At the core of our client relationships is one simple factor: trust. We know that fostering trust is vital. And it starts by doing more listening than talking. As effective listeners, we can better identify our clients’ goals and concerns, then develop debt relief solutions tailored to each client’s unique situation.

Our commitment to customer care leads the industry. We do what we say we’re going to do, and always act in our client’s best interest. Consumer Credit Counseling is proud to be the most respected provider of debt relief services in the country. We’re A+-rated and fully accredited with the Better Business Bureau (BBB). And we’re proud to be the top-rated Debt Settlement Company by our clients — with tens of thousands of reviews and testimonials that include:

• Recognized by Forbes Advisor as the top debt relief company for 2026 following a review of customer experience, fees, services, and digital tools.
• 58,550+ reviews on ConsumerAffairs with a 4.9 out of 5.00 rating
• 43,430+ reviews on TrustPilot with a 4.7 out of 5 rating

Our track record speaks for itself. We help thousands of new clients a month start their path to debt relief – and we are one of the largest debt relief companies since 2009 with over $20 billion in debt settled. We take tremendous pride in our industry leadership. We’re active, accredited members of the Association for Consumer Debt Relief (ACDR), as well as Platinum Accredited through the IAPDA (International Association of Professional Debt Arbitrators).

We deliver results, and we deliver them the right way.

Our clients have access to a wide network of partners including options for debt consolidation loans, credit counselling services, bankruptcy referrals, and more. Our team of debt relief experts will review your unique situation and offer solutions based on your situation, your location, and your goals.

Our program is easy to understand. Rather than paying your creditors, you’ll deposit a monthly payment to a Dedicated Savings Account, in your name and under your control. As funds build up, we’ll contact your creditors to negotiate and agree upon reduced balances. (Because you’re no longer paying the creditor, they will likely view getting a reduced amount as better than risking no payment at all.) Then, you’ll authorize us to use the funds in your Dedicated Savings Account to pay your creditors the lower, negotiated amounts. As accounts are paid off, they should be reported back as a zero balance.

Consumer Credit Counseling goes way beyond making sure you can afford us – we take the time to review your budget to make sure the solution we suggest will actually help take the pressure off. And, because you can customize your deposit schedule, it’s easier to feel in control throughout the process.

Consumer Credit Counseling does charge a fee for our service. And, unlike other programs with hardship solutions, our fee is entirely performance-based. We earn nothing for our work until we’ve achieved the results you want, and you feel great about the savings.

Our fees vary by state and the amount of your debt (up to 25% of your enrolled debt). Compared to the thousands of dollars in interest you may pay on credit cards while struggling to pay them off, you can still expect to see an impressive amount of savings with Consumer Credit Counseling.

While every program differs, here’s an example from a recent client:

“Mary” came to Consumer Credit Counseling owing $22,800 between credit cards and a personal loan and was paying a little over $1020/month. Having recently transitioned to a fixed income, her focus was reducing the payment and getting rid of the debt. She set up a $362/month deposit for an estimated 48 months (4 years) to become debt-free.

Based on Consumer Credit Counseling’s plan “Mary’s” debt could be resolved for about $17,300 instead of an estimated $63,434 based on minimum payments.