Best debt relief companies, plus advice borrowers need to know now

It can take work to find the best debt relief company for your needs, but doing so could also pay off. Getty Images/iStockphoto Credit card balances grew by $44 billion in the final quarter of 2025 and the interest rate environment has made carrying that debt significantly more painful. A Federal Reserve interest rate pause in late April, the third such freeze in 2026, isn't helping. At a range between 3.50% to 3.75%, rates have been frozen since December 2025. …