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#26
- Monthly Fee: Undisclosed
- Enrollment Fee: Undisclosed
- Offers Credit Counseling
0+ people researching this month
Our Score
1.9
User Score
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#22
- Monthly Fee: Undisclosed
- Enrollment Fee: Undisclosed
- Offers Credit Counseling
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Our Score
3.0
User Score
1.6
#5
- Monthly Fee: Up to $75
- Up-front Fee: Up to $50
- Offers Credit Counseling
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Our Score
6.2
User Score
9.8
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Most Recent User Review: Take Charge America
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User Score100 people found this review helpful!The process was painless. My agent did all of the work, and delivered what she promised. I would highly recommend Take Charge AmericaWas this review helpful? Yes
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- 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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