163
Companies
5,416
Consumer Reviews
See our TOP-RANKED Debt Relief Companies
Settlement
Call Now!
- $0 in Upfront Costs
- Price Lock Guarantee & Lifetime Warranty
- Accredited by AFCC and IAPDA
Our Score
9.0
User Score
9.1
#1 Freedom Debt Relief
- $0 in Upfront Costs
- Price Lock Guarantee & Lifetime Warranty
- Accredited by AFCC and IAPDA
Consolidation
Management
Call Now!
- Reduce Monthly Payments by 30-50%
- Low Interest Rates
- Served Over 6.5 Million Clients
Our Score
9.1
User Score
9.3
#1 Consolidated Credit
- Reduce Monthly Payments by 30-50%
- Low Interest Rates
- Served Over 6.5 Million Clients
Our Score
8.5
User Score
9.5
#4 Pacific Debt Inc.
- No Credit Score Required
- $0 Upfront Costs
- Money-back Guarantee
Settlement
Consolidation
- Don't Pay Until Debt Is Settled
- Settle For Av. of 50%
- Free Consultation
Our Score
8.8
User Score
9.6
#2 Accredited Debt Relief
- Don't Pay Until Debt Is Settled
- Settle For Av. of 50%
- Free Consultation
Settlement
Call Now!
- Pay Only 18-25% of Total Debt
- AFCC & IAPDA Accredited
- $0 in Upfront Fees
Our Score
8.8
User Score
8.3
#3 National Debt Relief
- Pay Only 18-25% of Total Debt
- AFCC & IAPDA Accredited
- $0 in Upfront Fees
e.g. Such as CareOne, CuraDebt etc. | Browse by Settlement | Browse by Consolidation
- 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.
Read full article