Debt Relief review

New Era Debt Solutions review

Name: New Era Debt Solutions review
Item: New Era Debt Solutions
Rating: 7.4
Author: ChoosyOwl

Best family-run option

Family-run debt settlement company in business since 1999, with a published state list. People who prefer a smaller, family-run settlement company and want to confirm state coverage first. We rank it #7 of 8 in our debt relief comparison, with an editorial score of 7.4 out of 10.

Updated November 14, 2026By the ChoosyOwl editorial teamHow we rank

7.4/10

Our editorial score

New Era Debt Solutions scores well on Availability because it publishes the states it serves, including those covered through an affiliated law firm, and on Consumer protections & disclosures for its plain risk and tax notes. It scores lower on Fee transparency and Program terms & eligibility because its homepage does not state a fee percentage, minimum debt or program length.

How we score debt relief

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Debt relief disclosure.

We are not a lender, not a debt relief company and not a law firm, and nothing on this page is legal, tax or financial advice. We do not negotiate debts, hold funds or enroll anyone in a program.

Results are not guaranteed. Creditors are not required to settle, not every debt can be enrolled, and many people do not complete settlement programs. No company can promise a specific reduction or timeline.

Debt settlement companies charge fees, typically a percentage of the enrolled debt or of the amount saved. Under the FTC Telemarketing Sales Rule, companies that sell settlement services by phone cannot collect a fee until they have settled at least one of your debts and you have made at least one payment under that settlement. Ask for every fee in writing before you sign.

Stopping payments to your creditors, as most settlement programs require, will likely damage your credit score and can lead to late fees, added interest, collection activity and lawsuits. Forgiven or cancelled debt may be taxable income, so talk to a tax professional. Alternatives include nonprofit credit counseling, a debt consolidation loan and talking to a bankruptcy attorney.

Quick facts

Our rank#7 of 8

Best forBest family-run option

Fees (as published)Not stated on homepage; no upfront fees; ask in writing

Program lengthNot stated on homepage; ask before enrolling

Industry membershipsNot listed on the page we reviewed

Facts checkedNovember 14, 2026

Details are general and can change. Check current plans, prices and terms on the New Era Debt Solutions site. See the New Era Debt Solutions company profile in our brand directory.

Overview

New Era Debt Solutions describes itself as a family-owned and family-run debt settlement company that has operated since 1999. It negotiates with creditors to settle unsecured debts for less than the full balance while you make one monthly deposit.

Its site says it charges no upfront fees until a debt is resolved. Its disclosures say fees may differ by state, services are not available in all states, the program will likely hurt your creditworthiness and tax consequences should be discussed with a tax professional. The homepage we reviewed did not publish a fee percentage, minimum debt or typical program length, so ask for all three in writing.

New Era publishes the states it serves and marks the ones handled in association with an affiliated law firm.

Pros and cons

Pros

Long operating history
Plain-language disclosures about credit and taxes
State coverage is easy to check

Cons

No fee percentage on the homepage we reviewed
No stated minimum debt or program length on the homepage
Some states handled through a law firm

Key features

No upfront fees until a debt is resolved
Published list of states served
Some states served through an affiliated law firm
Spanish-language pages available

Who New Era Debt Solutions is for

A good fit if

People who prefer a smaller, family-run settlement company and want to confirm state coverage first.

Look elsewhere if

Anyone who wants to compare a published fee rate online before speaking to anyone.

How we scored New Era Debt Solutions

Our debt relief score weighs fee transparency (25%), program terms & eligibility (20%), consumer protections & disclosures (25%), client support & tools (15%), availability (15%). See the methodology.

New Era Debt Solutions alternatives

#1
Freedom Debt Relief
Best overall
Large debt settlement company with a published fee range, a Program Guarantee and no upfront fees.
- Fee is a published percentage of enrolled debt
- No upfront fees; fee collected after a settlement is authorized and paid
- Program Guarantee (read the terms)
- Founding member of the ACDR; IAPDA platinum member (per its site)
9.2/10
Editorial score
Visit site (Freedom Debt Relief, opens in a new tab) Read review Compare
#2
National Debt Relief
Best for a published fee cap
New York-based debt settlement company that caps its fee as a share of enrolled debt.
- Fee capped as a share of enrolled debt
- No fees until a debt is settled
- ACDR member and IAPDA accredited (per its site)
- Free savings estimate before you enroll
9.0/10
Editorial score
Visit site (National Debt Relief, opens in a new tab) Read review Compare
#3
JG Wentworth Debt Relief
Best for a single stated fee
Debt resolution program from the J.G. Wentworth family of companies, with a stated program fee and state list.
- Program fee stated as a single percentage of enrolled debt
- No upfront fees
- Published list of states served directly
- Prequalification that does not affect your credit score (per its site)
8.7/10
Editorial score
Visit site (JG Wentworth Debt Relief, opens in a new tab) Read review Compare

See all 8 debt relief companies compared

New Era Debt Solutions FAQ

How long has New Era Debt Solutions been in business?

New Era says it has operated since 1999 and describes itself as family owned and family run.

What does New Era Debt Solutions charge?

Its site says it charges no upfront fees until a debt is resolved and that fees may differ by state. The homepage we reviewed did not state a fee percentage, so ask for the fee in writing before you enroll.

Does New Era work in my state?

New Era publishes a list of states it serves, and marks those served in association with an affiliated law firm. Check the current list on its site.

Sources and fact check

We checked the facts on this page against New Era Debt Solutions's own website on November 14, 2026.

https://neweradebtsolutions.com/