Best Debt Consolidation Providers 2020 – Leave Debt Behind You

Debt consolidation is simply a process by which you use one source of money to pay off the balance owed to multiple debtors. So, for example, you could have 3 credit cards with outstanding balances, a student loan, and a personal loan, all with balances that need to be partially paid out each month. A debt consolidation loan takes care of all of these debts and rolls them up into a single, more manageable monthly payment that is often lower than the previous payments you were making combined. When done right, debt consolidation loans can help clear up your debt and improve your credit over time. The first step is to compare the best debt consolidation providers to see which one is right for your needs.
Best Debt Consolidation Providers 2020 – Leave Debt Behind You

Debt consolidation is simply a process by which you use one source of money to pay off the balance owed to multiple debtors. So, for example, you could have 3 credit cards with outstanding balances, a student loan, and a personal loan, all with balances that need to be partially paid out each month. A debt consolidation loan takes care of all of these debts and rolls them up into a single, more manageable monthly payment that is often lower than the previous payments you were making combined. When done right, debt consolidation loans can help clear up your debt and improve your credit over time. The first step is to compare the best debt consolidation providers to see which one is right for your needs.

1

Freedom

Debt-free within 3 years

Freedom Debt Relief Review

Freedom Debt Relief offers a wealth of experience and assistance, with a strong name in customer support and care. …
  • Minimum Debt$7,500
  • APRNone
  • Loan Terms*N/A

Freedom DRis probably the biggest name in debt relief in the country. It works on the debtor’s behalf to negotiate a lower debt amount, kind of like debt forgiveness programs. What makes Freedom DR so successful is its powerful negotiation skills. Many customers have ended up settling 50% of their debts, only having to pay half of what they originally owed.

Freedom DR offers consumers a free consultation with a professional debt consultant to help figure out your best move. The consultant will create a customized game plan appropriate for your situation and debt, so consumers end up paying significantly less and paying off their debt in just a few years.

Read Freedom DR Full Review

Positive
  • Multiple debt relief loan options
  • Free consultation with certified debt consultant
  • Pay off debt in 2-5 years and save
Negatives
  • Debt settlement requires not paying your debt for a period
  • Doesn’t work with collateral-based and federal loans debt
2

ClearOne Advantage

The clear choice for fast debt settlement loans

ClearOne Advantage Review

ClearOne Advantage offers customers an effective and relatively quick way to overcome debt that has spiraled out of …
  • Minimum Debt$10,000
  • APRNone
  • Loan Terms*N/A

ClearOne Advantage is certainly that for most consumers holding significant debt. Working with people who have a minimum of $10,000 in various types of debt, ClearOne Advantage helps consumers reduce the amount of debt owed, work out a reasonable repayment plan, and help them stay on target with a dedicated deposit account for their debt repayment.

Veterans in the finance industry, ClearOne Advantage founders aim to help consumers resolve their debt in less than 48 months. That’s a record time for this industry. What’s more, ClearOne Advantage works with one of the widest ranges of debt types, including child support, credit card debt, medical bills debt, and credit union debts. Plus, ClearOne Advantage keeps you behind the wheel at all times. All debt settlements are authorized by the consumer, so nothing happens unless you give it the green light.

Read ClearOneAdvantage Full Review

Positive
  • Personalized debt repayment plans
  • A+ rating with BBB
  • 100% satisfaction guarantee
Negatives
  • Doesn’t offer consolidation loans
  • Not enough information online
3

Accredited DR

Knowledge is power, get educated

Accredited Debt Relief Review

Accredited Debt Relief is ideal for consumers who have debt from several sources and are looking to consolidate, …
  • Minimum Debt$10,000
  • APRNone
  • Loan Terms*N/A

Accredited DR is another excellent choice if you’re looking for a way to reduce your debt, get debt-free, and avoid bankruptcy altogether. Offering multiple debt-relief options, including debt settlement, debt consolidation, and debt management, Accredited DR will tailor your debt relief solution to match your specific situation. You’ll fill out a quick online form, and then Accredited DR will do the rest.

Accredited DR offers consumers a free consultation with a professional debt manager to help get things started. And what’s even more encouraging about this company is the tremendous accolades it boasts. From an A+ Better Business Bureau rating to an Excellent 5-Star reputation from TrustPilot and more, Accredited DR is known for sterling customer service.

Read Accredited DR Full Review

Positive
  • AFCC accredited
  • Online dashboard to keep tabs on your debt settlement
  • No fees until your debt is settled
Negatives
  • Not available in all 50 states
  • May receive calls from creditors until debt is settled
4

Debtadvisor

Your one-stop-shop for all debt relief options

Debtadvisor Review

Debt Advisor is an online marketplace that matches users with debt settlement providers. The service is free of …
  • Minimum Debt$5,000
  • APRVaries based on loan provider
  • Loan TermsVaries based on loan provider

Debt Advisor is a professional network dedicated to helping consumers find the right debt relief solution for them. Whether you’re looking for debt relief in the form of a debt consolidation loan, want help getting debt settlements, need to manage your student loans, aren’t sure what to do about tax debt, or any number of the many issues that land people in financial debt, Debt Advisor has the solution to help.

Fill out a brief form and get connected to a professional debt consultant in minutes. Debt Advisor is particularly beneficial for consumers because of its wide range of options and consultants. The network works with every variety of financial consultant, so you aren’t limited in your options. Debt Advisor is a member of the American Fair Credit Council, so consumers can rest assured that they are being cared for properly.

Read Debt Advisor Full Review

Positive
  • Both loans and debt relief options
  • Totally free service that works in minutes
  • Flexible debt amounts
Negatives
  • Doesn’t have any debt relief solutions directly
  • No live chat option
5

Fiona

Putting the fine back in finance

Fiona Review

Fiona works with known brands in the alternative lending space and offers real-time pre-approval options from …
  • Minimum Debt$1,000
  • APR3.84%
  • Loan Terms24-84 months

Fiona is the quintessential financial product for the 21st century. It’s friendly, it’s chic, and what’s more, Fiona could help you save considerably while paying off your current debt. Like LendingTree and Credible, Fiona works with the top lenders in the country from Marcus by Goldman Sachs to Best Egg and OneMain Financial, to find you the lowest rates and the most flexible loan terms possible.

Using Fiona, consumers can take out a debt consolidation loan, pay off all of their debtors simultaneously, and be left with a single monthly payment to make. That’s a lot more manageable than chasing multiple collectors each month. Fiona lets you quickly and efficiently compare different loan rates. It’s also nice that you can sort the quotes by APR, lender, payment amount, or loan terms, so you can make an educated decision based on your most important criteria.

Read Fiona Full Review

Positive
  • Excellent comparison and filtering tools
  • Works with the best lenders in the country
  • Friendly, easy to use system
Negatives
  • Not a direct lender
  • Lots of offers can get overwhelming
6

Pacific Debt

A reputation for reliable and quality service

Pacific Debt Relief Review

Pacific Debt Relief helps consumers free themselves of debt within 4 years, with reductions of up to 50%. Its …
  • Minimum Debt$10,000
  • APRNone
  • Loan Terms*N/A

Pacific Debt has been helping people settle their debts for almost 2 decades now, and it’s successfully managed close to $200 million worth of debt. Known to be reliable, Pacific Debt has earned an A+ rating from the Better Business Bureau. That rating means the company has proven itself to be trustworthy, reliable, and consistent in coming through with its promises. Bottom line, Pacific Debt is a company you can trust.

Pacific Debt offers assistance dealing with all types of unsecured debt, from overwhelming credit card debt to debilitating medical bills and beyond. The company takes no upfront fees. You only pay if and when your debt is settled. Pacific Debt works with people who have as little as $10,000 in unsecured debt, so it’s a viable option for just about anyone struggling with financial hardship.

Read Pacific Debt Full Review

Positive
  • Average savings is 20%-50% of original debt
  • Highly-reputable in the industry
  • No upfront fees
Negatives
  • Doesn’t work in all states
  • Will receive creditor calls
7

US Financial Alliance

Managing debt has never been simpler

US Financial Alliance Review

US Financial Alliance offers customers a unique and relatively quick way to overcome debt and return to a strong …
  • Minimum DebtUndisclosed
  • APRNone
  • Loan Terms*N/A

US Financial Alliance offers both consumer and business debt relief solutions. It provides people with several options for handling their debt, including consumer credit repair and building, loan modification, student loan refinancing, and of course, debt relief. US Financial Alliance works with all types of unsecured debt, including non-federal student loans, credit card debt, repossessed car loans in collection, utility bills, and personal loans.

US Financial Alliance helps consumers get out of debt on average in 3 years or less. And with the debt relief program, most people end up paying significantly less than the original sum owed. Using practiced negotiation skills, US Financial Alliance fights on your behalf to lower the amount of debt you owe, so you can get out of debt faster and more comfortably.

Read Financial Alliance Full Review

Positive
  • Be debt-free in 24-48 months
  • Works with a wide range of unsecured loans
  • Free financial assessment
Negatives
  • No debt consolidation loans available
  • Have to wait out the entire program once you start
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