Freedom Debt Relief, founded in 2002 and based in California, is one of the largest U.S. debt resolution firms. It has served over 1 million clients and settled more than $20 billion in unsecured debt. The company negotiates reduced settlements on unsecured debts like credit cards, medical bills, personal loans, private student loans (case-by-case), collections, lines of credit, repossessions, and some payday loans. Not eligible for settlement are secured debts (like mortgages, auto loans), taxes, utility bills, lawsuits, and federal student loans.

Accredited Debt Relief is a provider of debt consolidation services in the U.S. It has helped over 700,000 clients achieve financial freedom. The company is BBB-accredited with an A+ rating and is a member of the International Association of Professional Debt Arbitrators (IAPDA) and the Association for Consumer Debt Relief (ACDR).

The J.G. Wentworth Company, established in 1991, is a U.S.–based financial services firm providing debt relief, structured settlement purchases, annuity purchases, and lottery payment purchases. Its Debt Relief Program, accessed mainly via its website, targets consumers with unsecured debt—such as credit cards, personal loans, medical bills, and some private student loans—typically requiring a minimum of $10,000. The company has maintained a strong reputation: over 30 years in service, an A+ rating from the Better Business Bureau, a 4‑star rating on Consumer Affairs, and a 4.8 on Trustpilot.

Established in 2009 and based in New York City, National Debt Relief is one of the largest and most established debt settlement firms in the United States. It has supported over 600,000 clients in managing unsecured debts through strategic negotiation. The company is BBB A+ rated, licensed by the DFPI, and employs IAPDA-certified debt arbitrators. Its approach focuses on negotiating with creditors to reduce the total amount owed rather than issuing loans or suggesting bankruptcy. Clients make consistent monthly contributions to a dedicated, FDIC-insured account, which is used to pay creditors after settlements are reached. The fee structure is results-based; clients are only charged a percentage of the enrolled debt (up to 25%) once a settlement is finalized and a payment is made.

ClearOne Advantage helps clients settle unsecured debt by negotiating with creditors for reduced balances. Unlike traditional consolidation loans, clients make monthly deposits into an escrow account, and payments are only made once a settlement is accepted. The company has served over 170,000 customers and resolved $3 billion in debt. It holds an A+ rating from the BBB and is accredited by IAPDA and AADR.

Founded in 1996, LendingTree is a publicly traded fintech company headquartered in Charlotte, North Carolina. It operates as an online lending marketplace, connecting borrowers with a network of over 300+ lenders across the U.S. Rather than issuing funds, LendingTree enables comparison shopping; submitting a single application yields multiple offers from competing lenders, which can help borrowers secure more favorable terms. LendingTree's debt consolidation services are especially popular. In early 2025, nearly 49% of U.S. borrowers on its platform used a personal loan to consolidate debt. The platform’s USP lies in its combination of convenience, one application, many offers, and educational support, including budgeting tools, credit monitoring, and rate calculators.