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Sponsored. We may earn a commission at no extra cost to you. Two things worth knowing before you compare: CuraDebt matches you to a provider rather than negotiating itself, and Accredited Debt Relief is a DBA of Beyond Finance, so it is the same company as number 8 below.
Before you sign anything: settlement fees run 15 to 25 percent of your enrolled debt, and that percentage is negotiable. Get quotes from two or three firms and tell each one what the others offered.
Fourteen settlement companies, scored on live BBB, Google and Trustpilot ratings.
I have been writing about consumer debt for more than twenty years, and the question that lands in my inbox most often is which settlement company to actually call. Nobody was publishing a list ordered by what real customers say, so I built one and I rebuild it every few months.
One thing I want to flag up front, because it surprises people: a company can sit at 4.9 stars on Trustpilot and still carry a 1.75 out of 5 customer rating on the BBB. That exact gap showed up in this refresh, and it moved one company down ten places. Averaging everything into a single number without looking at each source is how shaky operators end up looking like the best in the business.
Not sure settlement is the right tool?
Settlement hurts your credit, costs 15 to 25 percent of what you enrol, can draw a lawsuit while you save, and leaves a tax bill on the forgiven balance. Consolidation, nonprofit counseling or bankruptcy suits plenty of people better. The quiz walks you through all four in about a minute, before you speak to anyone.
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, the highest-scoring counseling agency we track , that handles the actual counseling or debt-management plan. Find a nonprofit counselor (NFCC) →
The 14 best debt settlement companies of 2026, at a glance
Ratings below were pulled fresh in November 2026. Scores move, sometimes sharply, so treat this as a snapshot rather than a permanent league table, and check the live profiles before you commit. If you are still deciding whether settlement is even the right tool, start at our debt relief hub instead.
Figures in brackets are review counts. Greyed-out sources fall below our 30-review minimum and are excluded from the score. Red flags are shown in the company column where a BBB grade, accreditation status or rating gap deserves a second look.
The fee is negotiable. Most people never ask.
Nearly every firm on this page charges somewhere between 15 and 25 percent of the debt you enrol. On $40,000 of debt that spread is the difference between roughly $6,000 and $10,000, for the same work. It is not a fixed price list, it is an opening offer, and in twenty years of writing about this I have lost count of the readers who found that out too late.
So do this before you enrol anywhere:
Call two or three firms, not one. Quotes are free and nothing is owed until a debt settles.
Ask each one for its fee as a percentage of enrolled debt, in writing, and get the monthly payment too.
Tell each firm what the others quoted. A few points off a 22 percent fee is a real saving, and they would rather discount than lose you.
Check what happens if you drop out early, because many people do not finish a full programme.
Compare the three highest-scoring settlement firms
All three quote for free and none of them charges a fee until a debt actually settles, so getting two or three numbers side by side costs you nothing but a few minutes.
Sponsored links. We may earn a commission at no extra cost to you, and it does not affect the ranking above.
How we scored these companies
The method is deliberately boring, because boring is what keeps it honest. Three sources, equal weight, published figures:
Three sources. Live customer ratings from the Better Business Bureau, Google and Trustpilot.
Equal weight. Each source counts for one third of the score. Earlier versions of this page weighted each source by its review volume, and the result was effectively a Trustpilot ranking, because the Trustpilot counts here run into the tens of thousands while BBB counts are often in the hundreds. Equal weight fixes that.
A 30-review minimum. Any source with fewer than 30 reviews is excluded from the score. A perfect 5.00 built on two reviews tells you nothing, and it used to push companies to the top of this list.
Volume breaks ties. When two companies land on the same score, the one with more counted reviews ranks higher.
Partnerships change nothing. Four companies on this page pay us. Their scores are calculated exactly like everyone else’s, and every underlying figure is printed so you can check.
I will be blunt about what this does and does not tell you. A high score means customers who left reviews were mostly happy. It does not mean settlement will work for you, and it does not mean the fee you are quoted is fair. The CFPB is clear that these programs can leave you deeper in debt, and the IRS treats forgiven debt as taxable income in most cases, which catches people out every single April. When I worked through six figures of card debt myself, the tax bill on the forgiven portion was the part nobody had warned me about.
The four types of company you will see on this page, because they are not interchangeable:
Debt settlement. Negotiates with creditors to clear your balance for less than you owe. Can cut what you pay, but damages credit, carries fees of roughly 15 to 25 percent of enrolled debt, and leaves you exposed to lawsuits while you save up.
Debt consolidation. Rolls several balances into one loan or payment. Works best if your credit is still reasonable and your income is steady.
Nonprofit counseling and DMPs. Free advice plus a structured repayment plan at reduced interest. You repay the full balance, and your credit takes far less damage.
Tax and IRS relief. Back taxes, liens, wage garnishment and payment plans with the IRS or your state.
The 14 best debt settlement companies of 2026, reviewed
Ranked by the scores above. Each entry carries the three source ratings, the review counts behind them, and any flag worth knowing about. A note on the one that moved furthest: CreditAssociates and TurboDebt both look superb on Trustpilot and ordinary or worse everywhere else, which is exactly the pattern the 30-review minimum and equal weighting were meant to expose. And if the balances are large enough that settling them still leaves you underwater, it is worth reading settlement against bankruptcy before you enrol anywhere.
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.
What sets them apart: Family owned and settlement only since 1999, which is genuinely long for this sector. In 26 states the negotiation is carried out in association with its affiliate law firm, CFLN.
Our score: 4.90/5★★★★★
BBB: 5.00/5 ★★★★★ from 18 reviews (below our 30-review minimum, not counted)
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.
What sets them apart: Not a settlement operator. Its own disclosure states that settlement is “offered only by independent third-party providers or law firms, not by CuraDebt”, so it matches you to someone else in its network. It also covers IRS tax debt and merchant cash advance debt, which almost nobody else here does.
Our score: 4.85/5★★★★★
BBB: 4.88/5 ★★★★★ from 26 reviews (below our 30-review minimum, not counted)
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.
What sets them apart: A DBA of Beyond Finance, LLC, so legally the same company as number 8 on this list. It publishes a guarantee with an actual mechanism: at graduation it compares what you paid creditors plus fees against your enrolled balance, and refunds the difference out of its own fees if you paid more.
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.
What sets them apart: San Diego based, founded 2002, and one of the few here that explicitly names payday loans among the debts it will take on.
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.
What sets them apart: Founded 2003 and still run from a single office in Beverly, Massachusetts, with Saturday hours. Smallest footprint on this list.
Worth knowing before you call: the CFPB sued DMB Financial in December 2020 over abusive and deceptive practices under the Telemarketing Sales Rule. A stipulated judgment in May 2021 imposed $7.7 million in consumer redress, suspended on payment of $5.4 million based on inability to pay, plus a $1 civil penalty. The case is closed, and the CFPB action page has the full record. Their review scores are strong, but this is the kind of thing star ratings never surface.
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.
What sets them apart: Has a built-in exit route: complete six months in the program and you may qualify for an Americor Advantage consolidation loan through its partner lender Credit9. Stated floor is more than $7,500 of unsecured debt.
Our score: 4.74/5★★★★★
BBB: 4.73/5 ★★★★★ from 5,015 reviews
Google: 4.8/5 ★★★★★ from 14,002 reviews
Trustpilot: 4.7/5 ★★★★★ from 17,629 reviews
Reviews counted: 36,646 across 3 sources
Fees: No upfront fees; settlement fees charged only after a debt settles
Availability: Most U.S. states (exclusions vary, check eligibility)
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.
What sets them apart: Offers consolidation loans through affiliate Reach Financial, and covers an unusually wide set of niches including private student loan, marital and business debt. Operating since 2009.
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.
What sets them apart: The only firm here with certified financial therapists on staff, running five live wellness sessions a week, alongside its named Financial Wellness RESET framework. Its app also lets enrolled clients approve settlement offers in real time. This is the clearest staffing difference in the whole list.
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.
What sets them apart: Operating since 2008 out of Tempe, Arizona and Baltimore, Maryland. The least differentiated company on this page: no named program, no affiliated lender, no published minimum or state exclusions that we could verify.
Our score: 4.65/5★★★★★
BBB: 1.00/5 ★☆☆☆☆ from 13 reviews (below our 30-review minimum, not counted)
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.
What sets them apart: A subsidiary of Achieve, the consumer lending group, which is where its loan options come from. Publishes a money-back guarantee with stated terms and offers a Legal Partner Network for extra negotiation support.
Logo of CreditAssociates (credit: creditassociates.com)
What sets them apart: Dallas based, and unusually specific about where it will not work: it names New Jersey and Pennsylvania as excluded. Runs a named client app, DebtApp, and its lowest intake tier starts at $7,500.
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.
What sets them apart: Markets a named four-stage method, SmartTrack, and is one of the few that publishes its CEO and headcount. Its referral program excludes residents of Colorado and Nevada.
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.
What sets them apart: Publishes a precise state exclusion list rather than the usual vague wording: not available in Connecticut, Minnesota, Oregon, Vermont, West Virginia or Wisconsin. Uses IAPDA-certified arbitrators.
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.
What sets them apart: Run from the Financial District in New York City, markets its offering as the Guardian Program, and lists some student loans among eligible debts.
Our score: 1.40/5★☆☆☆☆
BBB: 1.00/5 ★☆☆☆☆ from 2 reviews (below our 30-review minimum, not counted)
Google: no profile found
Trustpilot: 1.4/5 ★☆☆☆☆ from 53 reviews
Reviews counted: 53 across 1 source
Flag: BBB grade C+, not BBB accredited
Certifications: IAPDA, AADR
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.
We may receive a fee if you request a consultation through this link, at no cost to you.
Narrowed it down? Get your numbers before you commit
Quotes are free and nothing is charged until a debt actually settles, so there is no reason to take the first offer you are given. Two or three comparisons is the single cheapest thing you can do here.
Sponsored links. Scores come from the table above and are not affected by these partnerships. Accredited Debt Relief and Beyond Finance are the same company trading under two names.
Not debt settlement? Start here instead
Settlement is one tool out of several, and it is the wrong one for plenty of the people who land on this page. The other two categories now have their own rankings, scored on the same method:
Nonprofit credit counseling and debt management plans. You repay the full balance at reduced interest, and your credit takes far less damage. Eight agencies ranked in our credit counseling guide.
Tax and IRS debt. Back taxes, liens, levies and payment plans are a separate specialism. Ten firms ranked in our tax relief company rankings.
Debt Relief by State , find your state’s guide (28 states)
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?
Every company is scored on its live customer ratings from three independent sources: the Better Business Bureau, Google and Trustpilot. Each source carries equal weight, so a company is not carried by one platform where it happens to have collected tens of thousands of reviews. Any source with fewer than 30 reviews is left out of the score, because a handful of ratings is not a sample. Where two companies tie, the one with more counted reviews ranks higher. Paid partnerships have no effect on the score, and all three figures are published next to each company so you can check the maths yourself.
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.
12. Why does a company with 4.9 stars on Trustpilot have a 1.75 rating on the BBB?
Because the two platforms collect reviews in very different ways. Trustpilot reviews are usually invited by the company itself, often right after a pleasant sales call, while BBB customer reviews and complaints tend to arrive later, from people who are already unhappy. A wide gap between the two is not proof of wrongdoing, but it is a signal worth checking before you sign anything. In this refresh, TurboDebt showed 4.9 on Trustpilot and 1.75 on the BBB, and ClearOne Advantage showed 4.8 on Trustpilot against a B- BBB grade with no BBB accreditation. Read the actual BBB complaints before you decide, not just the star averages.
13. Which debt settlement company has the best reviews right now?
New Era Debt Solutions scores highest in this update at 4.90 out of 5, with 4.9 on Google across 255 reviews and 4.9 on Trustpilot across 452 reviews. CuraDebt follows at 4.85 and Accredited Debt Relief at 4.83. Accredited Debt Relief is the strongest of the three on sample size, with more than 30,000 counted reviews, so if you want high ratings backed by a very large review base, that is the one to look at first.
14. Is a settlement company with only a few hundred reviews less trustworthy than a national one?
Not necessarily, but you are reading a smaller sample, so the number is less reliable. A firm with 500 reviews at 4.9 might be excellent, or might simply have fewer unhappy customers who bothered to post. That is why any source with under 30 reviews is excluded from our score, and why the counted review total sits in the table next to every company. The practical move is to weigh the rating and the sample size together, then call two or three providers and compare what they actually quote you.
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.
If debt problems are mounting and pressure from creditors has become overwhelming, seeking professional help can ease the burden. Instead of forging the difficult path alone, strategizing with experts reduces the economic and psychological strain.
But, is Oak View Law Group the right partner to get you out of debt?
Better Business Bureau (BBB) Reviews: 4.7/5 (12 reviews)
Pros and Cons
For a quick breakdown of how Oak View Law Group stacks up, please see the list below:
Pros:
Has helped more than 6,700 clients become debt-free
Its team of experts has experience across 15 segments of consumer law
There is a “No-Questions-Asked Refund Policy”
Oak View Law Group provides professional guidance and mentorship throughout the debt-relief process
Oak View Law Group can often settle your debts at 40% to 60% of the outstanding balance
There are services for auto, medical, and student loan debt
Highly rated by clients
Cons:
Fees are federally regulated but can be high in some cases
What is Oak View Law Group?
Helping more than 6,700 clients become debt-free, Oak View Law Group is a consumer law firm headquartered in California. It specializes in debt relief, debt consolidation, and bankruptcy services. The group helps clients save money, avoid lawsuits, and has a team of experts with experience across 15 segments of consumer law. Moreover, Oak View Law Group has a “No-Questions-Asked Refund Policy,” where your fees and trust account balance are reimbursed if you’re unsatisfied with the service.
Some of Oak View Law Group’s services include:
Debt Consolidation
Debt Settlement
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Payday Loan Consolidation
Payday Loan Settlement
For more insights on the value of these services, the Federal Trade Commission (FTC) has a helpful guide on How To Get Out of Debt.
How Can Oak View Law Group Help Me?
Working with a credit professional is like having an experienced coach to draw up plays on your behalf. And like any sport, it allows for a clearer strategy to achieve the team’s goals.
Oak View Law Group provides professional guidance, mentorship, and develops an effective debt-relief strategy, similar to a dedicated debt relief attorney. We have an in-depth guide on credit counseling services, which can help you determine whether settlement, a repayment plan or bankruptcy is the better route. Some of the differences include:
You often forfeit more personal assets in bankruptcy
Bankruptcy has a greater impact on your credit score
A Chapter 7 bankruptcy stays on your credit report for 10 years from the filing date, and a Chapter 13 for 7 years, while a settlement or repayment plan leaves no bankruptcy record at all
Similarly, Oak View Law Group provides parallel guidance to a debt relief attorney. By weighing the pros and cons of several scenarios, its team can help improve your financial health by achieving the following:
Lower monthly payments and interest charges
Devise a plan for manageable monthly payments
Reduce or eliminate late fees
Reduce or eliminate collection calls
What Is Oak View Law Group’s Settlement Program?
When working with Oak View Law Group, its team handles the day-to-day negotiations with creditors. For example, they manage creditor calls, negotiations, bill payments, and ensure you can enjoy your professional and personal lives with minimal disruption.
How Long Does It Take to Become Debt-Free?
Depending on the amount owed and your excess income, estimates can vary widely. In a nutshell: it often depends on how much funds you want to allocate to debt repayments.
For example, let’s say you have $10,000 in debt and Oak View Law Group negotiates a 50% settlement. You have to pay $5,000 and can choose a lump-sum payment or monthly installments.
The firm notes that “As per the industry trends and our experience, debt can be settled at 40% to 60%, but we always negotiate for the lowest settlement percentage possible to save more for our clients.”
Thus, if you can cut the collection amount in half by working Oak View Law Group, it should greatly enhance the speed at which you become debt-free.
What Does Oak View Law Group Charge In Fees?
Adhering to FTC guidelines, Oak View Law Group’s fees are outlined in the graphics below:
What Other Services Does Oak View Law Group Provide?
If you’re struggling with auto, medical, or student loan debt, Oak View Law Group can assist in these areas too.
Regarding auto loans, the firm can help if the vehicle has been repossessed, sold, or is being processed by a third-party collection agency.
For overdue medical bills, the firm notes that healthcare companies “do not provide settlement offers.” Consequently, Oak View Law Group can only help you negotiate a manageable repayment plan.
Likewise, student loan companies do not provide settlement plans either, and Oak View Law Group can only help if the account has been transferred to collections.
How Do Clients Rate Oak View Law Group?
While the firm doesn’t have a lot of Google or Trustpilot reviews, the vast majority of clients were satisfied with Oak View Law Group’s services. Many cited efficient settlement procedures and noted how Oak View Law Group provided support and guidance throughout the process. A few of the testimonials read:
Oak View Law Group was able to settle my huge payday loan debts. The staff were very helpful and understanding. I can’t believe how fast and easy they were able to settle my debt.Much respect to Oak View Law Group. Thank you for getting me out of debt.
OVLG assisted me in resolving three payday loan debts. Mr Sanchez assured me that all debts would settled by the projected date and I would have access to himself, agents, and my account online. The process went just as planned, he communicated with me every step of the way and was patient to answer all my concerns. I would definitely return as well as recommend OVLG.
I have worked with OVLG, specifically, Diego, and I cannot say enough good things that he and OVLG have done for me. They have helped me so much and are diligent, professional, and understanding. I am truly amazed at how quickly Diego replies. Great company, great assistance. They truly give you hope.
As a result, not only does Oak View Law Group develop strategies for effective debt relief, but it also shows empathy when dealing with difficult situations.
Are We Believers In Oak View Law Group?
Because client testimonials are the best indicator of distinguished service, Oak View Law Group’s reviews speak for themselves. By providing guidance, mentorship, and working with clients every step of the way, the firm has developed a compassionate reputation.
Moreover, if Oak View Law Group can negotiate debt settlements at 40% to 60% of the outstanding balance, the cost savings can greatly outweigh the service fees. On top of that, the “No-Questions-Asked Refund Policy” adds further credibility and reduces your risk if you’re unhappy with the process.
All in all, there is a lot to like about Oak View Law Group, and if your debts have become unmanageable, it may be the right firm for you.
Cambridge Credit Counseling is a nonprofit agency founded in 1996 and based in Agawam, Massachusetts. It is a member of the NFCC and the FCAA, HUD approved for housing counseling, ISO 9001 registered, and listed by the Justice Department as approved to deliver pre bankruptcy counseling. What makes it unusual among the agencies I have reviewed is the fee: Cambridge does not publish a flat rate. It sets your fee against what your household can afford, inside whatever ceiling your state allows.
4-5YEARS
That is how long a debt management plan ties up your budget
Worth knowing whether it is the right tool before you commit to it. Our quiz takes two minutes and asks the three questions that decide it.
Massachusetts, Connecticut, New York, Missouri, Kansas
The fee is means tested, which is a double edged thing
Cambridge is explicit that two clients with identical debts can pay different fees, because the fee is set against what the household can carry and capped by state rule. I respect the honesty of saying that out loud. Most agencies quote an average and let you discover the variance later.
The practical consequence is that you cannot price this agency before you call it. You can only bound it. The reported figures are a $40 average setup fee against a $75 ceiling, and a $30 average monthly fee against a $50 ceiling.
Over a four year plan the difference between being quoted the average and being quoted the ceiling is roughly $1,000. That is the number to have in your head when you ask what your fee will be, because it is the one question the website cannot answer for you.
Ask for your fee in writing on the first call. If the counselor quotes the top of the range, ask directly what would move it down, because hardship reductions exist at most agencies and are almost never volunteered.
One point of perspective. Even at the ceiling, roughly $2,500 over four years is small next to the interest a plan removes. If a plan takes a $25,000 balance from 24 percent down to single digits, the saving dwarfs the fee. Fees matter, but they are the second question, not the first. Our guide to what credit counseling services actually cost works through that comparison in full.
The ratings gap you will run into
This is where a Cambridge search gets confusing, and it is worth explaining rather than papering over.
Platform
Score
Reviews
How I read it
ConsumerAffairs
★★★★★ 5.0 / 5
2,668
Large volume, but a flawless average across thousands of reviews is rare anywhere.
Better Business Bureau
★★★★☆ 3.83 / 5
6
Only six reviews. Too small to carry weight either way.
BBB rating
A+, accredited
n/a
Reflects complaint handling, which is a genuine positive.
After two decades of reading these platforms I have stopped treating a perfect score as the good news it looks like. ConsumerAffairs discloses in its own footer that companies may pay to be listed as Authorized, and solicited reviews skew upward everywhere, not only there. A 5.0 across 2,668 reviews tells me the agency collects feedback systematically. It does not tell me nobody has ever had a bad experience.
The BBB number has the opposite problem. Six reviews is noise. One unhappy person swings it half a point. Neither figure is a lie, and neither one on its own should decide anything for you.
What I weight instead: how long the agency has operated, whether it holds approvals that can be independently checked, and whether its complaint record is clean. On all three Cambridge does well. Thirty years, multiple verifiable approvals, an A+ grade.
Counseling is free. Committing to a plan is not.
Before you book the call, it helps to know which direction your numbers point:
Accounts current and the rate is the problem, counseling fits
Accounts months behind, counseling usually cannot help
No realistic surplus at all, the conversation is a different one
Thirty years operating under one name, with approvals you can verify yourself
You cannot find out your fee without speaking to them
Fees scale to what the household can afford rather than a flat rate
Monthly ceiling of $50 is higher than the cheapest agencies charge
HUD approved housing counseling, plus foreclosure work in five named states
Headline 5.0 rating sits on a platform where companies can pay for placement
Free initial assessment with no obligation to enroll
Thin independent review volume outside its own preferred platform
Where Cambridge is genuinely useful: housing
Most credit counseling agencies treat housing as a sideline. Cambridge is HUD approved to deliver housing counseling nationwide, and it names Massachusetts, Connecticut, New York, Missouri and Kansas for foreclosure intervention and mortgage default work specifically.
If your card debt grew because your mortgage payment got ahead of you, that combination matters more than a few dollars of monthly fee. A counselor who can look at both sides of the balance sheet in one appointment is worth seeking out.
Cambridge against the cheapest agency I have reviewed
The most useful comparison is with American Consumer Credit Counseling, which publishes a flat rate instead of means testing. Here is what a four year plan costs under each, for a household with four enrolled accounts.
Cambridge
ACCC
Setup fee
$40 average, $75 max
$39 flat
Monthly fee, four accounts
$30 average, $50 max
$28
Total over 48 months
About $1,480, up to $2,475
About $1,383
Can you price it before calling?
No
Yes
On those assumptions ACCC comes out roughly $100 cheaper over the life of the plan, and considerably cheaper for anyone enrolling only two or three accounts. Cambridge can close that gap or beat it for a household whose income pulls the means tested fee down, which is exactly the case its model is built for.
A hundred dollars spread over four years should not be the deciding factor. The quality of the counseling call, and whether housing is part of your picture, matter more.
How Cambridge sits against the alternatives
Every nonprofit agency runs roughly the same product. The differences that actually show up in your bank account are the fee level, whether the agency can handle anything beyond cards, and whether the counselor will tell you a plan is wrong for you.
Against Trinity Debt Management: similar nonprofit model with a faith based framing. Choose on fee and on how the counselor handles your call.
Against Take Charge America: both are long established NFCC members. Take Charge America has been operating since 1987 and carries far more independent review volume.
Against the settlement industry: a different product entirely, for people already behind. Our ranked list of debt relief companies covers that side, and the debt relief hub explains which camp you belong in.
When a Cambridge plan is the wrong answer
Your accounts are already charged off. Rate concessions come from card issuers, and they do not offer them on debt they have written off.
Your surplus is zero. A plan needs a payment it can live on. If there is nothing left after essentials, the honest answer is a different one.
The problem is spending, not interest. A plan will not survive if the balance keeps growing. Fix the inflow first, which is what getting spending under control is about.
You are in a state with its own programmes. Several states run their own assistance routes worth checking alongside a national agency, as our Ohio debt relief programmes page shows.
Ask for the fee in writing, including whether a reduction applies to your household.
Ask which of your creditors has actually agreed to a concession, and at what rate.
The free first step I point almost everyone to is the National Foundation for Credit Counseling, which Cambridge belongs to. A counseling conversation costs nothing, leaves no mark on your credit file, and there is no downside to having it even if you walk away afterwards. You can reach an NFCC counselor here.
My verdict
Cambridge is a credible, long running nonprofit with real approvals behind it and an unusually sensible attitude to fees. If your situation involves a mortgage as well as cards, its housing counseling makes it a stronger fit than most of its peers.
Two things keep it from being my first recommendation. The fee is unknowable until you call, and the headline rating rests on a platform with a commercial relationship to the companies it lists. Neither is disqualifying. Both are reasons to ask harder questions on the call than the marketing invites.
Work out your route before you book the call
Counseling, consolidation and settlement solve different problems, and picking the wrong one costs years. Two minutes, no email, and you will walk into the conversation knowing what you are asking for.
Yes. Cambridge Credit Counseling is a nonprofit agency founded in 1996 in Agawam, Massachusetts. It is accredited by the Better Business Bureau with an A+ rating, a member of the NFCC and the FCAA, approved by HUD for housing counseling, ISO 9001 registered, and listed by the Department of Justice as approved to provide pre bankruptcy counseling.
How much does Cambridge Credit Counseling charge?
The initial assessment is free. For a debt management plan the reported setup fee averages $40 with a $75 maximum, and the monthly fee averages $30 with a $50 maximum. Cambridge sets fees against what your household can afford within your state’s legal ceiling, so two clients with the same debts can be quoted different amounts.
Why can Cambridge not tell me my fee upfront?
Because the fee is means tested. It depends on your income, your expenses and the maximum your state allows an agency to charge. The agency states this openly. The practical answer is to ask for your specific fee in writing during the first call and to ask what would reduce it.
Why does Cambridge have 5 stars on one site and 3.83 on another?
Volume and collection method. The 5.0 comes from 2,668 ConsumerAffairs reviews, a platform where companies can pay to be listed as Authorized and where feedback is actively solicited. The 3.83 comes from just six BBB reviews, which is far too small a sample to mean much. Neither number should decide this on its own.
Does Cambridge Credit Counseling help with mortgages?
Yes. It is HUD approved to deliver housing counseling nationwide and names Massachusetts, Connecticut, New York, Missouri and Kansas for foreclosure intervention and mortgage default counseling. That is a wider housing remit than most credit counseling agencies carry.
Will a debt management plan show on my credit report?
Some creditors note that an account is being paid through a plan. That notation is not itself a negative score factor. The real effect comes from the accounts being closed, which lowers your available credit in the short term, offset over time by falling balances and a clean payment record.
How long has Cambridge Credit Counseling been in business?
Since 1996, which is about thirty years under the same name. Longevity is one of the few quality signals in this industry that cannot be manufactured, and it is worth more than a nonprofit label on its own.
Can Cambridge settle my debts for less than I owe?
No. A debt management plan repays the full balance at a reduced interest rate. Settling for less than the full balance is a different product with different consequences for your credit file and a possible tax bill on the forgiven amount.
Is the first appointment really free?
Yes. The initial financial assessment carries no fee and no obligation to enroll. Any agency that asks for payment before it has reviewed your budget is one to walk away from.
I have been writing about debt relief since the early 2000s, and American Consumer Credit Counseling is one of the handful of agencies that has been doing the same thing under the same name that entire time. ACCC is a nonprofit credit counseling agency founded in 1991 and run out of Auburndale, just outside Boston. The counseling session itself is free. The fees sit on the debt management plan, and they are genuinely low: $39 to enroll and $7 per account each month, capped at $70.
Not sure a debt management plan is even the right tool?
Counseling suits some situations and is the wrong answer for others. Three questions sort it out:
Is your problem the interest rate, or the balance itself?
Are your accounts current, or already charged off?
Can your budget carry a fixed payment for four or five years?
130 Rumford Avenue, Suite 202, Auburndale, Massachusetts
Free counseling session
Yes, by phone or online, in English and Spanish
Debt management plan setup
$39 one time
Debt management plan monthly
$7 per account, $70 maximum, $26 stated average
Memberships and approvals
NFCC member, BBB accredited, Council on Accreditation, HUD approved housing counseling
Bankruptcy counseling
Listed on the Department of Justice approved agency roster
What is actually free and what you pay for
This is the distinction that trips up most readers, and it is not specific to ACCC. Credit counseling and a debt management plan are two different products that happen to be sold by the same organisation.
The counseling appointment is a budget review. A certified counselor goes through your income, your bills and your balances, and tells you what your realistic options are. That costs nothing and carries no obligation. I have covered this split in more detail in our guide to credit counseling services and what they really cost.
The debt management plan is the paid product. You make one payment to ACCC each month, ACCC distributes it to your creditors, and in exchange most card issuers drop your rate to somewhere in the single digits and stop the late fees. That rate concession is the whole point. The plan does not reduce what you owe.
ACCC’s fees, in plain numbers
ACCC publishes a $39 one time enrollment fee and a monthly fee of $7 per enrolled account, with a hard ceiling of $70 a month. The agency separately states an average monthly fee of $26, which implies the typical client enrolls about four accounts.
The per account model cuts both ways. A reader with three cards pays $21 a month, while someone with nine pays $63. The $70 ceiling only bites above ten accounts, which is a situation very few people are in.
Three things worth knowing about those numbers. First, ACCC says fees can be reduced or waived by state rule, for financial hardship, or for active duty military. Ask. Agencies rarely volunteer it.
Second, the fee page carries a mid 2025 update stamp and says fees are subject to change, so confirm the current figure on your call rather than quoting mine back to the counselor.
Third, and this is the part people miss: the fee is nearly irrelevant next to the interest saving. If a plan drops a $20,000 balance from 24 percent to 8 percent, you are saving several hundred dollars a month in interest. A $26 fee against that is noise. I walk through the arithmetic on a balance that size in how to pay off $20,000 in credit card debt.
What the review platforms say, and which numbers to trust
Platform
Score
Reviews
What it tells you
Better Business Bureau
★★★★★ 4.98 / 5
1,927
A real sample. This is the number that counts.
BBB rating
A+, accredited
n/a
Letter grades measure complaint handling, not service quality.
Trustpilot
★★★☆☆ 3.6 / 5
3
Three reviews is not a sample. Ignore this score.
Nearly 2,000 BBB reviews averaging 4.98 is an unusually strong record for this industry, and I do not say that lightly. The Trustpilot profile is unclaimed and has three reviews on it, which is why a 3.6 appears in search results next to the 4.98. One of those numbers is signal and the other is rounding error.
One small thing I noticed while checking: ACCC’s own reviews page still describes the agency as having 22 years in business, which does not square with a 1991 founding. It is a stale page rather than a red flag, but it is a reminder to verify dates and fees on the call rather than from site copy.
A free counseling call is not the same as enrolling
If your accounts are current and the interest rate is what is sinking you, counseling is the right first call. If your accounts are already months behind, it probably is not. Our quiz tells you which camp you are in before you pick up the phone.
Fees are at the low end of the industry, and the $70 ceiling is real
A plan locks you into a fixed payment for four to five years
Nearly 2,000 BBB reviews at 4.98, which very few agencies can match
Card accounts on the plan are closed, which shortens your available credit
On the Justice Department’s approved list, so it can handle pre bankruptcy counseling
Creditor concessions are set by the card issuer, not by ACCC
Counseling and housing counseling both offered, in English and Spanish
Site copy carries dated figures, so verify fees on the call
How ACCC compares with the other agencies we have reviewed
Nonprofit status tells you almost nothing on its own. Every agency in this table is a nonprofit. What separates them is fee level, how long they have been operating, and how much verifiable review volume sits behind the score.
ACCC is one of the few that publishes a flat, checkable number rather than pointing you at a state table. Most of the others, Cambridge included, set the fee against what your household can carry, which is defensible but means you cannot price them before you call. That transparency is worth something before you have even spoken to anyone.
When ACCC is the wrong call
A debt management plan fixes an interest rate problem. It does not fix a balance problem, and it cannot help at all with debt that card issuers no longer hold.
Your accounts are already charged off or sold to collectors. Issuers do not offer rate concessions on debt they have written off.
How to verify any credit counseling agency in five minutes
This is the part I wish more people did, because it takes less time than reading a review like this one. The first time I mystery shopped a counseling agency, years ago, the counselor spent forty minutes on a budget and never once mentioned enrolling in anything. That is still the test I apply to all of them.
Ask for the fee in writing before enrolling, including whether a hardship waiver applies to you.
Confirm the agency is licensed to operate in your state. Requirements vary and several states cap what can be charged.
The National Foundation for Credit Counseling is the other free first step worth knowing about. ACCC is a member. Speaking to an NFCC counselor costs nothing, does not touch your credit score, and there is no downside to the conversation even if you decide against a plan afterwards. If you would rather be pointed straight at a counselor, you can reach the NFCC here.
What actually happens on the first call
People put this call off for months because they imagine a sales pitch. In my experience with the reputable agencies it is closer to a tax appointment, and it follows the same shape almost everywhere.
Income and expenses. The counselor builds a monthly budget with you. Have your pay stubs, rent or mortgage, utilities and minimum payments to hand or you will be doing this twice.
Debts listed out. Every balance, every rate, every creditor. Pull a free credit report first so nothing gets missed.
The surplus calculation. Income minus essential expenses is what can go toward debt. This single number decides whether a plan is viable.
Options, not an offer. A good counselor will name self repayment, a plan, settlement and bankruptcy, and tell you which fits. If a plan is the only option you hear, that is a signal.
Paperwork, only if you want it. Nothing is binding on the call. You should leave with a written proposal showing the payment, the fee and the payoff date.
Three questions worth asking before you enroll
What rate has each of my creditors actually agreed to? Concessions are set by the card issuer and vary. A projected payoff date built on assumed rates is a guess.
What is my fee, in writing, and does a hardship waiver apply? ACCC publishes $7 per account with a $70 ceiling, so you can check what you are quoted against that.
What happens if I miss a payment? Creditors can withdraw the concession. Find out how many missed payments it takes before that happens.
My verdict
ACCC is a legitimate, long established nonprofit with the cheapest published fee structure of any agency I have looked at this year, and a review record that very few competitors can match on volume. If a debt management plan is the right tool for your situation, this is a reasonable place to start the conversation.
The caveat is not about ACCC. It is that a plan is the right tool far less often than the industry implies. Get the free session, get the numbers, and only then decide. If you want a sanity check on the broader picture first, how I worked through six figures of card debt covers what actually moved the needle.
Before you call anyone
Find out whether counseling, consolidation or settlement fits your numbers
Two minutes, no email required, and it will tell you which of the three routes your situation actually points to. Walking into a counseling call already knowing the answer changes the conversation.
Yes. ACCC is a nonprofit credit counseling agency founded in 1991, accredited by the Better Business Bureau with an A+ rating, a member of the National Foundation for Credit Counseling, and listed on the Department of Justice roster of agencies approved to provide pre bankruptcy counseling. It holds close to 2,000 BBB customer reviews averaging 4.98 out of 5.
How much does ACCC charge?
The counseling session is free. A debt management plan costs a one time enrollment fee of $39 plus $7 per enrolled account each month, capped at $70 a month. ACCC states an average monthly fee of $26. Fees may be reduced or waived depending on your state, for financial hardship, or for active duty military.
Does a debt management plan hurt your credit score?
Enrolling is not itself a negative mark. The practical effect comes from the card accounts being closed, which reduces your available credit and can raise your utilisation ratio in the short term. Most people see the score recover and then improve as balances fall and payments land on time every month.
How long does an ACCC debt management plan take?
Most plans run between three and five years. The length depends on your total balance and what monthly payment your budget supports, not on the agency. If a counselor quotes you a far shorter timeline than that, ask them to show you the arithmetic.
Is credit counseling the same as debt settlement?
No, and the difference matters. Credit counseling arranges a lower interest rate and you repay the full balance. Debt settlement attempts to get creditors to accept less than the full balance, which damages your credit and can create a taxable event. Counseling suits people whose accounts are current. Settlement is aimed at people who are already behind.
Can ACCC help with medical, tax or student loan debt?
A debt management plan is built around unsecured credit card debt. ACCC offers counseling on broader budgeting and housing issues, and it is HUD approved for housing counseling, but tax debt and federal student loans have their own programmes and are not resolved through a card focused plan.
Why does ACCC show 4.98 stars on the BBB but 3.6 on Trustpilot?
Sample size. The BBB figure comes from 1,927 reviews. The Trustpilot figure comes from three, on an unclaimed profile. A score built on three reviews moves a full point if one person posts. Weight the BBB number and disregard the other.
Does ACCC charge for the first appointment?
No. The initial counseling session is free and carries no obligation to enroll in anything. If an agency asks for payment before it has reviewed your budget, that is a reason to hang up.
Is ACCC available in every state?
ACCC delivers counseling by telephone and online nationwide, in English and Spanish, and appears on the Justice Department approved list for that delivery. State rules do affect what fees can be charged, so the figure you are quoted may differ from the published average.
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 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)
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
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:
Source
Rating
Detail
Better Business Bureau
★★★★★ A+
Accredited business since 1994. Re-checked October 2026.
Trustpilot
★★★★★ 4.7/5
1,845 reviews, 93 percent rated five star. Re-checked October 2026.
Google Reviews
★★★★★ 4.6/5
Carried forward from our previous review.
ConsumerAffairs
★★★★★ 4.5/5
Carried forward from our previous review.
Investopedia
★★★★★ 4.3/5
Carried forward from our previous review.
Accreditations
NFCC member, FCAA member, Council on Accreditation audited, HUD approved for housing counseling.
For context on what those accreditations actually mean and how the fee structures compare across agencies, see our guide to credit counseling services.
Pros and cons
👍 Pros
👎 Cons
👍 Running since 1987, BBB accredited since 1994
👍 First counseling session is free with no obligation
👍 Carries NFCC, FCAA and Council on Accreditation credentials
👍 Housing, student loan and pre-bankruptcy counseling in house
👍 Strong independent review scores across several platforms
👎 No published national fee schedule, so costs are quoted at enrollment
👎 A plan reduces interest, not the principal you owe
👎 Enrolled credit cards have to be closed
👎 Three to five year commitment, which is a long time to stay consistent
👎 Not a fit if your balances are beyond what any interest cut can fix
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.
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.
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.
Comparing before you commit? Beyond Finance and Accredited Debt Relief are the two highest rated providers in our rankings, and both quote you for free.
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.
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
Reviews
Notes
Trustpilot
★★★★★4.7
17,390
Verified on Trustpilot, Aug 2026
BBB
★★★★★4.72
4,800+
A+, accredited since Nov 2015
Google
★★★★★4.6
3,200+
Per Americor
Combined
★★★★★4.69
25,000+
Read that 4.7 with the context Trustpilot itself provides. Americor runs a claimed profile on a paid Trustpilot subscription and actively invites customers to review, which Trustpilot discloses on the page. The distribution is 90% five-star and 3% one-star. To their credit they have replied to 98% of negative reviews, typically within 48 hours. A solicited 4.7 is not a fake 4.7, but it is not the same thing as 17,390 people turning up unprompted.
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:
Credit Card Debt
Medical Bills
Personal Loans
Collections & Charge-Offs
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.
Before you sign anything with Americor, get a second quote from Accredited Debt Relief. Same process, and no fees until a debt is actually settled.
🔑 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.
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.
Does using Americor hurt your credit?
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.
Does Mario Lopez really support Americor?
Yes. Americor announced Mario Lopez of Access Hollywood as a spokesperson on 10 October 2025, and their CEO David Norris described his “trusted reputation and authentic connection with families” in the announcement. Lopez also fronts American Relief Organization, which is powered by Americor. A celebrity endorsement is a paid marketing arrangement, not an independent assessment of the product, so weigh it the same way you would weigh any advertisement. Judge the company on its fees, its complaint record and its licensing instead.
Is it a good idea to use a debt relief program?
It depends on your situation. Debt settlement can make sense if you are already behind on unsecured debt, cannot realistically repay it within five years, and can fund a settlement account each month. It is usually the wrong move if you can clear the balance through a consolidation loan at a reasonable rate, a nonprofit debt management plan, or your own payoff plan, because settlement damages your credit and any forgiven balance may be taxable. Take a free comparison of your options before you enrol with anyone.
What do negative Americor reviews actually complain about?
The recurring themes in critical reviews and forum threads are confusion between the debt settlement programme and the separate consolidation loan product, collection calls and lawsuits continuing during the programme, and the gap between what a first sales call promises and how the programme feels a year in. Note also that a large share of Americor five-star ratings come from people who have just completed their first phone call rather than people who finished the programme. Read reviews from graduates rather than new enrollees.
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