Best Debt Companys

162 Companies 3,065 Real Customer Reviews

Debt Consolidation Companies (Full List)

Ranked by experts. Reviewed by customers.TM

#1
Consolidated Credit Reviews
Consolidation
Management
Call Now!
    Consolidated Credit has helped over five million people negotiate their debt and become debt free. Customers usually pay 30 to 50 percent less than their current monthly payments. Though the company does not display its interest rates online, it is more transparent than most in the debt management industry and will offer low-interest rates. It does have a slightly higher upfront fee, but almost everyone who leaves a review of their experience with Consolidated Credit is overly appreciative of the courteous and knowledgeable credit counselors. Consolidated Credit is a national debt relief option because it is available in all 50 states.
Read Reviews >>
Our Score
9.3
User Score
9.5

#1 Consolidated Credit

Consolidation
Management
    Consolidated Credit has helped over five million people negotiate their debt and become debt free. Customers usually pay 30 to 50 percent less than their current monthly payments. Though the company does not display its interest rates online, it is more transparent than most in the debt management industry and will offer low-interest rates. It does have a slightly higher upfront fee, but almost everyone who leaves a review of their experience with Consolidated Credit is overly appreciative of the courteous and knowledgeable credit counselors. Consolidated Credit is a national debt relief option because it is available in all 50 states.
Call Now Visit Site Read Review
#2
Consolidation
Management
Call Now!
  • Plans from $10/month
  • No credit score required
  • Free consultation & credit counseling
Read Reviews >>
Our Score
9.1
User Score
9.6

#2 Accredited Debt Consolidation

Consolidation
Management
  • Plans from $10/month
  • No credit score required
  • Free consultation & credit counseling
Call Now Visit Site Read Review
#3
DebtWave Credit Counseling Reviews
Consolidation
Management
Call Now!
    DebtWave Credit Counseling specializes in consolidating credit card debt at lower interest rates with the help of certified debt counselors for a reasonable monthly fee. Interest rates and monthly payments are low, allowing customers to save on their debt. DebtWave has an impressive list of positive reviews and incredibly loyal consumers. The company is not licensed to operate in CO, KS, MD, or NY and has limited customer service hours, which may be an issue for some customers. DebtWave Credit Counseling has been in business since 2001 and has helped over 13,000 people become debt free.
Read Reviews >>
Our Score
8.1
User Score
9.7

#3 DebtWave Credit Counseling

Consolidation
Management
    DebtWave Credit Counseling specializes in consolidating credit card debt at lower interest rates with the help of certified debt counselors for a reasonable monthly fee. Interest rates and monthly payments are low, allowing customers to save on their debt. DebtWave has an impressive list of positive reviews and incredibly loyal consumers. The company is not licensed to operate in CO, KS, MD, or NY and has limited customer service hours, which may be an issue for some customers. DebtWave Credit Counseling has been in business since 2001 and has helped over 13,000 people become debt free.
Call Now Visit Site Read Review
#4
delray_credit_counseling_review
Consolidation
Management
  • Monthly fee: $39
  • Up-front fee: up to $0
  • Offers credit counseling
Read Reviews >>
Our Score
6.8
User Score
10.0

#4 Delray Credit Counseling

Consolidation
Management
  • Monthly fee: $39
  • Up-front fee: up to $0
  • Offers credit counseling
Visit Site Read Review
#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
9.8

#5 InCharge Debt Solutions

Consolidation
Management
  • Monthly Fee: Up to $75
  • Up-front Fee: Up to $50
  • Offers Credit Counseling
Visit Site Read Review
#6
green path debt solutions logo
Consolidation
  • Monthly Fee: Up to $75
  • Enrollment Fee: Up to $50
  • Offers Credit Counseling
Read Reviews >>
Our Score
6.2
User Score
4.0

#6 GreenPath Debt Solutions

Consolidation
  • Monthly Fee: Up to $75
  • Enrollment Fee: Up to $50
  • Offers Credit Counseling
Visit Site Read Review
#7
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 Credit.org

Consolidation
  • Monthly Fee: $20
  • Up-front Fee: Up to $35
  • Offers Credit Counseling
Visit Site Read Review
#8
Consolidation
Call Now!
  • Monthly Fee: $0
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling

0+ people researching this month

Our Score
5.5
User Score
--

#8 DebtGuru

Consolidation
  • Monthly Fee: $0
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Call Now Visit Site Read Review
#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
--

#9 Christian Credit Counselors Inc

Consolidation
Management
  • Monthly Fee: Up to $75
  • Enrollment Fee: Up to $100
  • Offers Credit Counseling
Visit Site Read Review
#10
Advantage Credit Counseling Services logo
Consolidation
Management
  • Excellent Customer Service
  • Thorough Accreditation
Read Reviews >>
Our Score
5.1
User Score
9.6
#11
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
--

#11 Take Charge America

Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Up to $25
  • Offers Credit Counseling
Visit Site Read Review
#12
Solid Ground Financial
Consolidation
Management
  • Monthly Fee: Unknown
  • Enrollment Fee: Unknown
  • Not ISO Certified
Read Reviews >>
Our Score
4.3
User Score
9.9

#12 Solid Ground Financial

Consolidation
Management
  • Monthly Fee: Unknown
  • Enrollment Fee: Unknown
  • Not ISO Certified
Visit Site Read Review
#13
Family Credit Management Reviews
Consolidation
Management
  • Over 20 years in business
  • ISO certified
  • Free consultation with certified counselors
Read Reviews >>
Our Score
4.2
User Score
10.0

#13 Family Credit Management

Consolidation
Management
  • Over 20 years in business
  • ISO certified
  • Free consultation with certified counselors
Visit Site Read Review
#14
Money management International reviews
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Up to $50
  • Offers Credit Counseling
Read Reviews >>
Our Score
3.8
User Score
--

#14 Money Management International

Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Up to $50
  • Offers Credit Counseling
Visit Site Read Review
#15
Navicore Solutions Reviews | BestDebtCompanys.com
Consolidation
Management
  • Free consultation with certified counselors
  • Not ISO certified
  • Time in business: 26 years
Read Reviews >>
Our Score
3.7
User Score
5.8

#15 Navicore Solutions

Consolidation
Management
  • Free consultation with certified counselors
  • Not ISO certified
  • Time in business: 26 years
Visit Site Read Review
#16
clarifi logo
Consolidation
  • Monthly Fee: Up to $50
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Read Reviews >>
Our Score
3.7
User Score
--

#16 Clarifi

Consolidation
  • Monthly Fee: Up to $50
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Visit Site Read Review
#17
cesi_solutions
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Read Reviews >>
Our Score
3.4
User Score
3.0

#17 CESI

Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Visit Site Read Review
#18
First Choice Debt Relief Reviews | BestDebtCompanys.com
Consolidation
Management
  • Monthly fees: Undisclosed
  • Up-front fees: None
Read Reviews >>
Our Score
3.3
User Score
--

#18 First Choice Debt Relief

Consolidation
Management
  • Monthly fees: Undisclosed
  • Up-front fees: None
Visit Site Read Review
#19
one_main_financial
Consolidation
  • Monthly Fee: Unknown
  • Enrollment Fee: Unknown
  • Does Not Offer Credit Counseling
Read Reviews >>
Our Score
3.2
User Score
0.6

#19 OneMain Financial

Consolidation
  • Monthly Fee: Unknown
  • Enrollment Fee: Unknown
  • Does Not Offer Credit Counseling
Visit Site Read Review
#20
american_financial_solutions
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Read Reviews >>
Our Score
3.2
User Score
--

#20 American Financial Solutions

Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Visit Site Read Review
#21
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 Reduction Services

Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Visit Site Read Review
#22
CreditGuard of America Reviews
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Read Reviews >>
Our Score
2.9
User Score
1.6

#22 CreditGuard of America

Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Visit Site Read Review
#23
consumer_credit_130
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Read Reviews >>
Our Score
2.8
User Score
--

#23 Consumer Credit

Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Visit Site Read Review
#24
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 Progressive Debt Relief

Consolidation
Management
  • Monthly Fees: Undisclosed
  • Upfront Fees: None
  • Offers credit counseling
Visit Site Read Review
#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
--

#25 Debt Consolidation Care

Consolidation
Management
  • Monthly fees: Undisclosed
  • Up-front fees: Undisclosed
  • Offers credit counseling
Visit Site Read Review
#26
christian-debt-counselors
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Does Not Offer Credit Counseling
Read Reviews >>
Our Score
2.0
User Score
8.0

#26 Christian Debt Counselors

Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Does Not Offer Credit Counseling
Visit Site Read Review
#27
Trinity
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Read Reviews >>
Our Score
1.9
User Score
--

#27 Trinity Debt Management

Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Visit Site Read Review
#28
prosper_review
Consolidation
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Does Not Offer Credit Counseling
Read Reviews >>
Our Score
1.6
User Score
--

#28 Prosper Debt Consolidation

Consolidation
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Does Not Offer Credit Counseling
Visit Site Read Review
#29
LowerMyBills.com
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Does Not Offer Credit Counseling
Read Reviews >>
Our Score
1.4
User Score
--

#29 LowerMyBills.com

Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Does Not Offer Credit Counseling
Visit Site Read Review
#30
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 Best Egg

Consolidation
  • Monthly Fee: 5.99-29.99%
  • Enrollment Fee: 0.99-4.99%
  • Does Not Offer Credit Counseling
Visit Site Read Review
#31
armada_debt_solutions
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Does Not Offer Credit Counseling
Read Reviews >>
Our Score
0.9
User Score
--

#31 Armada Debt Solutions

Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Does Not Offer Credit Counseling
Visit Site Read Review
  • 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.

Realtime Results:

727,959,730

Dollars of Debt We've Helped!

Poll

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

Recently Reviewed:

Want us to review a company?

If there is a debt company that you don't see on our site, and would like us to review, please contact us.

Real Reviews (yes they’re real)

With so many debt relief companies out there, and a lack of sites willing to bring you the HONEST breakdowns of each company, what source can you turn to for the real information you can trust?

We are dedicated to bringing the truth out, and rank debt relief companies as they should be. Through our investigation, and experience with each company, we rank each company, and bring you our honest, unbiased opinion. We also include authentic user reviews by past customers of each company that are moderated and verified.

Like many sites, we are compensated through affiliate relationships with each company we review, however all of our rankings are based on our Ranking Criteria.

All reviews are subject to moderation and approval. Any reviews that may resemble false information, or competitors of another company will need to be verified by our staff before being approved and published. We reserve the right to approve or deny any reviews left on this site.