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Best Debt Consolidation Programs Online

Best Debt Consolidation Programs Online

*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated May 24, 2013, but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.

As we mentioned earlier this week we wanted to bring you the top debt relief programs on the market based on their BBB rating, track record and company website. TopConsumerReviews.com performed an analysis of the top 10 debt relief programs available today. These programs were evaluated on multiple factors including what solutions they provide and how many options are available, the cost of their services, and dependability- have they received a good BBB rating, are customers happy, etc.  The top 10 on that list in order include:

  1. National Debt Relief
  2. Curadebt (tied with National Debt Relief for 1st)
  3. CareOne
  4. American Debt Enders
  5. Ready for Zero
  6. Savvy Money
  7. Franklin Debt Relief
  8. Debt Consolidation Care
  9. Debt Consolidation America
  10. Fast Track Debt Relief

We’re going to re-arrange that list a bit starting with their Better Business Bureau rating. Businesses that are BBB accredited are graded on 16 elements in all including things like time in business, business complaints and advertising issues. The list of grading elements can be viewed here.

Businesses that received an A from BBB (at the time this was published) include:

  • CareOne
  • Debt Consolidation Care
  • National Debt Relief
  • Ready for Zero

Let’s take a look at a few other factors we think are important for a debt relief program. We looked at six elements, including the BBB rating seen above. The elements defined are:

  • BBB Accredited: We feel that it’s very important for a business to be BBB accredited because it displays that the business is concerned with how the perform and are interested in the feedback from their clients.
  • 10198814_sBBB Rating: Businesses that are not accredited can still have a BBB rating. Not applicable (N/A) means that the business does not have a BBB rating, for one reason or another.
  • Years in Business: This is an important element because it displays a reputable factor. This is more applicable for those who have been in business for many years because it means they must be doing something right to keep their doors open.
  • Number of Clients Helped: Again, another very valuable element to consider. We believe there’s a direct correlation between the success of the business and number of people helped.
  • Terms of Guarantee: Most businesses that believe in their product or service will offer a guarantee. Some are shorter than others, but guarantees give new consumers a sense of security knowing that if they aren’t completely pleased with the service or product, they can back out without any losses.
  • Website Rating: Each element was given a 1 point earning potential except the navigation element, which can earn up to 2 points. The elements are:

    • Ease of navigation (can you flow throughout the site easily without loading errors, are you stuck on one page, do you have to dig to find what you’re looking for, broken links, etc )
    • Friendly to the eyes (color, arrangement, ads, etc)
    • Content on landing pages (is the contact and company info displayed, is the content relevant to the product/service, are the most important factors displayed )
    • Home Page (first impression is everything)


Company Name BBB Accredited BBB Rating Years in Business Number of Clients Helped Guarantee Terms Website Rating (1-5)
National Debt Relief Yes A- 7 100,000+ Money back guaranteed 4.5-Lost .5 point because no one  answered LiveChat
Curadebt No N/A 14 Thousands (no exact number) Guaranteed to get honest, personal , & expert advice 3
CareOne Yes A 12 5 Million+ 100% satisfaction for 6 months or money back 4
American Debt Enders No N/A 8 Unable to locate No guarantee? 2
Ready for Zero Yes A- 3 Unable to locate No guarantee? 5
Savvy Money No N/A Unable to locate Unable to locate No guarantee? 5
Franklin Debt Relief No C- 5 Unable to locate Money back on service fees 3
Debt Consolidation Care Yes A 11 100,000+ No guarantee? 4
Debt Consolidation America No F 13 Unable to locate No guarantee? 2
Fast Track No F 17 Unable to locate No guarantee? 1


So who came out on top?

Based on the above information and the customer service I received while speaking with (or trying to reach) representatives of each company, I came to my own conclusion of the best debt relief programs in order. Keep in mind some business phone numbers were disconnected, which makes me believe they may no longer be in business, or were a scam to begin with.

  1. 10172204_sNational Debt Relief
  2. Care One
  3. Ready for Zero
  4. Debt Consolidation Care
  5. Savvy Money
  6. CuraDebt
  7. Franklin Debt Relief
  8. Fast Track
  9. American Debt Enders
  10. Debt Consolidation America

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

*The content in this article is accurate at the publishing date, and may be subject to changes per the card issuer.

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