Top 8 Best Debt Settlement Affiliate Programs to Earn Big

Are you a blogger working in the financial industry? Then, this topic is uniquely made for you.

As more and more people experience financial difficulties, the debt settlement sector is booming. Joining an affiliate program in this niche is a great way to earn a passive income stream.

In this article, we’ll walk you through the lucrative and rewarding world of debt settlement affiliate programs.

So, if you’re interested in helping others in financial distress, keep reading. However, it’s essential to approach this industry with integrity and a deep understanding of the regulation to keep your audiences (and you, too) safe.

Now, enjoy the list!

Top 8 Debt Settlement Affiliate Programs That Will Pay You a Lot 

Guardian Debt Relief

The first debt settlement affiliate program on our list is Guardian Debt Relief – a business with an A+ rating by BBB (Better Business Bureau).

This company is proud to help consumers reduce their debt amount by negotiating with creditors. Typically, they can help clients pay only 40%-60% of the initial total debt. Sounds impressive, right?

For their service, there’s no upfront cost. However, you’ll pay them monthly fees whenever they successfully lower your payment.

If your audience is in debt, you might refer them to enroll in the Guardian Debt Relief program to achieve financial freedom. In return, you’ll receive a vast commission of $325 per closed deal.

Besides, for each qualified lead acquired through signing up a quote form, you’ll earn $32. A phone consultant lead? You’ll receive $45 in your account.

Note that these earnings are eligible only if those audiences have unsecured debt of at least $10,000 and live in a qualified state.

There’s more!

Guardian Debt Relief also offers a referral commission of 15% on sales generated by affiliates that you refer to their program.

Do these amazing deals capture your attention? Then, explore further and join their affiliate program managed by ShareASale

National Debt Relief

National Debt Relief is another potential option for individuals struggling with overwhelming unsecured debts. Their goal is to help consumers pay off their debts at a reduced amount and in a shorter time (from 24 to 48 months).

With nearly 15 years of operation, this company has assisted over 600,000 customers in regaining control of their finances.

National Debt Relief primarily deals with unsecured debts, such as credit card debt, personal loans, collections, medical bills, student debts, and certain types of business debts. They do not assist with secured ones like mortgages or auto loans.

How much does this company pay you as an affiliate? Well, they give you two ways to earn extra income.

One is the pay-per-lead program. You’ll get $27.50 for each qualified free quote request referred from your blog or website. Again, those leads must be from individuals interested in debt settlement services and have at least $10,000 unsecured debt in credit cards.

The other is from referring affiliates. You’ll earn 12% of all commissions they generate every month.

The shareASale affiliate network also hosts this program. So, get to know this platform thoroughly before making a decision.

New Era Debt Solutions

New Era Debt Solutions may be a good option for consumers struggling with unsecured debts.

For over 20 years, this company has helped its clients pay off approximately $250,000,000 in debt. They take great pride in the dedication of their staff, including debt relief specialists, financial experts, lawyers, and administrative assistants.

Coming to New Era Debt Solutions, there will be no upfront costs. Once clients enroll in New Era’s program, they must pay between 14% and 23% of their initial debt.

If you want to promote services from New Era to your audiences, join their Referral Partnership directly on their page.

They’re pretty generous in how affiliate marketers display their links to drive customers. So, feel free to place your unique New Era affiliate links on your website, blog, social media posts, emails, and even forums.

What will you get in return?

Well, how much money you make depends on qualified leads. These leads must be from customers looking to eliminate their debt and have an unsecured credit card debt of at least $10,000. Note that they won’t accept those from Iowa, Maine, and South Dakota.

Oak View Law Group

Oak View Law Group (OVLG) is a debt relief law firm founded in 2007. They provide a wide range of debt relief services, such as debt settlement/consolidation, payday loan settlement/consolidation, debt management, and bill payment.

Credit card debts, medical expenses, and student loans are eligible types of debts that can be settled through their debt relief campaign.

It’s free to join OVLG’s debt relief affiliate program if you have a website (not about adults, gambling, or pharmaceuticals), a profile on social platforms, or an email signature.

However, note that their program is invalid in some states, including Connecticut, Colorado, Vermont, Pennsylvania, and Wisconsin.

How about the commissions?

OVLG has two models for commissions at this moment: the Contactable Leads Model and the Per Sale Model.

The former one is for those contactable leads through a valid phone number or email account. And the latter is applied if you’ve got successful clients.

Commission rates will vary based on the debt amount of your referring customers (See our tables below for details).

Besides these programs, OVLG offers an affiliate referral scheme where you’ll earn 12.5% of the total payment from your referring partner.

Contactable Leads Model
Lead Amount	Commission
Less than $10,000	$20 per Contactable Lead + $60 (Signup Bonus) + 10% of Trailing Fees
Greater than $10,000	$35 per Contactable Lead + $120 (Signup Bonus) + 10% of Trailing Fees)

Per Sale Model
Lead Amount	Commission
Less than/Equal to $10,000	$120 per Client + 10% of Trailing Fees
Greater than $10,000 and Less than/Equal to $25,000	$400 per Client + 10% of Trailing Fees
Greater than $25,000 and Less than/Equal to $50,000	$425 per Client + $250 for next 2 Months + 10% of Trailing Fees from 4th months onward
Greater than $ 50,000 and Less than/Equal to $75,000	$500 per Client in 1st Month + $250 for next 4 Months + 10% of Trailing Fees from 6th months onward
Greater than $75,000 and Less than/Equal to $100,000	$600 per Client in 1st Month + $250 for next 6 Months + 10% of Trailing Fees from 8th months onward
Greater than $100,000	$750 per Client in 1st Month + $250 for next 8 Months + 10% of Trailing Fees from 10th months onward

Accredited Debt Relief

Let’s explore another reputable name in this round-up of debt settlement affiliate programs.

Accredited Debt Relief, a Beyond Finance, LLC division, is committed to guiding customers toward debt relief solutions that promote their financial wellness and enhance their lives.

Forming an LLC offers businesses limited liability protection, which helps safeguard personal assets from business-related liabilities. A company like LLC University can help aspiring business owners understand the benefits of this structure, ensuring they make informed decisions that support their financial goals.

They’ve earned BBB and American Fair Credit Council accreditations, making them a reliable company in the industry.

Like many other debt settlements, this company deals exclusively in unsecured debts. Some qualified options are credit card debt, payday loans, and medical bills.

Based on your specific situation and needs, they’ll recommend a program that would work best for you. If successful, you only pay off about 55% of your original enrolled balance, excluding fees (about 15% to 25%).

Being an affiliate of Accredited Debt Relief, you’ll receive a competitive payout based on their pay-per-lead program.

Sign up directly on their page. You’ll work further with their team partner for more information.

Debt Consolidation Care

Debt Consolidation Care (DebtCC) is one of the largest debt communities in the world that specializes in helping individuals manage and consolidate their debt.

They have over 545,500 members and 450,000 visitors monthly, finding solutions for their personal loans, credit card debt, medical expenses, and other unsecured debts.

DebtCC has a pay-per-lead affiliate program for any bloggers or influencers worldwide. They accept leads from debt settlement, debt reduction, and debt consolidation services.

The good news? The program is not limited to websites and blogs. You can promote their services through social media networks, emails, streaming platforms, and more.

To join this program, you must create an account on their website. After signing up, you’ll be given a particular affiliate or banner code. Plus, everything you need to expand your reach is easily accessible, from profits reports to promotional materials.

Here’s an interesting fact:

DebtCC offers the same Contactable Leads Model, the Per Sale Model, and the affiliate referral scheme as OLVG. Visit the link below for details.

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Contactable Leads Model
Lead Amount	Commission
Less than $10,000	$20 per Contactable Lead + $60 (Signup Bonus) + 10% of Trailing Fees
Greater than $10,000	$35 per Contactable Lead + $120 (Signup Bonus) + 10% of Trailing Fees)

Per Sale Model
Lead Amount	Commission
Less than/Equal to $10,000	$120 per Client + 10% of Trailing Fees
Greater than $10,000 and Less than/Equal to $25,000	$400 per Client + 10% of Trailing Fees
Greater than $25,000 and Less than/Equal to $50,000	$425 per Client + $250 for next 2 Months + 10% of Trailing Fees from 4th months onward
Greater than $ 50,000 and Less than/Equal to $75,000	$500 per Client in 1st Month + $250 for next 4 Months + 10% of Trailing Fees from 6th months onward
Greater than $75,000 and Less than/Equal to $100,000	$600 per Client in 1st Month + $250 for next 6 Months + 10% of Trailing Fees from 8th months onward
Greater than $100,000	$750 per Client in 1st Month + $250 for next 8 Months + 10% of Trailing Fees from 10th months onward

CuraDebt

Now, let’s move to CuraDebt – one of the oldest and largest debt settlement companies in the United States.

Founded in 2000, this company has offered related services to help businesses and individuals address their financial challenges and work towards becoming debt-free.

Like others, these services include debt relief, debt negotiation, debt consolidation, and tax debt.

For debt relief, clients with a minimum debt of $ 5,000 are eligible for signup and getting free consultancy.

However, once you’ve joined CuraDebt’s affiliate program, you’ll only get commissions from those with the minimum amount of $ 10,000.

Well, let’s dive deeper into their program.

In fact, CuraDebt offers different ways for their affiliates to earn money.

The highest payout of $450-$600 is applied for the pay-per-sale campaign. It happens when there are successful enrollments in their debt relief or tax debt relief program.

For the pay-per-lead program (real-time phone verification), you’ll earn $30 for each qualified debt lead and $40 for the tax debt one. Additionally, if your referred client ends up signing up for CuraDebt’s programs (both debt and tax debt), you’ll get a bonus of $200.

Another campaign is the pay-per-call. They’ll give you $60 for each valid call lasting longer than 5 minutes and $80 for those longer than 8 minutes.

Wondering whether to get a commission from referring other affiliates? The answer is yes. You’ll receive 10% of all commissions they make every month.

Debt Alternative Center 

This list ends with Debt Alternative Center. This company provides back-end debt settlement services for both new and established debt resolution businesses. Their services and training programs include debt settlement, tax settlement, bankruptcy, debt management, and student loan default.

Debt Alternative Center is dedicated to providing its clients with free training and support, and it does so by pairing them with a professional account executive. By assisting these businesses, the Debt Alternative Center aims to improve people’s lives by reducing their debt and tax relief.

If you become an affiliate of the Debt Alternative Center, you can access their first-rate services regarding debt settlement/debt restructuring. They include the Fair Debt Collection Practices Act (FDCPA), the Attorney Model, and the Performance Model.

With their world-class service offerings and national coverage, Debt Alternative Center is willing to pay their affiliates up to 17% of sales.

Why Promote Debt Settlement Affiliate Programs? 

Affiliates approach debt settlement affiliate programs for different reasons. We’ve listed possible yet basic details below.

Potential market

Million people are struggling with debt. Economic downturns, job loss, or unexpected medical expenses can lead them to possible solutions to get rid of their financial distress.

That’s why the demand for debt settlement services is likely to remain steady or even increase over time. This presents a substantial market opportunity for affiliates to target.

Ethical values

Debt relief services can help many individuals and businesses regain control of their finances and work towards a debt-free future.

Thus, promoting appropriate programs to clients seeking legitimate solutions allows you to emphasize an ethical and responsible approach.

However, before promotion, it’s essential to thoroughly research the programs, understand their terms and conditions, and ensure they comply with relevant regulations to protect consumers.

Lucrative commissions

The fact is that debt settlement companies typically give their affiliates high commissions, ranging from a percentage of the enrolled debt amount to a fixed fee per qualifying lead. It’s a strong motivator for affiliates to focus on promoting their services.

Many programs also offer referral schemes that allow you to make money from referring other affiliates to join their network.

Long-term revenue

Some debt settlement programs, such as the Oak View Law Group or Debt Consolidation Care, offer ongoing commissions as long as the referred client remains in the program. This is an appealing option for affiliates looking for financial stability.

How to Determine the Right Debt Settlement Affiliate Programs?

There are basic things to consider before joining any debt settlement program:

Understand the industry and your audience

First and foremost, you need to know the situation’s ins and outs before affiliating. It includes understanding the industry and your audience’s needs.

Ensure that your audiences want to eliminate their debt and are interested in debt relief services. Learn about how debt settlement services work, how they benefit people, their regulations, and more.

Research companies in the industry

You don’t want to promote services from unreliable companies, right? That’s why you need to research carefully to see whether they’re a good fit for your audience.

Look for companies with a solid reputation. Examine reviews, ratings, testimonials, accreditation, and more.

Our list above has the most reputable names. You might stick to it to dive deeper. Or else, find programs from other companies you’ve known before.

For example, you know about American Debt Enders. Then, visit their site to see whether they offer an affiliate program or search from affiliate platforms like CJ network (Commission Junction), FlexOffers, and ShareASale.

Choose suitable programs

Some tips help you choose debt settlement affiliate programs that are beneficial for you and your audiences:

Review their commission structure. Debt settlement companies apply different commission structures for their programs. Examine how they count qualifying leads and sales to ensure competitive and fair compensation.

Read the terms and conditions of the affiliate program carefully. Pay attention to how the program works. Verify if there are any limitations in promotion and earnings. For example, examine which states are excluded from their campaigns.

Ensure that the debt settlement company complies with relevant laws and regulations. Be cautious of programs that promise exceptionally high commissions yet engage in deceptive practices, such as making false promises to clients.

Conclusion

To sum up, we’ve uncovered a win-win scenario in promoting debt settlement affiliate programs here. It’s about helping others get out of debt while putting extra cash in your pocket. Simple, right?

Again, it’s crucial to choose a reputable program and carefully consider the associated risks before promoting it to your audience.

Once you’ve chosen an appropriate program, you can increase your chances of success in promoting their services to your audience. Good luck!