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Debt Relief Programs 2025

Sarah Edwards | March 27, 2025

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

Guides on how to resolve debt with every debt collector

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

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Settle your medical debt

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

Guides on 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.

Stop calls from debt collectors

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.

Federal debt collection laws can protect you

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.

Get debt relief in your state

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 collection laws in all 50 states

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 state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

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

How to stop wage garnishment in your state

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 all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

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.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.


"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather



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