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The top performers in our review are National Debt Relief, the Gold Award winner; New Era Debt Solutions, the Silver Award winner; and Accredited Debt Relief, the Bronze Award winner.Here’s more on choosing a service to meet your needs, along with detail on how we arrived at our ranking of 10 systems.All examples are hypothetical and are for illustrative purposes.We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.Most negatively affect your credit, and with most programs, you still pay off the majority of your debt.

Late payments, medical bills and personal emergencies can all add to a mounting amount of debt.

Because there is no general industry consensus as to what the best options are, we have narrowed down your options.

Many of these options work hand in hand or as part of a larger debt reduction program, but in general, these are your choices: Debt Settlement: Settlement is the process of negotiating with your creditors in hopes of reducing the total amount of debt that you owe them.

Often in life, debt can seem overwhelming; credit cards, late payments, medical bills and overdue accounts can add up.

If you find yourself swimming in debt and unsure how to escape, debt management services offer solutions.

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