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Debt Relief Programs 2026

Sarah Edwards | January 07, 2026

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: A debt relief program can help you negotiate a payment plan or even reduce your debt. These are the best debt relief programs of 2024. As always, you can turn to SoloSuit for assistance with debt settlement or debt lawsuits.

Are you tired of living paycheck to paycheck? It could be that you’re drowning in debt. At the close of 2023, total credit card debt in the U.S. reached a jaw-dropping $1.08 trillion. If this sounds hauntingly familiar, a debt relief program may be the way to go.

Third-party organizations offer debt relief programs to help consumers negotiate with their creditors. The organization may secure a payment plan or even reduce the amount of your outstanding debt.

Below are five of the best debt relief programs of 2024.

Otherwise, you can settle debt yourself with the help of SoloSettle.

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1. National Debt Relief

Those who choose National Debt Relief can save an average of 23% to 25% on their total debt. That doesn’t just include credit cards. The company also provides services for medical debt, personal loans, and other forms of consumer debt.

Advantages of National Debt Relief

Should you opt for National Debt Relief, you can expect the following:

  • Options to negotiate multiple types of debt.
  • Plans that can be customized to fit your budget.
  • Monthly plans that span from 24 to 48 months.
  • A library of educational resources.

National Debt Relief publicizes its customer stories for full transparency. Some users report having debts as high as $60,000 before receiving help.

Disadvantages of National Debt Relief

Despite these advantages, users should be aware of the following drawbacks to National Debt Relief:

  • You must have a minimum debt of $7,500.
  • You must demonstrate financial hardship.
  • The company does not help with past-due taxes.

Still, the company’s transparency is refreshing, and it has helped many people who struggle to get out of various forms of debt.

2. Freedom Debt Relief

The company’s name alone might spark confidence. Freedom Debt Relief offers debt relief programs typically lasting 24 to 48 months, and clients won’t pay a dime until the debt has been settled.

Advantages of Freedom Debt Relief

Freedom Debt Relief offers clients a range of benefits, including:

  • No fees until the debt is settled.
  • Personalized guidance throughout the program.
  • An experienced team and highly rated customer service.
  • A team of negotiators who can reduce your total debt.

The company’s strongest selling point lies in its customer service. You’ll receive personalized support throughout your journey from a team that has helped nearly 800,000 clients.

Disadvantages of Freedom Debt Relief

Before you contact Freedom Debt Relief, consider the following:

  • You need a minimum debt of $7,500.
  • The company was sued by the Consumer Financial Protection Board.
  • There is little transparency about what you’ll save in the program.

Despite these concerns, Freedom Debt Relief may still be a solid option, thanks to the company’s reputation for customer support.

3. Credit.org

Formerly known as Springboard Nonprofit Consumer Credit Management, Credit.org has a 45-year history of helping consumers with a variety of financial challenges — including debt resolution.

Advantages of Credit.org

Credit.org certainly offers advantages:

  • Most core services are free.
  • The organization has an A+ rating with the BBB.
  • It offers a variety of services and educational content.
  • It has a strong reputation and history.

Because Credit.org is funded by donations and grants, you won’t pay anything for its core services. You can receive a credit consultation for free.

Disadvantages of Credit.org

Before you jump at the word “free,” be aware that it only applies to certain core services. There are some disadvantages to using Credit.org:

  • The cost structure may depend on additional factors, including location.
  • Some debt management plans require additional fees.
  • The organization offers limited transparency about actual costs.

Consumers may still find that Credit.org offers a range of services that help with budgeting and financial literacy.

4. CuraDebt

Unlike other companies on this list, CuraDebt also provides assistance with back taxes and IRS debts. This makes CuraDebt a solid choice for those who can’t receive this type of assistance from competing agencies.

Advantages of CuraDebt

By working with CuraDebt, you’ll receive the following benefits:

  • Support for back taxes and IRS debts.
  • Help with a full range of consumer debts.
  • Solid customer service with online chat options.
  • Support if you have at least $5,000 in debt.

Consumers who have been unable to meet the minimum debt requirements of other companies or owe back taxes might find niche support from CuraDebt.

Disadvantages of CuraDebt

On the other hand, CuraDebt has some drawbacks:

  • Lack of transparency about its programs.
  • Limited online resources.

Still, if you’re facing a complex debt situation, CuraDebt may be a helpful option.

5. Reach Financial

You may know Reach Financial by its former name, Liberty Lending. The company offers debt consolidation loans with payouts in as little as 24 hours.

Advantages of Reach Financial

The best reasons to use Reach Financial include:

  • Debt minimum of just $3,500.
  • No prepayment penalties.
  • Simple online application process.

The company’s simple approach may benefit those looking to get out of debt as quickly as possible.

Disadvantages of Reach Financial

Reach Financial has only recently gotten involved in the debt relief game. As such, consumers can expect some drawbacks:

  • Limited transparency about services and fees.
  • Potentially higher interest rates than competitors.
  • Little to no other service offerings.

In time, the company may expand its services. For now, it offers a straightforward loan application process aimed at debt relief.

Settle debt yourself with SoloSettle

You can also negotiate your own debt settlement. SoloSettle makes it easier by:

  • Having a legal defense built in.
  • Not requiring payments until you reach a debt settlement agreement.
  • Helping you settle a debt of any size (no minimum debt requirements).
  • Keeping you updated throughout the process.

SoloSettle makes a solid choice for debt relief.

Let’s look at an example.

Example: Claire has been struggling with debt, but most debt relief companies turned her away since she “only” owes $6,500. So she turned to SoloSettle. She used SoloSettle to negotiate a payment plan with her creditors and even reduced the total debt she owed.

Start your journey with SoloSettle today.

Watch the following video to learn more about how to settle a debt on your own:

What to do if facing a lawsuit

What happens if you’re facing an actual lawsuit over past debt? SoloSuit can help you prepare a legal Answer, asserting your defense with your creditor and with the court.

Learn how to respond to a debt lawsuit with SoloSuit in minutes.

What is Solo?

Solo makes it easy to resolve debt with debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt. SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

SoloSettle can help you contact your debt collector or creditor and negotiate the debt to settle for less, all online. It simplifies and streamlines the process to settling your debt.

No matter where you find yourself in the debt collection process, Solo is here to help you resolve your debt.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Debt collector guides

Are you being contacted by a debt collector? We’re making guides on how to resolve debt with each one.

Arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Bankruptcy

Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

Check your case status

Don’t have time to go to your local courthouse to check the status of your case? We’ve created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

Credit

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt, along with other credit-related resources.

Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.

Debt relief

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt settlement

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

Eviction

Facing an eviction? The following guides will help you navigate your situation with confidence.

Federal debt collection laws

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Legal aid

Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.

Medical debt

Having a health challenge is stressful, but dealing with medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

State debt collection laws

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

Other debt resources


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