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Pacific Debt Relief Inc Reviews
Visit Site  | 
1-(855) 790-7452
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  • ZERO Upfront Costs
  • $7,500 Minimun Debt
  • No Credit Score Requirement
282 Real Reviews >>
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Consolidated Credit Reviews
Visit Site  | 
1-(855) 982-2967
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  • Nonprofit, A+ BBB rating
  • Over 5 Million People Helped
  • No Credit Score Requirement
281 Real Reviews >>
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Accredited Debt Relief Reviews
Visit Site  | 
1-(866) 819-5224
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  • 12 Years in Business
  • Money-back guarantee
  • Sunday customer service hours
232 Real Reviews >>
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Most Searched: Last 30 Days

DebtWave Credit Counseling Reviews
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1-(888) 526-9597
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  • A+ BBB Rating
  • Less than 3 months behind on debt payments
  • No Credit Score Requirement
308 Real Reviews >>
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National Debt Relief Reviews
  • Requires $7.5k in Debt
  • Price: 18-25% of Total Debt
  • AFCC & IAPDA Accredited
10 Real Reviews >>
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Rescue One Financial
  • Requires $7.5k in Debt
  • Price: 7% Annually
  • AFCC Accredited
4 Real Reviews >>
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Most Recent User Review: DebtWave Credit Counseling

  1. User Score
    Melissa Gonzalez
    October 19th, 2016 at 6:04 am
    0 people found this review helpful!
    Jo Jo Sanchez was awesome! She was very helpful and informative with all of my questions and concerns.

    Read More DebtWave Credit Counseling 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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