Best Debt Companys

162 Companies 3,005 Real Customer Reviews

Debt Consolidation Companies (Full List)

Ranked by experts. Reviewed by customers.TM

#1
Consolidated Credit Reviews
Consolidation
Management
Visit Site  | 
1-(855) 982-2967
Call Now!
  • Nonprofit, A+ BBB rating
  • Over 5 Million People Helped
  • No Credit Score Requirement
Read Reviews >>
Our Score
9.3
User Score
9.5
#2
accredited_debt_relief-1
Consolidation
Management
Visit Site  | 
1-(866) 757-7228
Call Now!
  • $0-$100 in Up-Front Costs
  • Average of 7.9% Interest
  • $10-$40 Monthly
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Our Score
9.0
User Score
9.3
#3
DebtWave Credit Counseling Reviews
Consolidation
Management
Visit Site  | 
1-(888) 526-9597
Call Now!
  • 16 years in the industry
  • Free consultation
  • Monthly fees from $10 to $49
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Our Score
8.4
User Score
9.7
#4
delray_credit_counseling_review
Consolidation
Management
  • Monthly fee: $39
  • Up-front fee: Up to $0
  • Offers credit counseling
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Our Score
7.1
User Score
10.0
#5
incharge_debt_solutions_review
Consolidation
Management
  • Monthly Fee: Up to $75
  • Up-front Fee: Up to $50
  • Offers Credit Counseling
Read Reviews >>
Our Score
6.2
User Score
10.0
#6
credit org logo
Consolidation
  • Monthly Fee: $20
  • Up-front Fee: Up to $35
  • Offers Credit Counseling
Read Reviews >>
Our Score
5.9
User Score
--
#7
green path debt solutions logo
Consolidation
  • Monthly Fee: Up to $75
  • Enrollment Fee: Up to $50
  • Offers Credit Counseling
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Our Score
5.6
User Score
--
#8
Advantage Credit Counseling Services logo
Consolidation
Management
  • Excellent Customer Service
  • Thorough Accreditation
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Our Score
5.5
User Score
9.7
#9
logo
Consolidation
Management
  • Monthly Fee: Up to $75
  • Enrollment Fee: Up to $100
  • Offers Credit Counseling
Read Reviews >>
Our Score
5.3
User Score
--
#10
Money management International reviews
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Up to $50
  • Offers Credit Counseling
Read Reviews >>
Our Score
5.1
User Score
10.0
#11
Solid Ground Financial
Consolidation
Management
  • Monthly Fee: Unknown
  • Enrollment Fee: Unknown
  • Not ISO Certified
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Our Score
4.9
User Score
9.9
#12
take charge america logo
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Up to $25
  • Offers Credit Counseling
Read Reviews >>
Our Score
4.5
User Score
--
#13
Navicore Solutions Reviews | BestDebtCompanys.com
Consolidation
Management
  • Free consultation with certified counselors
  • Not ISO certified
  • Time in business: 26 years
Read Reviews >>
Our Score
4.3
User Score
10.0
#14
Family Credit Management Reviews
Consolidation
Management
  • Over 20 years in business
  • ISO certified
  • Free consultation with certified counselors
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Our Score
4.2
User Score
10.0
#15
american_financial_solutions
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Read Reviews >>
Our Score
4.2
User Score
8.0
#16
clarifi logo
Consolidation
  • Monthly Fee: Up to $50
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Read Reviews >>
Our Score
3.7
User Score
--
#17
cesi_solutions
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Read Reviews >>
Our Score
3.5
User Score
4.3
#18
one_main_financial
Consolidation
  • Monthly Fee: Unknown
  • Enrollment Fee: Unknown
  • Does Not Offer Credit Counseling
Read Reviews >>
Our Score
3.4
User Score
0.6
#19
First Choice Debt Relief Reviews | BestDebtCompanys.com
Consolidation
Management
  • Monthly fees: Undisclosed
  • Up-front fees: None
Read Reviews >>
Our Score
3.3
User Score
--
#20
debt-reduction-services-review
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Read Reviews >>
Our Score
3.0
User Score
--
#21
debt_guru
Consolidation
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Read Reviews >>
Our Score
2.9
User Score
--
#22
consumer_credit_130
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Read Reviews >>
Our Score
2.8
User Score
--
#23
Progressive Debt Relief Reviews | BestDebtCompanys.com
Consolidation
Management
  • Monthly Fees: Undisclosed
  • Upfront Fees: None
  • Offers credit counseling
Read Reviews >>
Our Score
2.8
User Score
--
#24
CreditGuard of America Reviews
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Read Reviews >>
Our Score
2.7
User Score
2.0
#25
Debt Consolidation Care Reviews | BestDebtCompanys.com
Consolidation
Management
  • Monthly fees: Undisclosed
  • Up-front fees: Undisclosed
  • Offers credit counseling
Read Reviews >>
Our Score
2.1
User Score
--
#26
Trinity
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Read Reviews >>
Our Score
1.9
User Score
--
#27
prosper_review
Consolidation
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Does Not Offer Credit Counseling
Read Reviews >>
Our Score
1.6
User Score
--
#28
LowerMyBills.com
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Does Not Offer Credit Counseling
Read Reviews >>
Our Score
1.4
User Score
--
#29
best egg logo
Consolidation
  • Monthly Fee: 5.99-29.99%
  • Enrollment Fee: 0.99-4.99%
  • Does Not Offer Credit Counseling
Read Reviews >>
Our Score
1.2
User Score
0.0
#30
armada_debt_solutions
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Does Not Offer Credit Counseling
Read Reviews >>
Our Score
1.0
User Score
0.0
#31
christian-debt-counselors
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Does Not Offer Credit Counseling
Read Reviews >>
Our Score
0.9
User Score
--
  • 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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