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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.

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The representatives we spoke to were quick to reply and thoroughly explained the entire program to our secret shoppers.

National Debt Relief provides all the forms necessary to notify your creditors you’ve entered a hardship program and gives you access to a client dashboard where you can get updates on how your settlement is proceeding.

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.

If you value customer service most, Freedom Debt Relief is a good choice as its customer service is highly regarded in the industry.