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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
3.4
User Score
10.0
Our Score
3.4
User Score
10.0
Rank this Company

Ratings Breakdown

Monthly Enrollment Fee

Undisclosed

Setup & Activation Fee

Undisclosed

Free Consultation

Yes

Credit Counseling

Yes

ISO Certified

No

Number of Reviews

1

This Review is maintained by Chase Sagum

Review Last Updated: June 26, 2019

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 $79
FCAA & ISO

#2

$10-$40
AFCC & IAPDA

#3

Up to $49
ISO

#21
Debt Consolidation Care Reviews | BestDebtCompanys.com

Undisclosed
N/A

Pros

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.

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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Cons

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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Our Recommendation

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.  

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Debt Consolidation Care FAQ

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.

How much does Debt Consolidation Care cost?

The monthly fees that are required of Debt Consolidation Care’s customers will be discussed during the free credit counseling session. Any other fees associated with Debt Consolidation Care will also be discussed during the free credit counseling session. Costs are not disclosed online

How long have they been in business?

Debt Consolidation Care was founded in 2004.

What is Debt Consolidation Care’s cancellation policy?

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

What accreditations does Debt Consolidation Care have? 

Debt Consolidation Care is not CPFC certified at this time. Debt Consolidation Care is not ISO certified at this time.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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1 Debt Consolidation Care Reviews

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  1. User Score
    10
    June 1st, 2018 Santa Cruz, CA
    0 people found this review helpful!
    Debtconsolidationcare.com helped me understand my debt problem and it helped me take steps to deal with this financial mess i was in. I got debt free at around half of what i owed.
    Read More
  • 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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Our Score
3.4
User Score
10.0
Rank this Company

Ratings Breakdown

Monthly Enrollment Fee

Undisclosed

Setup & Activation Fee

Undisclosed

Free Consultation

Yes

Credit Counseling

Yes

ISO Certified

No

Number of Reviews

1
Our Score
9.2
User Score
9.4
Rank this Company

Ratings Breakdown

Monthly Enrollment Fee

Up to $79

Setup & Activation Fee

$0-$49

Free Consultation

Yes

Credit Counseling

Yes

ISO Certified

Yes

Number of Reviews

430