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Ask for a recommendation This may seem a bit awkward but you could also friends and relatives for recommendations. If they worked with a debt consolidation company, they will be able to tell you how well the process worked and how happy they were with the outcome. You should also contact the National Foundation for Credit Counseling. It can provide you with some valuable information about debt consolidation and also has a listing of reputable debt consolidation companies. Check its track record Before you choose a debt consolidation company, you should contact the Better Business Bureau, which will be able to tell you if any complaints have been filed regarding its performance. You can also contact your state's Attorney General to see if the company has had complaints filed with it. Get a no obligation quote We believe that National Debt Relief satisfies all of these criteria. We belong to the US Chamber of Commerce and adhere to the code be AFCC. Our debt counselors have years of experience working with credit card companies to get your debts reduced as much as possible and to provide you with a payment plan you'll be happy with.
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Learn more about Consolidated Credit Cons Upfront Fees Compared to other debt consolidation companies, Consolidated Credit has a slightly higher up-front origination fee – up to $49. Keep in mind that this is a one-time fee, and is either on par with or slightly higher than the upfront fees other debt relief companies charge. On top of making payments to your credit card, Consolidated Credit charges an average monthly fee of $40 (up to $79 depending on where you live). This fee allows them to help you and others pay off debt. No Guarantees Unlike debt settlement, you will have to pay back all your credit card debt and other unsecured debt (although it will most likely be at a much lower interest rate). If you fall behind on the monthly payment plan you have set up with Consolidated Credit, you will have to drop out of the program and either re-consolidated your debt, or try debt settlement. Unfortunately, Consolidated Credit does not offer a money-back guarantee for its consolidation options.
Accredited Debt Relief offers comprehensive debt solutions to consumers in need of reducing their payments and better managing their insurmountable debt. Founded in 2008, Accredited Debt Relief has grown to help thousands of people all across the United States overcome the strains associated with debt. It offers a number of debt relief options including bankruptcy assistance, credit counseling, debt consolidation, debt management, and debt settlement. Each client will be assigned to their own negotiator who will work to resolve outstanding accounts with creditors. As one of the nation's top performing debt consolidation companies, Accredited Debt Relief has proven they are capable of helping their clients reach financial freedom. View Accredited Debt Relief Reviews Customized Debt Consolidation Program Effective Account Management Online Dashboard Affordable Each consumer debt case is different. As a result, each case has to be handled on an individual basis. Accredited Debt Relief understands this concept and has created a program that allows them to offer a customized approach without taking away from the efficiency or results-driven nature of their service.
For over 25 years, Consolidated Credit has helped more than 6. 5 million people with debt relief and consolidated over $7. 8 billion of debt. With debt consolidation, people can make one monthly payment (instead of paying each creditor) each month at a potentially lower interest rate than what they are currently paying. Debt management services provided by Consolidated Credit are available nationwide. The average Consolidated Credit customer experiences the following: Positive to no impact on credit score Reduced monthly payments by 30-50% Reduced credit card interest rate to 0-11% Av. $40/month fee to Consolidated Credit No debt consolidation loan Pros Positive Consolidated Credit Reviews Want to know if Consolidated Credit is good? The best way to tell is by reading reviews from real customers. The most common word used to describe Consolidated Credit is "helpful". When you sign up for debt consolidation, you want to work with a company that is understanding, friendly, and takes time to answer your questions about the process of becoming debt free.
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5 out of 10, and reviewed debt consolidation companies on San Diego Business Journal's Best Places to Work 2017 #1 Rated Debt Consolidation Firm on Community Accredited Debt Relief understands the importance of a strong community and gives back by donating to several worthy charities each month. We support St Jude Children's Hospital, the Wounded Warrior Project, The Salvation Army, Father Joe's Villages, and the Susan G Komen Foundation.
Once you factor in everyday expenses that take up a majority of your budget, it's easy to see how credit card debt can fall to a low priority. Unfortunately, at that point high interest rates can quickly rack up your debt. Some cities in Utah are being hit particularly hard by debt. Households in certain cities such as Draper and Sandy saw a total increase of over $500 of credit card debt in a single year. In these cities especially, households are having an extremely difficult time paying down their debt. As the debt increases over time, the total amount continues to accrue interest. If you, like many others, have found yourself in a situation where you're unable to keep up with your debt, it may be time to consider getting help to find a solution. As a non-profit credit counseling agency, we can help guide you towards a path to debt-free living. What is Debt Consolidation? Debt consolidation is the process of combining multiple debt into one single payment. The goal of the program is to lower your total monthly payments and create a manageable and secure payment structure.
The reviews of Consolidated Credit say these exact things and rate them 9. 4 out of 10. Not only are the Consolidated Credit reps understanding and helpful, but they are also certified credit counselors. The company has ISO and AICCCA certificates. Many reviewers are also happy with the time it takes to pay off their debts and how effective their finance management program was. Debt Consolidation With Low-Interest Rates Before you sign up for debt consolidation with Consolidated Credit, you'll want to make sure that debt consolidation is the right path for you. The company offers a free 30-60 minutes consultation to access each individual's situation. With your permission, they will do a soft pull on your credit score (meaning it will not affect your credit score). Debt consolidation is when all your (unsecured) debts are combined into one monthly payment, usually at a lower interest rate. If you choose to work with Consolidated Credit, they will reach out to each of your creditors to see if a lower interest rate can be negotiated.
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These options offer reduced interest rates and make it easier to pay down multiple debts with one monthly payment. Debt Consolidation Overview Debt consolidation is taking out a new loan with a lower interest rate to pay off high-interest debt. Because debt consolidation reduces the interest rate, it makes it easier to pay off your debt. Many debt consolidation companies offer debt management programs. These programs manage your debt for you for a monthly fee. They also help lower interest rates. Clients make one monthly payment to the debt consolidation company, that will then ensure that it is distributed to each of your lenders. Before potential clients sign up, most debt consolidation companies offer free consultations. Debt Consolidation Cost Debt consolidation companies typically charge an enrollment fee. Some companies waive this fee. However, the enrollment fee can be as high as $100. The monthly fee for services ranges between $10 and $79. Some companies determine their fees by what their clients can afford based on their financial situation.
The debt consolidation program allows clients to essentially eliminate multiple creditors, significantly reduce monthly payments, lower interest rates on existing debts, simplify the bill-paying process through a streamline functionality, and avoid delinquencies as the debt repayment process takes place. A negotiator will work to take care of these solutions on behalf of the client and keep all aspects of debt consolidation organized and simple. Since the Accredited Debt Relief debt consolidation programs are created to fit individual needs, the negotiators and account managers will be sure to carefully examine all current debt obligations and develop an effective strategy to eliminate debt as quickly as possible. As part of the account management process, clients will be able to utilize a free consultation, which will determine exactly what work can be done on their behalf. Additionally, negotiators will provide credit-counseling services throughout the debt consolidation process to make sure any debt-creating habits are eliminated to ensure future financial success.