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Settlement
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- $0 Fees Until Settlement is Reached
- 15+ Years in Business
- ZERO upfront costs
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9.1
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8.9
Consolidation
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- No credit score requirement
- Cancel anytime with no fees
- Great for credit card debt
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9.4
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9.6
Settlement
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- ZERO upfront costs
- Money-back guarantee
- No credit score required
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8.9
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9.5
e.g. Such as CareOne, CuraDebt etc. | Browse by Settlement | Browse by Consolidation
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Settlement
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- Money-back guarantee
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- Minimum debt: $7,500
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Consolidation
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- Affordable monthly fees
- Free consultation & credit counseling
- Not available in all 50 states
Our Score
8.4
User Score
9.7
Our Score
7.3
User Score
9.8
Most Recent User Review: InCharge Debt Solutions
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User Score90 people found this review helpful!In Charge Debt Solutions handled my enormous debt very efficiently and professionally. Their counseling was good, and handled my debt well for two years. I am very pleased with the rates they negotiated for me. I give them a thumbs up for their work with my debt.Was this review helpful? Yes
Read More InCharge Debt Solutions Reviews
- Takes your existing debt and try to settle with your creditors for a lower amount. If you pay off the settled amount, your debt will be considered paid in full.
- Negotiates with your creditors on your behalf.
- Fee based on a percentage of your total starting debt or a percentage of the debt they save you.
- Most settlement companies have you create a separate "escrow" account where you will make monthly contributions over a certain amount of time to contribute to your settlement. Once there is a substantial amount of funds to show your creditors, the settlement company will try to negotiate a lower amount of debt.
- Combines all your debts and creditors into one monthly payment.
- Allows you to pay one monthly payment to the consolidation company, instead of multiple payments to different creditors.
- You no longer owe your original creditors; instead you pay one monthly payment to your consolidation company.
- Consolidation companies can help negotiate lower interest rates on your debts and help lower your total debt payment in the long run. A lower interest rate will lower the amount you owe in the end.
- Allows you to consolidate all your different debts into one personal loan that can be paid off over time.
- Can offer borrowers a lower interest rate with a longer payback term (compared to high-interest credit cards or medical bills). This will lower the amount of money required to pay off the loan over time.
- Personal loan debt consolidation can be an effective way to raise your credit score quickly (within 3-6 months).
- Borrowers can receive funds from their loan within only a few days.
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