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Our pick for the best debt settlement company is National Debt Relief.

Based on our research and experience speaking with its representatives, this settlement company can reduce debt by up to 49 percent and has fees within the normal range of 15 to 20 percent.

It’s likely that because you stop making payments, you’ll be assessed late fees and penalty interest rates.

In our interviews with debt settlement companies, they assured us that your monthly payment accounts for penalty rates and late fees.

By entering a debt settlement program, you agree to have the debt settlement company negotiate with creditors on your behalf.

As part of this program, you’ll stop making payments to your creditors and begin making one monthly payment into an account set up by the settlement company.

I also agree to communication by phone, email or sms regardless of prior preferences from or its clients in order to provide me with debt consolidation, debt settlement or other products or services at the telephone number I provided. Are you struggling with debt or suffering a financial hardship?

Our experts can help you resolve your debts for less than you owe. The debt management experts of National Debt Relief Program will educate you on all of the options available to you to get out of debt as quickly as possible.

Before entering a debt settlement program, you’ll want to weigh some of the drawbacks and advantages.

Pros: The fee you pay a debt relief company is a percentage of the debt you want it to settle for you.

We spent another 20 hours interviewing these debt relief companies and conducting secret-shopper-style customer calls.

All of the companies we included are transparent and upfront with customers about the risks associated with these programs and follow FTC regulations that prohibit advance fees.

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