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Debt Consolidation Care Reviews | BestDebtCompanys.com

Debt Consolidation Care

Debt Consolidation Care has been specializing in debt solutions for over 13 years, helping thousands of clients become debt free.

Our Score
2.1
User Score
--

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Our Score
2.1
User Score
--
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Ratings Breakdown

Price

monthly service fee
Undisclosed

Up-Front Fees

setup & activation fees
Undisclosed

Free Consultation

is one included?
Yes

Time in Business

total # of years
13 years

Credit Counseling

do they offer credit counseling services?
Yes

Certified Credit Counselors

are there certified counselors on staff?
No

ISO Certified

is this business ISO certified?
No

Number of Reviews

User reviews here on BDC
0

This Review is maintained by Chase Sagum

Review Last Updated: January 4, 2017

Debt Consolidation Care has created a place where people can come to get support in consolidating and resolving their debt. Founded in 2004, the company has helped thousands of people all across the country jump-start their journey to financial freedom. Debt Consolidation Care offers credit counseling and a free consultation. The website offers information about all different options and solutions, so customers can have what they need to make an informed decision.

Rank Chart
Monthly Price
Accreditations
Review

#1

Up to $69
FCAA & ISO

#2

$10-$40
AFCC & IAPDA

#3

$10 - $49
ISO

#25
Debt Consolidation Care Reviews | BestDebtCompanys.com

Undisclosed
N/A

The Good

  • Free counseling
  • Service options
  • Community

Free Counseling

Customers of Debt Consolidation Care will have several opportunities to have free counseling sessions throughout the process. To begin, a free consultation with a counselor will get you started in the right direction. The consultation will be spent going through your situation and finding what is the best plan for your circumstances. If you choose to continue working with Debt Consolidation Care after this free consultation, you will receive more counseling throughout your progress.

Service Options

Since there is a wide range of issues regarding personal finance, it is helpful for customers to have options to choose a solution that best fits their exact situation. Debt Consolidation Care provides information and guidance on many different options.

Community

The main way that Debt Consolidation Care stands out among the rest of the industry is that it offers a support community for the customers to work through their financial problems. There are forums and discussion boards that customers can be a part of to get ideas and motivation. This is not a common practice in the industry, and may be very beneficial to people who are struggling and would like a community to chat openly about their circumstances.
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The Bad

  • Lack of transparency
  • Third party
  • Non-expert forum

Lack of Transparency

Deciding to consolidate debt can be a major decision for customers and a major factor is the cost for these types of services. Customers who are researching Debt Consolidation Care will not be able to get price quotes until they have a credit counseling session. This makes it difficult for potential customers to decide if working with Debt Consolidation Care is in their best interest without taking the time for the free consultation. It also makes it difficult for our team to rank their company’s services in the industry without this basic information.

Third Party

Like some other companies within the industry, Debt Consolidation Care does not actually do the consolidation work for the customer. Debt Consolidation Care assists customers in finding what is the right steps for them to take. They also don’t really help the customer find the company that will actually consolidate for them. Potential customers may want to research and find a company that they can work throughout their entire debt management process.

Non-Expert Driven Forum

The online support group that Debt Consolidation Care offers their customers can be a help in seeing possible solutions. But anyone can post on the forums and so information isn’t necessarily always correct. The forums are monitored, so in theory all false information is taken down but that can’t be guaranteed.

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The Bottom Line

Debt Consolidation Care is a good place for people to start their journey to financial freedom from their debt issues. The company provides a place where anyone can come and ask questions or read others’ experiences to get an idea of how they should begin. It doesn’t seem like there is much help for the customer beyond the support community though. They will have to find other companies to help actually get the work done. We can recommend Debt Consolidation Care as a supplemental support, but we do not recommend them for consolidation.

About Debt Consolidation Care

In their more than 13 years in business, Debt Consolidation Care has helped 471,119 members get on the road to financial freedom. Their online forums help customers to learn more about the intricate workings of the industry from others. In a testimonial, a customer wrote about how the community showed him he didn’t owe a corrupt company money, which saved him money and heartache. This type of scenario is exactly why Debt Consolidation Care was created.

Price

The monthly fees that are required of Debt Consolidation Care’s customers will be discussed during the free credit counseling session.

Up-Front Fees

Any other fees associated with Debt Consolidation Care will also be discussed during the free credit counseling session.

Free Consultation

Every customer has access to a free consultation to get an idea of what they need to solve their financial problems. They also have access to free credit counseling.

Time in Business

Debt Consolidation Care was founded in 2004.

Debt Education

Debt Consolidation Care offers some educational tools and resources for customers.

Cancellation Policy / Money-Back Guarantee

Since Debt Consolidation Care does not actually offer the actual services, just information about them, there is no obligation or cancellation policy necessary.

Unsecured vs. Secured Loans

Debt Consolidation Services does not specify which types of loans on their website at this time.

Mobile-Friendly Site

Debt Consolidation Care does offer a mobile-friendly site.

Contact Information

1(800)332-8913

Email Address:

[email protected]
[email protected]

Address: 

301 West 11th Street Unit E, Reno, Nevada 89503

Business Hours:

9:00 am – 6:00 pm PST

Services Provided

Debt Consolidation Care offers both personal loans and debt consolidation.

Minimum Debt Accepted

Debt Consolidation Care does not have a minimum required debt amount published on its website at this time.

Online Dashboard

Debt Consolidation Care does offer a dashboard.

CPFC Certified

Debt Consolidation Care is not CPFC certified at this time.

ISO Certified

Debt Consolidation Care is not ISO certified at this time.

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Poll

  • When looking for a debt settlement company, which of these two aspects is most important to you?
  • 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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Real Reviews (yes they’re real)

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Our Score
2.1
User Score
--
Rank this Company

Ratings Breakdown

Price

monthly service fee
Undisclosed

Up-Front Fees

setup & activation fees
Undisclosed

Free Consultation

is one included?
Yes

Time in Business

total # of years
13 years

Credit Counseling

do they offer credit counseling services?
Yes

Certified Credit Counselors

are there certified counselors on staff?
No

ISO Certified

is this business ISO certified?
No

Number of Reviews

User reviews here on BDC
0
Our Score
9.4
User Score
9.6
Rank this Company

Ratings Breakdown

Price

monthly price range
Up to $69

Up-Front Fees

setup & activation fees
Up to $49

Free Consultation

is one included?
Yes

Time in Business

total # of years
24 years

Credit Counseling

do they offer credit counseling services?
Yes

Certified Credit Counselors

are there certified counselors on staff?
Yes

ISO Certified

is this business ISO certified?
Yes

Number of Reviews

User reviews here on BDC
609