Why we chose it: Although other debt relief businesses give absolutely free consultations, Independence Debt Relief has probably the most extensive no-risk evaluation of each of the solutions we viewed as. Get payoff estimates from Each individual creditor: Although debt relief providers normally negotiate credit balances in debt relief programs, https://digitalasset.blob.core.windows.net/digitalassets/alleviatefinancialsolutions/Debt-Consolidation-Programs.html