating unsecured debts like credit card balances and medical debt. Others expand into debt consolidation or work with nonprofit counseling partners. This is why it is important to confirm exactly what service you are signing up for before enrolling. If you are mainly looking for a lower monthly payment without defaulting on your accounts, a debt management plan or credit counseling route may be more appropriate than settlement.
4. What fees do debt settlement companies charge?
Debt settlement fees often range from about 15% to 25% of the enrolled debt amount, although fee structures vary by company and by state. Some providers may also have setup fees or monthly account fees, depending on how the program is structured. In many cases, companies say they charge fees only after a settlement has been successfully reached and approved. Even so, you should read the agreement carefully and ask for the full fee structure in writing before signing up. The key question is not just what percentage they charge, but how those fees affect your total savings. A settlement program that reduces debt but adds large fees may not be as attractive as it first appears.
5. What is the minimum debt required for debt settlement?
Minimum debt requirements vary by company. Many debt settlement companies prefer clients with at least $10,000 in unsecured debt, although some accept lower amounts, and some debt counseling or debt management providers may have no minimum at all. This matters because debt settlement is usually aimed at people with a meaningful amount of unsecured debt who are already struggling to keep up. If your debt is relatively low, other solutions may make more sense and may carry less risk. Before applying, check the provider’s minimum debt threshold so you do not waste time on a company that is unlikely to accept your case.
6. Do debt settlement companies offer debt consolidation loans too?
Some do, but many do not. Certain companies focus only on settlement and negotiation, while others partner with lenders to offer debt consolidation loans as an alternative path. A debt consolidation loan can sometimes help if your credit is still decent and your income is strong enough to qualify for better terms. But this route can also backfire if the interest rate is too high or if the new loan simply delays a deeper debt problem. That is why I usually suggest being cautious with consolidation loans unless the numbers clearly improve your situation. A bad loan can make a difficult debt problem worse, not better.
7. What certifications should a reputable debt settlement company have?
Reputable debt relief providers often highlight industry memberships or certifications that suggest they follow recognized standards and ethical practices. Common names you may see include the American Association for Debt Resolution (AADR, formerly the American Fair Credit Council), the Association for Consumer Debt Relief (ACDR), the International Association of Professional Debt Arbitrators, Better Business Bureau accreditation, the Financial Counseling Association of America, and the National Foundation for Credit Counseling. These certifications and memberships do not guarantee that a company is perfect, but they can help you separate more established providers from questionable operators. You should still verify the credentials yourself instead of taking the company’s word for it. It is also smart to check whether the company has been the subject of major complaints, enforcement action, or regulatory issues before signing up.
8. How long does debt settlement usually take?
Debt settlement programs often take anywhere from about 12 to 48 months, although some run longer depending on the amount of debt, your monthly contributions, and how quickly creditors agree to settle. The timeline depends on several factors, including how much debt you have, how much money can be set aside each month, and how willing creditors are to negotiate. Larger balances usually take longer. Higher monthly contributions can shorten the process. This is an important question to ask during a free consultation. A program may look attractive on paper, but if the timeline does not fit your situation, it may not be the right path.
9. Does debt settlement hurt your credit score?
Yes, debt settlement can negatively affect your credit score, especially in the short term. That is one of the biggest trade-offs people need to understand before enrolling. In many settlement programs, accounts become delinquent while money is being set aside for negotiations. Missed payments and settled accounts can both appear on your credit report. That can cause a meaningful drop in your score. Over time, some people rebuild their credit after resolving debt and stabilizing their finances. But the short-term damage is real, and it should be weighed against other options like credit counseling, debt management, or bankruptcy.
10. How do I choose the right debt settlement company?
Choosing the right debt settlement company comes down to more than just reviews. You should compare reputation, fee structure, minimum debt requirements, transparency, certifications, customer support, and the exact services offered. I would also look closely at whether the company clearly explains the risks, including credit damage, possible lawsuits, tax consequences, and the time it may take to finish the program. If a company only talks about savings and skips the downsides, that is a red flag. It is also wise to check whether the company appears in the FTC’s list of banned debt and mortgage relief providers. That is a simple but important screening step.
11. Are nonprofit credit counseling agencies better than for-profit debt settlement companies?
Not always. Nonprofit does not automatically mean better, and for-profit does not automatically mean worse. Both types of organizations can be legitimate, and both can charge fees. The bigger question is what type of help you actually need. If your debt still looks manageable and you want to repay it in a structured way, nonprofit credit counseling or a debt management plan may be the better fit. If your debt is more severe and you are already falling behind, a settlement company may be one of the options worth researching. The best approach is to compare the service model, fees, risks, and likely outcome rather than assuming one label is always safer than the other.

Amine Rahal
Amine is an entrepreneur, investor and financial writer that covers the US economy, inflation, alternative investments, cryptocurrencies and more. He has been involved in the space for over a decade.

Lauren Brown
Lauren has over 13 years of experience in wealth management and financial planning. She is a CFA charterholder and holds a Bachelor’s degree in Finance. Lauren has worked with several asset management firms, offering wealth advisory and portfolio management services to high-net-worth clients.

Money Management International: Legit Debt Relief Company? Read Our 2026 Review

by | Jul 29, 2026 | Debt Relief

Money Management International (www.moneymanagement.org) is a U.S.-based nonprofit 501(c)(3) credit counseling agency offering services such as debt management plans, financial education, and broad support across credit-related challenges. Unlike for-profit debt settlement companies, MMI focuses on helping clients reduce interest rates and manage monthly payments over time with transparency and affordability. While this model suits those aiming to repay debts fully with guidance, consumers should also examine ** Compare every option in our rankings before you commit.

Not sure a debt management plan is your best move? Nonprofit counseling like MMI works brilliantly for some situations and not at all for others. Our free quiz compares DMPs, settlement, consolidation and bankruptcy against your actual numbers.

Take the Free Debt Relief Quiz

Company Snapshot

  • Official Name: Money Management International (MMI)
  • Official Website: www.moneymanagement.org
  • Headquarters: Stafford, Texas
  • Founded: 1997 (merging prior credit counseling groups dating back to 1958)
  • Type: 501(c)(3) Nonprofit
  • Service Area: Nationwide online; in-person branches in ~25 states, over 100 physical locations

Legitimacy, Ratings & Reviews

MMI is a highly reputable nonprofit credit counseling organization with multiple accreditations and top marks for transparency and client satisfaction.

  • BBB Rating: A+, BBB accredited since 1994
  • TrustPilot: 4.9 to 4.8 out of 5 (Thousands of positive reviews)
  • Forbes/Bankrate Score: Highly rated for nonprofit counseling and debt management plans
  • Certifications: NFCC, FCAA, HUD-approved, COA accredited

Clients often praise MMI’s helpful staff, clear advice, flexible payment structures, and educational support.

Services Offered by MMI

  • Debt Management Plans (DMPs): Consolidated monthly payment to MMI, which negotiates lower interest rates and elimination of late fees with creditors.
  • Debt Resolution Plans: Similar to settlement plans, MMI negotiates lump settlements, and refunds are available if unsatisfied
  • Credit Counseling & Credit Report Review: Free one-on-one advice and analysis of credit reports.
  • Specialized Counseling: Services for student loans, bankruptcy, disaster recovery, homebuying, reverse mortgage, military families. Fees vary or may be free.
  • Financial Education & Tools: Workshops, webinars, podcasts, budgeting tools, and more.

Pros 👍

  • Nonprofit with high trust: No motive to upsell, focus on consumer benefits.
  • Low, transparent fees: For DMPs, setup ranges $33–$75; monthly fees $25–$59.
  • Helps reduce interest, not just restructure debt: Clients may save significantly over time.
  • Wide range of services: Beyond debt, includes housing, student loans, disaster counseling.

Cons 👎

  • Does not reduce principal: You still pay all your debt, albeit at lower interest.
  • Long program duration: DMPs typically last 3 to 5 years. :contentReference
  • Limited in-person branches: Brick-and-mortar locations exist in about 25 states only.

Debt Types They Can Help With

MMI primarily assists with unsecured debts, including:

  1. Credit Card Debt
  2. Medical Bills
  3. Personal Loans
  4. Collections

They do not cover secured loans, federal student loans, or IRS obligations under standard programs, though they do offer some student loan counseling and specialized foreclosure/bankruptcy counseling. 

Final Thoughts

Money Management International stands out as a trusted nonprofit offering affordable, structured debt support. They are a smart starting point if you want to repay your debt in full with lower interest and comprehensive guidance. If, however, you are looking for a settlement option where you pay less than you owe with no upfront fees, then we recommend

Comparing your options? We ranked 24 debt relief companies side by side, nonprofits and settlement firms alike, with fees, minimums and ratings for each.

See All 24 Companies Ranked

Frequently Asked Questions About Money Management International

1. Is Money Management International a legitimate company?
Yes, they are. In my research, I found that MMI is one of the largest nonprofit credit counseling agencies in the United States. They have been around in some form since the 1950s and officially became Money Management International in 1997 after several nonprofit agencies merged. They are accredited by the National Foundation for Credit Counseling (NFCC) and approved by the Department of Housing and Urban Development for housing counseling. That credibility matters a lot when you are looking for trustworthy help with debt.

2. How does MMI’s debt management program work?
The process is fairly straightforward. You begin with a free consultation where a counselor reviews your income, expenses, and debts. If you qualify, they may recommend a debt management plan. With a DMP, you make one monthly payment to MMI and they send those funds to your creditors. In most cases, they are able to secure lower interest rates and get late fees waived. You still pay back everything you owe, but under more manageable terms. Most programs run between three and five years.

3. How much does it cost to enroll in a debt management plan with MMI?
Fees vary by state regulations, but generally there is a one-time setup fee between $33 and $75 and a monthly fee between $25 and $59. Because MMI is a nonprofit, these fees are modest compared to what for-profit companies charge. They also sometimes reduce or waive fees for people with financial hardship. I like that their pricing is very transparent compared to some competitors.

4. What kinds of debt does MMI help with?
MMI mainly focuses on unsecured consumer debts. This includes credit cards, medical bills, personal loans, and accounts in collections. They also provide counseling for student loans, though they do not consolidate federal loans into their DMPs. They will not be able to help you with secured debts like mortgages or auto loans, and they do not provide relief for IRS tax debt.

5. Will enrolling with MMI hurt my credit score?
This is a common question. In my experience reviewing credit counseling agencies, enrolling in a DMP can cause a short-term dip in your credit score, mainly because some creditors will mark accounts as “managed by a credit counseling agency.” However, since you continue paying down your balances, your score often improves over time. I have seen people finish a program in a stronger position than when they started. The key is that unlike settlement companies, MMI helps you pay off your debt in full, which usually leaves a better long-term credit profile.

6. How is MMI different from debt settlement companies?
The main difference is that MMI does not try to reduce your principal balance. Settlement companies will negotiate with creditors to accept less than you owe, often requiring you to stop payments to build leverage. That approach can save you money but can also damage your credit in the short term. MMI, on the other hand, focuses on lowering interest and fees so you can pay off your debt in full. I see them as more of a safe and steady option, while settlement can be more aggressive and risky.

7. Is MMI available nationwide?
Yes, their counseling services are available across the United States online or by phone. They also have physical branch offices in about 25 states, with over 100 locations in total. This is a plus if you prefer face-to-face counseling. I found that even people in states without branches can still work with them through remote counseling.

8. How long will it take to complete a program with MMI?
Most debt management plans last between three and five years. The exact timeline depends on how much debt you have and how much you can pay each month. From what I have seen, people who commit to the program and make consistent payments often finish faster than expected. The structure of the plan makes it easier to stay on track compared to juggling multiple bills on your own.

9. What do clients say about MMI?
When I looked at reviews across BBB, TrustPilot, and other platforms, I noticed a lot of praise for the professionalism of the counselors and the sense of relief people feel after enrolling. Clients often mention lower interest rates, reduced stress, and steady progress toward being debt free. A smaller number of negative reviews tend to focus on the length of the programs or the fact that you still pay back the full balance, which some consumers may not expect if they were hoping for a settlement-style discount.

10. Is MMI the best option for debt relief?
I would say it depends on your situation. If you are committed to repaying what you owe and you want a nonprofit organization that focuses on education and affordable repayment, MMI is a strong option. Whatever you choose, compare at least two providers from our rankings first. Both approaches have their place, but they serve different needs.

Money Management International FAQ

Is Money Management International legit?
Very much so. MMI is a 501(c)(3) nonprofit with roughly 60 years of history, membership in the NFCC and FCAA, Council on Accreditation approval, and HUD certification for housing counseling. It is one of the largest nonprofit counseling agencies in the country.
How much does MMI charge?
Most counseling and education is free. Debt management plans carry modest setup and monthly fees that vary by state, and MMI notes that reduced or waived fees are available for qualifying clients. You will get exact figures in your free initial session.
Is MMI a debt settlement company?
No, and that matters. MMI is a nonprofit credit counselor: on a debt management plan you repay everything you owe at reduced interest rates. Settlement companies negotiate to pay less than you owe, with heavier credit damage and fees. Different tools for different situations.
Will an MMI debt management plan hurt my credit?
Far less than settlement. Accounts are typically closed when they enter the plan, which can ding your score at first, but consistent on-time plan payments usually rebuild credit during the 3 to 5 year program.
What if a DMP is not enough for my debt?
If your budget cannot cover full repayment even at reduced rates, look at settlement or bankruptcy. Take our free quiz to compare all four paths against your numbers, or browse our rankings of 24 debt relief companies.

Pacific Debt Relief: Good Company for Debt Settlement? Our 2026 Review

by | Jul 29, 2026 | Debt Relief

Disclosure: Our content is not financial advice. Perform due diligence and speak to a financial advisor before making any decisions with your savings. We may earn commissions from products reviewed. (Learn more)

Pacific Debt Relief Logo

Pacific Debt Relief (www.pacificdebt.com) is a San Diego based debt relief company that focuses on debt settlement for unsecured debts like credit cards, medical bills, and personal loans. The company positions its program as a way to resolve debt in roughly two to four years with no upfront fees. Below we break down how Pacific works and how it stacks up against the rest of the industry.

Before you commit to any settlement company: take two minutes to check whether settlement is even your best option. Our free quiz compares settlement, consolidation, credit counseling and bankruptcy against your actual debt and income.

Take the Free Debt Relief Quiz

Company Snapshot

  • Official Name: Pacific Debt, Inc. (Pacific Debt Relief)
  • Official Website: www.pacificdebt.com
  • Headquarters: San Diego, California
  • Founded: 2002
  • Service Area: Availability varies by state
  • Primary Service: Debt Settlement

Pacific Debt Relief Is Not Pacific Management Group

Quick but important distinction, because people mix these up constantly. Pacific Debt Relief (also known as Pacific Debt Inc.) is the San Diego debt settlement company reviewed on this page, in business since 1997. Pacific Management Group is a completely different operation on the debt collection side. If someone from a “Pacific” company is calling to collect a debt from you, that is not Pacific Debt Relief, and you have rights under the FDCPA. Our debt relief options guide covers how to handle collectors, including free legal aid resources.

Legitimacy, Ratings and Reviews

Pacific Debt Relief operates within the standard rules for for profit settlement companies, including no upfront fees. From what I have seen, reviews online are mostly positive with some mixed experiences, which is common in settlement programs since timelines and outcomes depend on each client’s creditors and financial situation.

  • Accreditations: Typical industry affiliations such as AFCC and IAPDA are referenced by the company
  • General sentiment: Many clients report helpful negotiators and meaningful reductions, while others mention slower timelines or communication issues

Services Offered by Pacific Debt Relief

  • Debt Settlement: Negotiates with creditors to reduce unsecured balances
  • Hardship Review: Reviews income, expenses, and enrolled debts to determine eligibility
  • Client Support: Guidance through the process and basic budgeting resources

Pros 👍

  • No upfront fees, fees assessed after a settlement is reached and approved
  • Established brand with a long operating history
  • Focused scope on unsecured consumer debt

Cons 👎

  • Minimum debt thresholds often apply, smaller balances may not qualify
  • Credit impact during the program since accounts usually become delinquent before settlement
  • State availability varies, not available everywhere

How Pacific Debt Relief Compares

Category Pacific Debt Relief New Era Debt Solutions
Founded 2002 1999
Headquarters San Diego, California California
Accreditations AFCC and IAPDA noted by the company AFCC and IAPDA reported, long standing reputation
Primary Service Debt settlement only Debt settlement only
Upfront Fees None, success based after settlement None, success based after settlement
Program Length About 24 to 48 months on average About 24 to 36 months on average, varies by case
Minimum Debt Required Around $10,000 typical Around $10,000 typical
Customer Reviews Mostly positive, some mixed feedback on timelines High overall satisfaction in most reports
State Availability Not available in every state Broader coverage overall, confirm eligibility
Overall Impression Credible settlement option with a focused service Transparent approach and strong client outcomes in many cases

Visit Pacific Debt Relief →

Debt Types They Can Help With

Based on my review, Pacific Debt Relief primarily assists with unsecured debts, including:

  1. Credit Card Balances
  2. Medical Bills
  3. Unsecured Personal Loans
  4. Collections and Charge Offs

They do not work with secured debts like mortgages and auto loans, and they do not provide solutions for IRS tax debt or federal student loans. This company covers the same types of debt as other similar companies, such as Cura Debt, Accredited Debt Relief or National Debt Relief.

Final Thoughts

Pacific Debt Relief is a legitimate choice for debt settlement and has been around for a long time. If your main goal is to reduce what you owe on unsecured debts, their program may be a fit. Settlement has trade offs that include short term credit impact and the possibility of collection activity while negotiations are underway. Because results vary by situation and creditor, I always recommend comparing options. My suggestion is to look at

Shopping around? Good instinct. We ranked 24 debt relief companies side by side with fees, minimums and ratings for each, so you can compare Pacific against the field in one place.

See All 24 Companies Ranked

Frequently Asked Questions About Pacific Debt Relief

Is Pacific Debt Relief a legitimate company?
Yes. They are a long standing settlement company that follows the no upfront fee model required by federal rules. They also highlight common industry affiliations such as AFCC and IAPDA.
How does Pacific Debt Relief’s program work?
It starts with a free consultation. If you enroll, you make monthly deposits into a dedicated account while the company negotiates with your creditors to settle for less than the full balance. The process usually takes between two and four years, depending on your debt load and monthly contribution.
What fees does Pacific Debt Relief charge?
There are no upfront fees. Like other settlement firms, fees are performance based and are charged only after a settlement is reached and you approve it. The percentage can vary by state and by the amount of debt you enroll.
What types of debt qualify?
They focus on unsecured debts. This includes credit cards, medical bills, unsecured personal loans, and many accounts in collections. Secured debts are generally excluded.
How much debt do I need to enroll?
Most settlement programs prefer at least $10,000 in unsecured debt. If you have less than that, a nonprofit credit counseling agency or a debt management plan may be a better fit.
Will working with Pacific Debt Relief affect my credit score?
Yes. Because payments to creditors are usually paused during negotiations, accounts are reported as delinquent. Credit scores typically drop in the short term, then many consumers see improvement after settlements are completed and balances are marked satisfied.
Is Pacific Debt Relief available in all states?
No. Availability depends on your state of residence. The company can confirm eligibility during your consultation.
Will I owe taxes on forgiven debt?
Forgiven balances can be treated as taxable income on a 1099-C. Some consumers qualify for the IRS insolvency exclusion. I always suggest speaking with a tax professional before you enroll.
Can Pacific Debt Relief help if I already have a lawsuit?
Settlement can still be possible during a lawsuit. Outcomes depend on the creditor, the stage of the case, and what funds you can put toward a lump sum. You should also consult an attorney about legal deadlines.
What happens if a creditor wins a judgment or starts a garnishment?
A judgment or garnishment raises the urgency to resolve that account. Settlement may still work, but there are no guarantees. Court orders stay in effect until changed by the court or satisfied.
Do I keep control of the dedicated account used for settlements?
You typically keep control of the account used to set aside funds. You approve settlements before money is released. Ask about who owns the account and how you can access funds if you cancel.
Can I cancel the program and get a refund?
You can usually cancel at any time. Any unspent funds in your dedicated account are yours. Fees already earned for completed settlements are not refundable.
How are settlement fees calculated?
Fees are usually a percentage of the enrolled debt or a percentage of the savings after a settlement is approved. The exact percentage varies by state and by program terms.
Will this hurt my credit score?
Yes in the short term. During negotiations accounts are typically reported past due. After settlements post and balances are reduced to zero, many people begin to rebuild over time.
How will settled accounts appear on my credit report?
Settled accounts usually show as “settled,” “settled for less than full balance,” or a similar notation. The balance should show zero after payment completes.
Can I open new credit while I am in the program?
It is possible, but it may undermine your plan. New credit can make it harder to accumulate settlement funds and some creditors review recent activity when negotiating.
Can I keep one credit card for emergencies?
Some clients keep a small card for travel or emergencies. Using credit while settling other accounts can slow progress. Ask about program rules before you enroll.
What types of debts are usually not eligible?
Secured debts like mortgages and auto loans are not good candidates because the lender can repossess collateral. Most federal student loans and IRS tax debts are not settled in these programs.
Is there a minimum debt per account or only a total minimum?
Many programs prefer a total of at least $10,000 in unsecured debt and also like to see individual accounts over a few hundred dollars. Ask for the exact thresholds.
Can business or sole proprietor debts be included?
Some business credit cards and unsecured business lines can be considered. Eligibility depends on the creditor and whether you personally guaranteed the debt.
What if a collector refuses to work with settlement companies?
Not every creditor negotiates on the same timeline. Some may hold out or send accounts to different agencies. Persistence and available funds often determine when a deal gets done.
How long does it take to get the first settlement?
First settlements often arrive within the first few months if you are funding the dedicated account quickly. The timeline depends on your monthly contribution and which creditors you have.
Can I speed up the program?
Yes. Larger monthly deposits or occasional lump sums give negotiators more leverage and can shorten the schedule.
What documents do I need for the consultation?
Have your creditor list, balances, interest rates, recent statements, and your monthly budget. The more detail you provide, the better the plan you will receive.
Will I still get collection calls?
You may still receive calls and letters while negotiations are underway. You can direct creditors to your provider and you can request that collectors follow communication rules under federal and state law.
Does the program include credit repair?
No. Debt settlement focuses on resolving balances. Some clients work on rebuilding credit after settlements are complete.
How does settlement compare to a debt management plan?
A debt management plan consolidates payments and aims to lower interest without reducing principal. Settlement seeks to reduce principal. A DMP usually has less credit impact but may require higher monthly payments.
How does settlement compare to a personal loan or balance transfer?
Loans and transfers can work if you qualify and can keep payments current. Settlement is designed for consumers who cannot keep up with payments and need a reduction in balances.
Should I consider bankruptcy instead?
Bankruptcy can be faster and can discharge more types of debt. It also has significant credit and legal implications. I suggest getting a free consult with a local attorney to compare options.
What happens if I move to another state while enrolled?
You can usually continue, but some program terms and fees are state specific. Tell your provider about any address change right away.
Will my co signer be affected?
If a debt has a co signer, the lender can pursue the co signer for payment. Discuss any co signed accounts with your provider before you enroll.
Can medical debts and collections be settled?
Yes in many cases. Medical providers and collection agencies often negotiate, although results vary by account.
Do I need to stop paying all creditors to qualify?
Programs typically expect that you cannot maintain regular payments. Most clients pause payments to build settlement funds. Ask for guidance specific to your mix of creditors.
Is my dedicated account insured?
Ask whether the account is held at an FDIC insured bank and whether the account is titled in your name. You should receive statements and have online access.
Can I choose which accounts to settle first?
Strategy usually targets the most collectible accounts first or accounts where the best discounts are available. You can discuss priorities with your negotiator.
Will I receive a written settlement letter?
You should receive written terms before authorizing payment and you should keep a copy for your records. After payment posts you can request confirmation that the balance is zero.
What if my income changes after I enroll?
Tell your provider right away. Your monthly deposit can sometimes be adjusted. If you receive a bonus or tax refund, a lump sum can accelerate the plan.
Can secured credit cards help me rebuild after settlement?
Many consumers use a small secured card and on-time payments to rebuild. Keep utilization low and pay in full each month.
Are payday loans eligible?
Some are eligible as unsecured debts. Payday lenders can be challenging, but settlements are possible.
How do I know if I am a good candidate for settlement?
You are a better fit if you are behind or about to fall behind, you have mostly unsecured debts, and you need a lower total payoff rather than just lower interest. If you have stable income and good credit, consolidation or a DMP may be better.

ClearOne Advantage: We Review This Debt Relief Company [2026 Update]

ClearOne Advantage: We Review This Debt Relief Company [2026 Update]

by | Jul 29, 2026 | Debt Relief

ClearOne Advantage logo

Seeking debt relief and wondering whether ClearOne Advantage is a good choice? Look no further. In this article, we’ll review the company, its debt relief services, its reviews and ratings and we’ll break down their services and costs as well when it comes to debt settlement, debt consolidation, credit counselling and other similar services they may offer.

Quick reality check before you read on: settlement is just one of several ways out of debt, and it is not the right one for everyone. Our free quiz compares settlement, consolidation, credit counseling and bankruptcy against your actual numbers.

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Shopping around? Smart. We have reviewed and ranked 24 debt relief companies side by side, with fees, ratings and minimums for each. Compare a few before you talk to anyone.

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What is ClearOne Advantage?

ClearOne Advantage logo

ClearOne Advantage is an American debt relief company specializing in debt settlement services. Founded in 2008 and headquartered in Baltimore, Maryland, ClearOne Advantage has helped thousands of clients reduce their unsecured debts through negotiation with creditors. The company offers customized debt relief programs designed to help individuals regain financial stability without resorting to bankruptcy.

  • Headquarters: Baltimore, Maryland
  • States Covered: Available in 48 states. Not available in Illinois or Oregon
  • Founded in: 2008
  • Website: www.clearoneadvantage.com
  • Phone: 1-888-340-4697

👍 Pros of ClearOne Advantage

  • No upfront fees – you basically pay only when debts are settled
  • Free consultation with customized relief plan
  • Online portal to track progress 24/7
  • Highly rated across BBB, Google, Trustpilot
  • Member of AADR and IAPDA certified
  • Dedicated customer support team

👎Cons of ClearOne Advantage

  • Only available in select U.S. states
  • May negatively impact your credit score short-term
  • Does not assist with secured debt (e.g. mortgages, car loans) like many other debt settlement companies.
  • No services for IRS/tax debt (CuraDebt may be better for tax debt.)
  • Not all creditors may agree to settlements

ClearOne Advantage Application Process

  1. Free Consultation: Speak with a debt specialist to evaluate your situation
  2. Enrollment: If you qualify, you’ll be enrolled in a tailored debt settlement plan
  3. Build Savings: Start making monthly deposits into your settlement account
  4. Negotiation Phase: ClearOne negotiates with creditors to reduce total debt
  5. Debt Settlement: Pay reduced balances as settlements are reached
  6. Graduation: Once all debts are settled, you complete the program

This process typically spans 24 to 48 months, depending on your balance and savings rate.

Services Offered by ClearOne

ClearOne Advantage Signup Form

  • Free Debt Analysis
  • Debt Settlement & Negotiation
  • Customized Debt Reduction Plans
  • Financial Education & Budgeting Support
  • Upfront Fees (Performance-Based Fees)
  • Dedicated Client Portal for Account Management

Minimum Requirements:

  • Minimum Debt: $10,000 in unsecured debt (fees run 18–29% of enrolled debt plus a $17 monthly account fee, and programs average 24–51 months)
  • Income Minimum: No strict requirement, but must demonstrate the ability to make monthly program payments

Check Your Eligibility with ClearOne →

Who Should Consider ClearOne Advantage?

ClearOne Advantage is best suited for:

  • Individuals with $10,000 or more in unsecured debt such as credit cards and some loans.
  • Those struggling to make minimum payments
  • People seeking an alternative to bankruptcy
  • Clients looking for hands-on guidance and a modern digital experience
  • Consumers in qualifying U.S. states with moderate to strong income

ClearOne may not be ideal for:

  • Consumers with secured debt like mortgages or auto loans
  • Individuals needing tax debt or federal student loan help
  • Those unwilling to take a short-term hit to their credit score

ClearOne Advantage Ratings & Reviews:

ClearOne Advantage has built a strong reputation for its transparency, customer service, and ability to help clients settle their debts. Here’s how they are rated across major platforms:

  • BBB Rating: A+ (Accredited Business)
  • BBB Reviews: 4.72/5 Stars (Over 1,500 Reviews)
  • Trustpilot: 4.8/5 Stars (Over 3,000 Reviews)
  • Google Reviews: 4.6/5 Stars
  • Consumer Affairs: 4.7/5 Stars
  • Investopedia Rating: 4.1/5 Stars
  • Accreditations: Member of the American Association for Debt Resolution (AADR), Certified by the International Association of Professional Debt Arbitrators (IAPDA)

ClearOne Advantage VS Others

Here is a brief overview of how this company compares with other popular competitors in the debt settlement space…

Company Avg. Rating Fees Min. Debt BBB Rating
ClearOne Advantage 4.37 / 5 18% – 29% $10,000 A+
New Era Debt Solutions 4.9 / 5 14% – 23% $10,000 A+
TurboDebt 4.9 / 5 15% – 25% $10,000 A+
Freedom Debt Relief 4.59 / 5 15% – 25% $10,000 A+
Pacific Debt Relief 4.85 / 5 15% – 35% $10,000 A+

 

Key Features & Benefits:

1. Free Consultation & Customized Plan

ClearOne Advantage provides a free initial consultation to assess your financial situation and determine if you qualify for their debt relief program. Each plan is tailored to the client’s financial needs, ensuring a manageable path toward debt resolution.

2. No Upfront Fees

Unlike some competitors, ClearOne Advantage does not charge upfront fees. Instead, their fee structure is performance-based, meaning they only charge a percentage of the settled debt once a negotiation is successfully completed.

3. Debt Reduction Through Negotiation

The company negotiates with creditors to reduce the total amount owed. Many customers have reported savings of 40% to 60% on their original debt balances before fees.

4. Online Client Portal

ClearOne Advantage offers an online portal where clients can monitor their progress, track payments, and communicate with their dedicated support team.

5. Strong Customer Support

With a team of debt specialists available via phone, email, and chat, ClearOne Advantage ensures clients receive guidance throughout the entire settlement process.

Limitations & Considerations:

While ClearOne Advantage has many benefits, it’s essential to be aware of potential downsides:

  • Debt settlement can negatively impact your credit score because creditors may report missed payments before settlements are reached.
  • Not all creditors agree to settlements, which means some debts may still need to be repaid in full.
  • State restrictions apply, and the service is not available in all U.S. states.

Customer Support Review:

ClearOne Advantage has received positive feedback for its customer service and transparency. Many clients praise the company for providing clear information about the settlement process and offering responsive support.

Here’s what a customer named Mark had to say about his experience:

“ClearOne Advantage helped me settle my credit card debts when I was drowning in payments. Their team was transparent, and I saved almost 50% on my total debt. The online portal made tracking everything easy. Highly recommend!”

Frequently Asked Questions (FAQ)

1. What types of debt does ClearOne Advantage handle? ClearOne Advantage specializes in unsecured debt, including credit card debt, personal loans, medical bills, and some private student loans. They do not handle secured debts like mortgages or auto loans. They don’t help with IRS or tax debt either.

2. How does ClearOne Advantage’s debt settlement process work? Clients enroll in a customized debt settlement program where they make monthly deposits into a special account. Once enough funds are accumulated, ClearOne negotiates with creditors to reduce the total debt amount. The process typically takes 24-48 months.

3. Are there any upfront fees? No. ClearOne Advantage follows a performance-based fee structure, meaning they only charge fees after successfully negotiating a debt settlement.

4. Will using ClearOne Advantage affect my credit score? Yes, debt settlement can impact your credit score. Since you stop making payments to creditors during negotiations, your credit score may drop. However, successfully settling debts can help you avoid more severe financial consequences like bankruptcy.

5. How long does the debt settlement process take? The process generally takes between 24 and 48 months, depending on the amount of debt and the client’s ability to make payments into the settlement account.

6. Is ClearOne Advantage available in all U.S. states? No, ClearOne Advantage is not available in all states. Check their website to see if they operate in your state.

7. Does ClearOne Advantage offer tax debt relief? No, ClearOne Advantage specializes in unsecured debt relief and does not offer services for IRS tax debt.

8. What qualifications do I need to enroll in ClearOne Advantage’s program? To qualify, clients generally need at least $10,000 in unsecured debt and must demonstrate a financial hardship that prevents them from repaying debts in full.

9. What should I expect during the free consultation? During the consultation, a debt specialist will review your financial situation and discuss potential savings, risks, fees, and timelines for debt relief.

10. How do I get started with ClearOne Advantage? Visit www.clearoneadvantage.com or call 1-888-340-4697 to schedule a free consultation.

Final Thoughts: Is ClearOne Advantage Right for You?

ClearOne Advantage is a legitimate and highly-rated debt settlement company that offers customized relief programs with no upfront fees. While debt settlement may impact your credit score, ClearOne Advantage has a strong track record of helping clients reduce their overall debt burden.

If you’re struggling with unsecured debt and considering settlement, ClearOne Advantage is worth exploring.

Check if you qualify Visit Website

Still weighing your options? Two minutes with our quiz beats an hour on the phone with a salesperson. It compares settlement, consolidation, counseling and bankruptcy against your real numbers, then points you to detailed reviews like this one. Or browse every debt relief option we cover.

Find Your Best Option →

ClearOne Advantage FAQ

Is ClearOne Advantage legit?
Yes. ClearOne Advantage has been in business since 2008, holds an A+ BBB rating with accreditation, and is a member of the Association for Consumer Debt Relief. Legit does not automatically mean right for you though, so compare fees and alternatives first.
How much does ClearOne Advantage charge?
Settlement fees run 18% to 29% of your enrolled debt, which sits at the higher end of the industry, plus a $17 monthly account maintenance fee. You only pay the settlement fee after a debt is actually settled.
What is the minimum debt for ClearOne Advantage?
You need at least $10,000 in unsecured debt (credit cards, personal loans, private student loans). Most enrolled clients carry $15,000 to $30,000.
Will ClearOne Advantage hurt my credit?
Yes, at least during the program. Settlement means you stop paying creditors while savings build, so expect late marks and score damage that can linger up to seven years. That trade-off is the price of settling for less than you owe.
What states does ClearOne Advantage serve?
ClearOne operates in 48 states. It is not available in Illinois or Oregon. If you are in one of those states, use our quiz or rankings to find companies that can enroll you.

Take Charge America: We Review This Nonprofit Credit Counseling Agency [2026 Update]

Take Charge America: We Review This Nonprofit Credit Counseling Agency [2026 Update]

by | Jul 29, 2026 | Debt Relief

Wondering if Take Charge America is a good option for debt settlement or debt relief? In this review of the company, we’ll look at their reviews and ratings from across the web, and we’ll break down their services when it comes to managing and decreasing debt.

Wondering if credit counseling is your best move? Nonprofits like Take Charge America shine for some situations and fall short for others. Our free quiz compares counseling, settlement, consolidation and bankruptcy against your actual numbers.

Take the Free Debt Relief Quiz

Who is Take Charge America?

Take Charge America logo

Take Charge America (TCA) is a nonprofit credit counseling agency that provides debt management, financial education, and housing counseling services. Founded in 1987, TCA has helped thousands of individuals regain financial stability through structured debt relief programs and personalized financial counseling.

  • Headquarters: Phoenix, Arizona
  • States Covered: Nationwide (Available in most U.S. states)
  • Founded in: 1987
  • Website: www.takechargeamerica.org
  • Phone: 1-866-750-9634

Services Offered:

  • Free Credit Counseling
  • Debt Management Plans (DMPs)
  • Budget Planning & Financial Education
  • Housing Counseling (HUD-approved)
  • Student Loan Counseling
  • Bankruptcy Counseling

February 2025 Update: As per a recent press release, Take Charge America has expanded its free housing counseling and mortgage assistance services to California, thanks to a $250,500 grant from the California Housing Finance Agency (CalHFA). This initiative allows the nonprofit agency to provide confidential support to homeowners and renters struggling with delinquency, foreclosure risk, or navigating the homebuying process. The services include rental and mortgage delinquency assistance, reverse mortgage counseling, pre-purchase and post-purchase guidance, and rental counseling for first-time or low-income renters. As a nonprofit, Take Charge America remains committed to offering free, unbiased advice tailored to each client’s financial situation. Residents can schedule a virtual appointment by visiting TakeChargeAmerica.org or calling (866) 987-2008.

Minimum Requirements to Qualify:

  • Minimum Debt: No strict minimum, but best suited for those with $5,000+ in unsecured debt
  • Income Minimum: Must have verifiable income to support a repayment plan

Visit Take Charge America →

Take Charge America Ratings & Reviews:

Take Charge America is known for its commitment to consumer financial education, transparent practices, and effective debt relief solutions. Here’s how they are rated across major platforms:

  • BBB Rating: A+ (Accredited Business)
  • BBB Reviews: 4.7/5 Stars
  • Trustpilot: 4.8/5 Stars
  • Google Reviews: 4.6/5 Stars
  • Consumer Affairs: 4.5/5 Stars
  • Investopedia Rating: 4.3/5 Stars
  • Accreditations: Member of the National Foundation for Credit Counseling (NFCC), HUD-approved housing counseling agency

Key Features & Benefits:

1. Free Credit Counseling

Take Charge America provides a free, confidential financial review to help clients explore available debt relief options and develop a customized financial plan.

2. Debt Management Plans (DMPs)

  • TCA works with creditors to reduce interest rates and eliminate late fees.
  • Clients make one consolidated monthly payment to TCA, which is then distributed to creditors.
  • Most DMPs last 36 to 60 months, depending on the debt amount.

3. Nonprofit & Transparent Fee Structure

  • As a nonprofit agency, TCA offers low-cost solutions with fees regulated by state laws.
  • Fees typically range from $0 to $50 for enrollment and $25 to $75 monthly.

4. Housing & Bankruptcy Counseling

  • Provides HUD-approved housing counseling for mortgage assistance and foreclosure prevention.
  • Offers pre-bankruptcy counseling and debtor education, as required by federal law.

5. Financial Education & Resources

  • Free online courses, budgeting guides, and financial tools.
  • Personalized coaching to help clients develop better financial habits and avoid future debt.

Limitations & Considerations:

While Take Charge America has many benefits, here are some potential downsides:

  • Debt management plans require consistent payments – If you miss a payment, you may lose program benefits.
  • Not all debts qualify – Secured debts like mortgages and auto loans are not eligible.
  • State restrictions apply – Some services may not be available in all states.

Customer Support Review:

Take Charge America receives high marks for customer service and program transparency. Many clients praise the easy enrollment process and supportive financial counselors.

Here’s what a customer named Jessica had to say:

“Take Charge America helped me lower my credit card interest rates and develop a realistic repayment plan. Their team was professional, patient, and always available to answer my questions. I highly recommend them!”

Frequently Asked Questions (FAQ)

What types of debt does Take Charge America handle?
TCA specializes in unsecured debts, such as credit card debt, medical bills, personal loans, and collections. They do not handle secured debts like auto loans or mortgages.
How does Take Charge America’s debt management plan work?
A DMP consolidates all your eligible debts into one monthly payment. TCA negotiates with creditors to lower interest rates and waive fees, helping you pay off debt faster.
Are there any upfront fees?
TCA’s fees vary by state, but they do not charge high upfront fees like for-profit debt relief companies. Many clients qualify for low-cost or waived fees.
Will using a debt management plan affect my credit score?
DMPs may initially impact your credit score, but as you make consistent payments and reduce your debt, your score is likely to improve over time.
How long does a debt management plan take?
Most DMPs take 3 to 5 years to complete, depending on the amount of debt enrolled.
Is Take Charge America available in all U.S. states?
TCA operates in most states, but some services may not be available in all locations. Check their website or call for details.
Does Take Charge America offer student loan assistance?
Yes, TCA provides guidance on student loan repayment options but does not offer direct consolidation services.
What qualifications do I need to enroll in a debt management plan?
You must have verifiable income to ensure you can make consistent monthly payments.
What should I expect during the free consultation?
During the consultation, a financial counselor will review your debt situation, discuss repayment strategies, and outline your best options.
How do I get started with Take Charge America?
Visit www.takechargeamerica.org or call 1-866-750-9634 for a free consultation.


Final Thoughts: Is Take Charge America Right for You?

Take Charge America is a trusted nonprofit credit counseling agency that provides debt management plans, financial education, and personalized counseling. Their low fees, nonprofit status, and strong industry reputation make them an excellent choice for individuals struggling with credit card debt and looking for a structured path to financial stability.

If you’re seeking a reputable debt management program, Take Charge America is a solid option.

Check if you qualify
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