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However, the resources a settlement company provides its clients can go a long way toward successfully completing the program.

Freedom Debt Relief has the best customer service of the debt consolidation firms we reviewed.

If you opt for a debt consolidation loan then you won’t need to pay fees.

National Debt Relief got high marks in all these areas.

Debt consolidation programs, also known as debt settlement plans, have standardized costs and eligibility requirements.

VIEW DEAL ON National Debt Relief If you have a bad credit score then the APR will be likely much higher, and you may not even qualify for a debt consolidation loan.

If that is the case you can look to improve your score using a credit repair service or read our guide to the best debt settlement companies.

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