Best Debt Companys

163 Companies 5,407 Real Customer Reviews

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Posted By:  |  August 20, 2014

When you’re trying to pay down your debts as quickly as possible, it’s helpful to find extra cash anywhere you can. One great way to make a few extra dollars, […]

Posted By:  |  August 13, 2014

If you’re struggling with what seems like insurmountable debt, it can be hard to keep your head above water and maintain a positive attitude. However, there are some ways that […]

Posted By:  |  August 11, 2014

When you’re trying to get out of debt, you need to find savings wherever you can. Sometimes, this means redefining how you think about what you really “need” in your […]

Posted By:  |  August 4, 2014

Financial difficulty and debt are things that many Americans relate to. People of every status and class have found themselves with financial problems at times. Even some of the country’s […]

Posted By:  |  July 28, 2014

Falling behind on bill payments can ultimately lead to unpleasant calls from debt collection agencies. However, people who lack the ability to pay back the amount owed right away can […]

Posted By:  |  July 24, 2014

Unexpected expenses happen. If your emergency fund is not prepared to come to the rescue, you could find yourself in a debt disaster. Having a sick pet can be an […]

Posted By:  |  July 16, 2014

Dave Ramsey has been helping folks manage their finances for well over two decades. People from all over the world have sought his advice on effective money management and climbing […]

Posted By:  |  July 9, 2014

Most of the time, the most difficult thing about crafting a budget is having the willpower to stick to it. As budgets can significantly cut back your spending and may […]

Posted By:  |  July 3, 2014

Many consumers believe that once they’ve declared bankruptcy, it will be impossible to own a home for at least seven years. While it’s true that a negative debt mark is […]

Posted By:  |  July 1, 2014

Sheryl asks: “Do you know anything about Global Client Solutions?” Answer: Global Client Solutions is an independent third party account management company. They work with debt settlement companies and help […]


  • How important is it to you for a debt consolidation company to offer financial education resources?
  • 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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