Top Credit Card Relief, Credit Repair & Debt Relief Companies for 2016


What is your “financial” resolution for 2016? Most Americans want to reduce their outstanding debts by the end of 2016 and pave the way for a healthier financial future. United States (US) consumers continue to struggle with their credit card debt. According to the Federal Reserve and a few other government statistics, the average American household now owes around $7,821 in credit card debt alone.

Top Credit Card Debt Relief Companies

During the first quarter of 2015, it was reported that the total outstanding consumer debt had touched $3.34 trillion and credit card debt accounted for a major part of that debt. If you are interested in learning more about debt relief programs available in the US, take a look at the list of Top Credit Card Relief, Credit Repair & Debt Relief Companies for 2016 provided here.

Top Credit Card Relief, Credit Repair & Debt Relief Companies for 2016

Golden Financial Services (GFS): GFS has earned the reputation as the top debt negotiation and consolidation company in the US. Their debt consultants have worked for years to develop fast, proprietary and efficient debt resolution processes. Unlike bankruptcy, their programs are consumer friendly.  The debt resolution programs offered by Golden Financial Services are all cost-efficient ways to get rid of your debts in under three-years. Not every consumer qualifies for one particular program, therefore Golden Financial Services offers an array of effective debt relief options! A debt negotiation program may cut your debt to a fraction of what you owe and each month you are responsible for paying only one comfortable payment. Their debt negotiators have a very cordial and professional relationship with most of the major creditors. As such, it is easier for them to negotiate reductions on their customers’ behalf. Once you enroll in a debt negotiation program with GFS, the Golden Financial Services team will aggressively work on your behalf to provide you with a resolution to all of your unsecured debt issues. Some consumers may qualify for debt validation. This is another program offered at Golden Financial Services. This program addresses illegal debt collection practices and forces debt collectors to prove that they have the legal authority to collect on a debt, which they often cannot do!

The credentials of GFS are further substantiated by the fact that they have received an A+ rating from Better Business Bureau and have zero unresolved complaints. Who wouldn’t trust such a company?

DebtWave Credit Counseling, Inc: DebtWave is one of the prestigious Consumer Credit counseling companies in America. They started their debt relief services way back in the year 2001. There are several reasons why this company has made it to the number “one” position for credit counseling company’s, in our list of the top Credit Card Relief, Credit Repair & Debt Relief Companies for 2016. The company has the required experience, non-profit status and licensing to assist consumers with credit card debt in almost every state.


They may be able to substantially reduce your interest rates. It is common for their negotiators to reduce a client’s interest rate from 28% down to 8%. Plus, they may be able to completely eliminate late fees if you have missed your payments for a month or two. DebtWave’s credit counseling skills and outstanding customer service has earned the company over 60 positive reviews on Google and Yelp.


They are a fully-accredited, credit counseling firm, with licensed credit counselors.

Key Credit Repair: Key Credit Repair makes this list as one of the top credit repair companies!  Key Credit Repair offers professional credit restoration services. You can seek their help if you are planning to apply for financing or if a lender has turned you down. Professionals from Key Credit Repair will work with you to scrutinize each and every item on your credit report in order to assist you with removing derogatory and erroneous information. The company is highly rated with the Better Business Bureau. The Key Credit Repair consultants understand that each and every credit situation is different and pay attention to each and every detail in your credit report to improve your situation. Nowadays, lenders require that you have a high credit scorebefore approving you for a loan. Key Credit Repair offers reliable credit repair services in three simple steps:

  • Free Consultation
  • Enrollment
  • Sit back and see them work wonders for you

KC Credit Services: Like Key Credit Repair, KC Credit Services is a leading credit restoration company in America as well. They are a licensed credit repair company.

KC Credit Servicesis a BBB accredited business, operating since 1993. It has received an A+ rating from Better Business Bureau. The company has zero customer complaints listed at the BBB, which is unheard of, considering this company has been in business for over 20-years! This company offers a phenomenal service! The consultants at KC Credit Services will not only repair your credit, but also educate you on credit.

From the results of our surveys, KC Credit Services spent the most time providing credit education to their clients, compared to any other company in the nation.


Peak Legal Advocates is a leading attorney debt restructuring company in America. The company has helped thousands of borrowers regain their financial freedom with the help of their Debt Restructuring Program. The professionals negotiate your debts with your creditors and help you settle your accounts for much less than you owe. If your creditors have violated your consumer rights, Peak Legal will make them pay the price and protect the consumer.

They are highly rated with Better Business Bureau and accredited with no complaints. Their website provides comprehensive information about the whole Debt Restructuring Process, the way their debt analysts help you settle debt for less than the full amount owed and how FDCPA safeguards you against the unfair practices of collection agencies, banks and creditors.

Freedom Debt: Freedom Debt Relief is a subsidiary of Freedom Financial Network, founded in the year 2002 by dynamic Business School graduates Brad Stroh and Andrew Housser. The debt relief company has garnered appreciation from customers primarily for their quality of customer services, efficiency and the polite behavior of professionals.


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  1. JoYves walkerJuly 1, 2016 at 4:02 am

    I am interested in consolidating a few bills. I draw disability and I think it would be easier on me if I had just 1 payment instead of 3 or 4. I would love to have a credit card for emergency use only. Thanks for your help if you could help me with this I would greatly appreciate it.


  2. Debt settlement is a great step in the right direction, especially when buried in credit. Call Consumer Credit Card Relief to see your options and have someone fight for you. Consumer Credit Card Relief is a dedicated team that can be the solution to your debt problems. See how we can lower your fees with debt settlement.


  3. Nora L DummerNovember 29, 2016 at 7:33 am

    I am on disability and would like to repair my credit score to be able to purchase a car or be able to be approved for a credit card to rebuild my score every time I try to get on I’m denied so if talking bankruptcy is an option I need information as to what would be good for myself thank you



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