The qualifications for debt relief will vary depending on the debt relief company you plan to work with. In general, it is a good idea to consider debt relief if you have no way of repaying your unsecured debt even if you take drastic spending cuts within five years or if your total unsecured debt exceeds half of your gross income.
In terms of requirements, National Debt Relief, for example, will only work with consumers who have at least $7,500 in unsecured debt, but not more than $100,000. They will also take you into account if you have outstanding medical bills, business debts, or private student loan debt.