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2026 Guide

Debt Relief

Carrying $10,000 or more in credit card debt? Fold several bills into one monthly payment. Compare trusted providers below.

See If I Qualify

Compare debt relief providers

Sponsored partners. Debt settlement, not a loan or credit counseling.

Top Pick for High-Balance Debt
National Debt Relief
One monthly payment instead of several card bills.
Free consultation 24 to 48 month goal $10,000+ in debt
Read our full National Debt Relief review
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Lower Monthly Payment
Americor Debt Relief
Several card balances, one lower monthly payment.
Free consultation No upfront fees 24 to 48 month goal
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Debt settlement. Not a loan, credit counseling, tax advice, or bankruptcy. See the full program disclosure below.

How debt relief works

1. Free consultation

A specialist reviews your debt at no cost, with no obligation to enroll.

2. One monthly payment

You set aside a single monthly payment into a program account instead of paying each creditor separately.

3. They negotiate

Their team works with your creditors to settle enrolled debts for less than the full balance.

4. Become debt-free

As debts settle, you move toward being debt-free, with a program goal of 24 to 48 months.

One Monthly Payment, One Clear Plan

See if you qualify for a debt relief program. Free consultation, no obligation.

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*Sponsored. TrueRateGuide may earn a referral fee if you enroll through links on this page. This does not affect our editorial assessment. “Debt-Free” applies only to enrolled credit cards, personal loans, and medical bills. Not mortgages, car loans, or other debts. Clients who are able to stay with the program and get all their debt settled realize approximate savings of 45% before fees, or 20% including National Debt Relief’s fees, over 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete the program for various reasons, including their ability to save sufficient funds. Debt settlement may involve fees, and creditors may continue collection activity. This is not credit counseling, a loan, tax advice, or bankruptcy. Read all program terms before enrolling. Results vary.