Debt Consolidation

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Chevron Funding
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Chevron Funding just popped up on our radar and so far we don't like what we see. The industry is filled with fly by night operators offering consumers low interest rate loans only to later flip them to a more expensive debt negotiation program. If you are looking to settle debts, we suggest checking out our Top 6 Debt Consolidation Reviews.
Top 6 Debt Consolidation Reviews
Glider Lending
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Glider Lending just popped up on our radar and so far we don't like what we see. The industry is filled with fly by night operators offering consumers low interest rate loans only to later flip them to a more expensive debt negotiation program
Top 6 Debt Consolidation Reviews
Americor Cash
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Americor Cash aka Americor Funding aka Americor Financial is one of the many debt settlement companies popping up that promises to help you climb out of a financial pit. Unfortunately, it seems like Americor Cash is yet another bait-and-switch company that is prying on people with a poor financial record and further plunging them into debt or financial crisis with poor advice.
Top 6 Debt Consolidation Reviews
Americor Financial
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Americor Financial, a/k/a Americor Funding a/k/a Americor Cash is one of the many debt settlement companies popping up that promises to help you climb out of a financial pit. Unfortunately, it seems like Americor Funding is yet another bait-and-switch company that is prying on people with a poor financial record and further plunging them into debt or financial crisis with poor advice.
Top 6 Debt Consolidation Reviews
Stallion Lending
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WARNING: STALLION LENDING IS PART OF THE DEBT CONSOLIDATION COMPLAINT MACHINE AND THEY HAVE NO SIGNS OF SLOWING DOWN.

Stallion Lending (StallionLending.com) is connected to Salvation Funding, Pebblestone Financial, Lafayette Funding, Graphite Funding (Graphitefunding.com), Bridgeline Funding, Guardian Angel Funding, Broadstar Financial, Continental Lending, Crestmont Funding, Doublestar Financial, and Sovereign Funding. All of these websites are somehow connected to MEC Distribution, LLC.
Top 6 Debt Consolidation Reviews
Sussex Funding
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WARNING:  Top6Debt.com has received recent complaints regarding Sussex Funding’s business practices. Consumers believe they are applying for a loan when in fact they will be referred to an outside attorney to negotiate their debts and charge additional fees. Due to a mix of bait and switch tactics, an aggressive sales team and poor customer support, we can not in good faith recommend Sussex Funding. Their method of approaching customers is borderline bullying and their strategies used to sell their services are at the very least questionable. Possible connections to Salvation Funding, Lafayette Funding,  Pebblestone Financial, Broadstar Financial, Graphite Funding, Stallion Lending, Greenlink Financial.
Top 6 Debt Consolidation Reviews
Capital Home Advocacy Center
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WARNING

On February 20, 2018 Capital Home Advocacy Center was issued a Cease and Desist order by the State of New Mexico Attorney General. The order settles allegations that the business charged advanced fees, misrepresentations and failed to provide required disclosures for mortgage assistance services. Under terms of the order, the business agreed to refrain from contracting with any New Mexico consumer to provide these services, refrain from the collection of payment for these services, refrain from any further solicitation by any means to include by telephone solicitation, mail or advertising in New Mexico and immediately refund any moneys received from New Mexico consumers for debt settlement services.

Please see order to Capital Home Advocacy Center cease and desist from Connecticut Department of Banking.
Top 6 Debt Consolidation Reviews
Amscot Corporation
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Amscot provides a wide variety of financial services to its customers including check cashing, money orders, and cash advances.

COMPLAINT WARNING:

AMSCOT HAS 41 COMPLAINTS ON THE RIP OFF REPORT.
AMSCOT HAS A ONE STAR RATING ON CONSUMER AFFAIRS BASED ON 24 REVIEWS.
Top 6 Debt Consolidation Reviews
GreenLink Financial
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The company website states that Greenlink Financial “is a leader in the consumer finance industry. With over 20 years of combined financial advisory experience, we’ve helped thousands of people resolve their financial struggles and get back on the path towards financial freedom.”

The company websites states that the company holds a California Department of Business Oversight Finance Lenders Law License #60DBO-41845 but this has not been verified.

On its website, Greenlink Financial offers Personal Loans of $1,000 to $35,000 and Business Loans of $5,000 to $100,000. It also utilizes direct mail offers to acquire customers.

At closer inspection, the company appears to be using debt consolidation loan offers to broker loans AND DEBT RELIEF programs. This is a popular tactic used today.
Top 6 Debt Consolidation Reviews
Lending Kernel
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The company website states:

Personal Loans Up To $20,000 – Open 24/7. Borrow Today.

All Credit Types Accepted. Quick & Easy Application. Funds The Next Business Day. Safe, Secure & Compliant.

There is no address listed for the company. They are a member of the Online Lenders Alliance (OLA), an association that includes online payday and installment lenders among its membership.
Top 6 Debt Consolidation Reviews
Peak Lending Network
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Peak Lending Network is one of many financial companies that are promising to help you get out of debt. Debt consolidation is a big industry nowadays because many people are still struggling with their payments. Be it student loans or financing deals that have been accumulating interest for a long time, Peak Lending Network represents a growing trend in the financial market, but it’s unfortunate that there are far more shady businesses than actual legitimate ones that do what they advertise.
Top 6 Debt Consolidation Reviews
Guide To Lenders
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Guide To Lenders provide a service that helps to connect customers with lending providers. Their service which can sometimes feel "invisible" seeks to make the application process easier for customers who are looking for a way to consolidate personal debt into one easy payment. The company has been in operation since 2005 and works with a network of over 150 lenders on products which also include mortgages along with its debt consolidation and personal loan services.
LendingTree Debt Consolidation
Top 6 Personal Loan Reviews
National Debt Relief
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National Debt Relief is the industry powerhouse. They offer a popular, valuable service to consumers who are struggling with personal debt. They offer a range of different solutions for debt management problems, but are best known for their ability to arrange full debt settlements for between 30-50% of the what the customer owes.

The company has been in operation for over eight years, and offer help to customers in the vast majority of states. Let’s look deeper into this company and see if it offers a genuine debt solution for customers.
Top 6 Debt Consolidation Reviews
PersonalLoans.com

PersonalLoans.com offers a way for potential loan borrowers to search for a loan provider - even if you have bad credit. A customer fills in a form with PersonalLoans.com, and the company then seeks to match the borrower with a lender that suits their need and loan between $1,000 and $35,000. The service promises efficiency and the ability to search multiple providers on behalf of the customer.
PersonalLoans.com Reviews
Top 6 Debt Consolidation Reviews
Freedom Debt Relief
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Freedom Debt Relief is a debt relief company that is part of the larger Financial Freedom Network LLC. Freedom Debt Relief offers a solution for customers with large debt problems, helping to negotiate with creditors and allow customers to pay less than the amount owed on their debts. The company is the largest of its kind in the U.S., and has helped to settle debts for over half a million clients. They have resolved over $8.5 billion in debt for their clients since they began offering their services in 2002.
FIONA
FIONA (3)
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FIONA Financial is a personal loan matching service. They seek to help you find the best loans with the lowest interests and most benefits. Borrowers are matched with different loan providers that have a high chance of approving their application. This essentially saves you a lot of time, hassle and money when looking for a personal loan.
Lafayette Funding
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Lafayette Funding believes that there isn't one reason that people get into credit card debt. Just like there is no one size fits all solution. At Lafayette Funding, they take the time to understand your personal history and create a program that is a solution for you.  They want to help you get on the path to financial health and freedom from high interest credit card debt.
Top 6 Debt Consolidation Reviews
100 Lenders
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Please note that 100 Lenders is a lending network, NOT a lender. Our service is completely free and all the loan terms are between you and the lender. Each lender has different loan terms, such as the loan amount, the APR for the loan, repayment schedules, etc. After submitting your information, if you are selected by a lender, 100 Lenders will redirect you to the lender’s website where you will be able to review and ultimately decide if you would like to agree to the terms and conditions of the loan. In many cases, the lender will then contact you to confirm your personal information and finalize the loan. They may contact you via telephone, email, text messages, etc. Please make sure that you respond in a timely manner to ensure that funds are deposited as quickly as possible. For details, questions or concerns regarding your cash advance, please contact your lender directly.”

PLEASE NOTE THE COMPANY'S WEB SITE ALSO STATES:

If you are connected to a tribal lender, please understand that the rates and fees may be higher than state-licensed lenders and you may be required to agree to resolve any disputes in a tribal jurisdiction
Top 6 Debt Consolidation Reviews
AVANT
AVANT (1)
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AVANT operated an online lending platform. Starting in 2012, Avant’s mission was to lower the barriers and costs of borrowing. AVANT claims on its website that over “600,000 borrowers have been helped by transparent and convenient personal loans.”
Top 6 Debt Consolidation Reviews
Americor Funding
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Americor Funding is one of the many debt settlement companies popping up that promises to help you climb out of a financial pit. Unfortunately, it seems like Americor Funding is yet another bait-and-switch company that is prying on people with a poor financial record and further plunging them into debt or financial crisis with poor advice.
Top 6 Debt Consolidation Reviews
Arvest Bank

Arvest Bank has built a 50-year history of helping our customers make the most of their money by providing easy-to-use financial tools. The Balance Eraser Program can put yourself on a path to financial well-being by consolidating higher-interest credit card balances into one fixed-rate loan.
Top 6 Debt Consolidation Reviews
Fast Track Financial Debt
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Fast Track Financial doesn’t really advertise itself as anything in a professional sense. Fast Track Financial’s website claims that they help to get you back on track financially, but they don’t actually state that they are a debt consolidation company, or do they actually specify what they mean by helping you get on track outside of borrowing money. This should already indicate a sign of a bad business. Businesses that tip-toe around words and try to give you vague descriptions are businesses that should be avoided. If even their main website does not say what they’re experts at, then it’s clear that they will not be providing a good service and will constantly try to play with words in order to trick you. However, we believe that all services deserve a fair review and that’s what we’re going to go through the Good, Bad and also a Bottom Line on Fast Track Financial and if we can recommend it to you as a company.
Top 6 Debt Consolidation Reviews
FSB Lending Debt

FSB Lending is the lending subsidiary of The Farmers State Bank based in Holton, Kansas. FSB Lending offers the following loan products: Agricultural Loans, Commercial Loans, Consumer Loans, Real Estate Loans, & Mortgages. The Farmers State Bank of Circleville was chartered October 27, 1900 with $5,000.00 and at present has over $60 million in assets. In 1989, Farmers State Bankshares, a bank holding company, was formed. All shares of The Farmers State Bank are now held by the holding company with all shareholders exchanging shares of bank stock for shares of holding company stock. The corporate stock continues to be closely held by many of the same area families. The bank has been known as a farmers’ bank. It has built a reputation for conservative values.
Top 6 Debt Consolidation Reviews
Instafinancial
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InstaFinancial is all about helping you get back on track financially.

With an array of products that can be tailored to each borrower’s needs, there is a solution. Our focus is on accelerating your success with an offering of benefits to help struggling borrowers and businesses get ahead.

InstaFinancial has helped thousands of borrowers obtain financing for a wide range of purposes at a time when lenders are being tight with money and lending.
Our team of finance professionals are committed to helping consumers and businesses obtain loans faster, easier, and with straightforward, manageable terms that work for the borrower. When you need help in getting approved for a loan, InstaFinancial can help.
Top 6 Debt Consolidation Reviews
LendingSuite
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The company website states:

Lending Suite was designed to help customers get the cash they deserve for all situations no matter your credit situation. By providing your information in our secure form, we are able to help you get the loan you want, up to $15,000 or more.

Lending Suite is a 100% free to apply service. You can be approved in a matter of minutes and your money will be directly deposited into your account within one day. You can even apply from your mobile device! All credit types are welcomed, and depending on your financial situation, enjoy the option to repay your loan over time, with flexible payments, or pay all at once with no penalties.

RED FLAG: LendingSuite does not provide any information on the management of the company.
Top 6 Debt Consolidation Reviews
Nationwide Debt Reduction Services
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The Nationwide Debt Reduction Services website states:

Are you struggling with credit card debt? You are not alone. Millions of Americans are dealing with high credit card interest rates, unstable employment and fear of the unknown. It is best to know your options as you focus on resolving your credit card problems.

There is very little information on the company’s website on management. This is a red flag. The company has two listed complaints with the Better Business Bureau. We are not aware of any regulatory actions against the company at this time.
Top 6 Debt Consolidation Reviews
New Direction Debt Relief
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New Direction Debt Relief's web site states:

How can you trust we place your interests before ours?

With hundreds of companies competing for your business, some legitimate and some scams, how do you decide which one to choose?

When considering a debt relief company, make sure they do not ask you for any money before providing you with the debt relief service. Our slogan, ‘no result no fee’, is a clear indication that we stand behind our service While most companies offer a money back guarantee, 100% satisfaction and other promises that may seem enticing on the surface, we are different from them, WHY? Because we offer the ONLY “Better Than Iron Clad Guarantee” in the industry.

What is the ‘Better Than Iron Clad Guarantee’? While other companies charge you a fee up front and promise a refund. We NEVER charge you a fee until we have delivered a debt relief result!

That is what makes us different. You pay us nothing zero, until we deliver a result for you. So what does that mean to you? You have no money to risk and we do all the work for you. When is the last time you dealt with a company that put your interest over theirs?
Top 6 Debt Consolidation Reviews
Tremont Lending
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Tremont Lending is owned and licensed by the Big Valley Band of the Pomo Indians, which is a Native American business operating within the exterior boundaries of its Reservation, a sovereign nation located within the United States of America. Our corporate offices are located at 2726 Mission Rancheria Rd., Lakeport, CA 95453.

The company’s website states, “Get The Cash You Need Overnight!”
Top 6 Debt Consolidation Reviews
Trinity Debt Management
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Trinity Debt Management's web site states that "Our spiritual well being is often hampered by overwhelming earthly concerns, such as too many bills and angry creditors. Indebtedness can affect everything from personal relationships to physical and emotional health. It’s an endless cycle of making, spending and owing money. As a non-profit agency, Trinity provides counseling and debt management services for individuals and families who are experiencing debt problems. Whatever the form of debt, our agency is here to help.”

The company is not rated by the Better Business Bureau. We are unaware of any regulatory actions against Trinity Debt Management.

Records indicate that company has been known by various other names:

Mid-America Credit Counseling

According to the IRS, Trinity Credit Counseling is a 501(c)3 organization. It’s 2015 filing states $3,869,845 in assets, $3,748,066 in income, $3,208,070 in expenses, $280,416 in liabilities. Total Charitable Contributions for 2015 were $19,800
Top 6 Debt Consolidation Reviews
Broadstar Financial
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The Company web site states "at Broadstar Financial, we know that there is no one-size fits all solution when it comes to managing your debt. Every family is different based on its own set of financial, logistical and emotional circumstances. If you are looking to ease your existing debt load, we will explore alternatives for you to pay off your credit cards at a lower rate that what you may be currently paying.Broadstar Financial reviews applications to determine if individuals are eligible for loans. If they are eligible, their loan applications are then referred to a loan company. If they do not qualify, Broadstar Financial is unable to assist them in getting a loan.
Top 6 Debt Consolidation Reviews
Credit Associates
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Around March 2016, CBS affiliate WFNY ran a segment on Credit Associates titled FACT CHECKING DEBT HELP COMMERCIAL. They concluded with Bottom Line you can probably get rid of your debt without this company.  According to Lechelle Yates of WFNY, Credit Associates Inc did not respond to the segment. Credit Associates is a debt settlement company based in Dallas, Texas. With over 11 years in business, the company promises to help clients “live better, debt free”. Many people will be familiar with its television and radio advertisement. 
Top 6 Debt Consolidation Reviews
CuraDebt
CuraDebt (1)
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The team that founded CuraDebt had been helping individuals and small businesses locally since 1996 (in Irvine, California). In 2000, CuraDebt was formed to help even more people nationwide. CuraDebt has been helping individuals and small businesses for over 16 years nationwide making the company and team one of the oldest and most experienced in the debt relief industry. CuraDebt Tax has a team of representatives that are qualified to provide help to both individuals and small businesses IRS or State tax solutions. The tax team has over 100 years combined experience with over 83 of it previously working at the IRS or other taxing authorities. CuraDebt has an in-house debt relief program that is designed to help during times of financial hardship and save as much money as possible with your unsecured debt.

Call CuraDebt TOLL FREE at (866) 294-5267
Curadebt Reviews
Top 6 Debt Consolidation Reviews
Sofi Personal Loans

SoFi is a new kind of finance company taking a radical approach to lending and wealth management. From unprecedented products and tools to faster service and open conversations, we’re all about helping our members get ahead and find success. Whether they’re looking to buy a home, save money on student loans, ascend in their careers, or invest in the future, the SoFi community works to empower our members to accomplish the goals they set and achieve financial greatness as a result.
Top 6 Debt Consolidation Reviews
Signature Preferred Financial Solutions
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Preferred Financial Services is a debt settlement company that offers an easy and affordable way to reduce your credit card debt dramatically, so you can get out of debt faster. Our experienced debt reduction specialists have helped thousands of consumers eliminate credit card debt and avoid filing for bankruptcy. We negotiate with your creditors to reduce the principal amount you owe, typically by 50%, potentially saving you thousands of dollars!
Top 6 Debt Consolidation Reviews
Lender BBB
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Lender BBB offers debt consolidation and debt settlement services. Debt consolidation is combining several unsecured debts — credit cards, medical bills, personal loans, payday loans, etc. — into one bill. Instead of having to write checks to 5–10 creditors every month, you consolidate bills into one payment, and write one check. This helps eliminate mistakes that result in penalties like incorrect amount or late payments.

There are three major types of debt consolidation: Debt Management Plans, Debt Consolidation Loans and Debt Settlement. 
Top 6 Debt Consolidation Reviews
Credit Sesame
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Credit Sesame is a fast-growing credit and loan management platform that is changing the way consumers apply for and manage their credit. As a strong consumer advocate, we provide consumers the free tools they need to reach their financial goals. Since launching in 2010, Credit Sesame has helped millions of consumers find better financial products and do more with their credit score. Their mission is to empower people to take charge of their credit and loans and achieve their financial goals. Its all FREE. When you sign-up for a free Credit Sesame account you get the benefits of bank-level analytics developed with scientists from UC Berkeley and Stanford. Millions of people have already signed-up and benefited from this free product and you can too.
Top 6 Debt Consolidation Reviews
Piper Funding Debt
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Piper Funding just popped up on our radar and so far we don't like what we see. The industry is filled with fly by night operators offering consumers low interest rate loans only to later flip them to a more expensive debt negotiation program. If you are looking to settle debts, we suggest checking out our Top 6 Debt Consolidation Reviews.

Piper Funding's web site states:
Make life debt free with Piper Funding - Sometimes balances build up and you can feel overwhelmed. A low-interest rate debt consolidation loan from Piper Funding can help you eliminate that feeling with one easy payment. All you need to do is complete our intake.
Top 6 Debt Consolidation Reviews
Global Client Solutions Debt
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In 2003, Global Client Solutions (Global) introduced its revolutionary Dedicated Account savings solution to the debt settlement industry. As an independent third-party payment processor, Global has provided FDIC insured accounts to more than 1.8 million consumers and to thousands of companies. Global was founded with the vision of providing exceptional value and service and is dedicated to the development and delivery of quality financial products.

Headquartered in Tulsa, Oklahoma, Global prides its self on offering exceptional customer service paired with a strong focus on regulatory compliance. Global is committed to leading the industry in processing capabilities and as a result of that commitment recently invested in a technological infrastructure typically reserved for much larger top shelf companies.

Aug 25, 2014: CFPB Takes Action Against Global Client Solutions for Processing Illegal Debt-Settlement Fees
Top 6 Debt Consolidation Reviews
Global DS Group Debt
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A cause for concern is that Global DS Group does not list an address or provide information about management.

The company has also been connected to United Tax Group, New Beginnings Debt Settlement and MM Marketing Group.
Top 6 Debt Consolidation Reviews
SPF Saves
SPF Saves (1)
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SPF Saves, also known as Simple Path Financial or SPF Savings claims on its website that it will

"GET THE LOAN YOU NEED TO ACHIEVE YOUR GOALS"

We have seen a lot of recent activity and inquiries for spfsaves.com. We have not accumulated enough reviews or complaints to make a formal recommendation. We advise to use caution. There is very little information on the company's web site.
Top 6 Debt Consolidation Reviews
inCharge Debt Solutions
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The company website states:

InCharge Debt Solutions is a 501(c)(3) nonprofit organization offering confidential and professional credit counseling, debt management services, bankruptcy education, housing counseling and educational initiatives promoting financial literacy since 1997. InCharge is trusted and reputable and has helped over a million people like you repay a staggering $2.8 billion in debt. With an A+ rating from the Better Business Bureau, InCharge is also a member of the National Foundation for Credit Counseling (NFCC) and is accredited by the prestigious Council on Accreditation (COA). When your financial future is a stake, you want to partner with a trusted leader who provides sound, legitimate and proven solutions for getting out of debt.

The company is rated A+ by the Better Business Bureau and has 10 complaints and 2 negative reviews.
Top 6 Debt Consolidation Reviews
Simple Path Financial
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SPF Saves, also known as Simple Path Financial or SPF Savings claims on its website that it will

"GET THE LOAN YOU NEED TO ACHIEVE YOUR GOALS"

We have seen a lot of recent activity and inquiries for spfsaves.com. We have not accumulated enough reviews or complaints to make a formal recommendation. We advise to use caution. There is very little information on the company's web site.
Top 6 Debt Consolidation Reviews
Pebblestone Financial
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WARNING: Pebblestone Financial is connected to Salvation Funding, Lafayette Funding, Stallion Lending, and Graphite Funding.

The company website states that Pebblestone Financial "Helps Rebuild Financial Foundations. STRENGTHEN YOUR FINANCIAL FOOTING WITH A LOW RATE DEBT CONSOLIDATION LOAN."

The company is also connected to MEC Distribution LLC and Clarence O'Berry. We are unaware of any regulatory action against the company.
Top 6 Debt Consolidation Reviews
Vantage Acceptance
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Vantage Acceptance takes pride in the results they are able to accomplish for their customers seeking financial freedom. With years of experience behind the company, the national negotiators know what works and what doesn't. They've worked hard to establish creditor and collector relationships, which allows them to achieve exceptional results for customers every day and settle their credit card debt.
Top 6 Debt Consolidation Reviews
321 Loans
321 Loans (1)
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The FTC and Florida allege that the defendants falsely claimed non-profit status to appear more credible and legitimate. The defendants then promised consumers guaranteed debt consolidation loans for tens of thousands of dollars with attractive interest rates and significantly lower monthly payments than consumers were paying their creditors. Once consumers agreed to the purported loan, the defendants almost immediately debited the consumers’ bank accounts for an initial loan “repayment” or a processing fee, and then kept debiting consumers’ bank accounts each month, in amounts ranging from $200 to $1,000 or more. The FTC and Florida charge that the defendants, despite taking these monthly payments, failed to extend consumers the promised debt consolidation loans.
Top 6 Debt Consolidation Reviews
Helping America Group
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A phony debt relief operation that bilked tens of millions of dollars from individuals, including the disabled and elderly, based on the promise it could lower their debt burden is out of business after a federal court temporarily halted the scheme. 

A lawsuit filed jointly by the Federal Trade Commission and the State of Florida accused 11 companies operated by Jeremy Lee Marcus, Craig Davis Smith and Yisbet Segrea of defrauding cash-strapped individuals looking for help managing their debts.

These companies, doing business under names such as 321Loans, Credit Specialists of America, Financial Freedom National, Helping America Group, and Instahelp America, represented an interrelated network that purported to provide consumers with a number of debt relief options, such as making payments for customers, lowering interest rates, providing new bogus loans to cover debts, or wiping away bills.
Top 6 Debt Consolidation Reviews