
Disclosure: We receive advertising revenue from some partners. Learn More
- Freedom Debt Relief
- OUR PARTNER
- EDITOR'S SCORE
- 9.85 / 10
- SUMMARY
- Largest US Debt Settlement Company
Over 615,000 Clients
Over $9 Billion of Debt Resolved Since 2002
Ranked #1 By Top 6 Digital
TrustPilot 9.0 Rating - WHAT WE LIKE
- $10,000 Minimum Debt
No Upfront Fees
No Minimum Credit Score
24 to 48 Month Program - AVAILABILITY
- Clients NOT ACCEPTED in the following states: CO, CT, GA, HI, IL, KS, ME, ND, NH, NJ, OR, OH, RI, SC, VT, WA, WV, WY
- Guide to Lenders
- OUR PARTNER
- EDITOR'S SCORE
- 9.75 / 10
- SUMMARY
- Free Resource To Help Loan Shoppers Get Best Loan Deals
Served Over $16 Billion In Loan Requests Since 2005
Get Up To 5 Loan Offers In Minutes
Ranked #1 For Top 6 Personal Loan Reviews - WHAT WE LIKE
- Loan Amounts of $1,000 to $40,000
24 to 84 Month Loan Terms
APR of 5.99% to 35.99%
Network of Over 150 Lenders - AVAILABILITY
- Every state has its own set of rules and regulations that govern personal loan lenders. Your loan amount, APR and repayment term will vary based on your credit worthiness, state and lender or lending partner.
- Lending Tree
- OUR PARTNER
- EDITOR'S SCORE
- 9.5 / 10
- SUMMARY
- Largest Lending Network in the United States
Rated A- by the Better Business Bureau
Get Up to 5 Loan Offers In Minutes
Ranked #1 For Top 6 Mortgage Refinance Reviews - WHAT WE LIKE
- Loan Amounts of $1,000 to $50,000
3 to 15 Year Loan Terms
No Minimum Credit Score
24 to 48 Month Program - AVAILABILITY
- Every state has its own set of rules and regulations that govern personal loan lenders. Your loan amount, APR and repayment term will vary based on your credit worthiness, state and lender or lending partner.
- PersonalLoans.com
- OUR PARTNER
- EDITOR'S SCORE
- 9 / 10
- SUMMARY
- Provides Personal Loan Network Focused On Less Then Perfect Credit
Member of the Online Lenders Alliance
Offers Peer to Peer Loans, Personal Installment Loans and Bank Personal Loans
- WHAT WE LIKE
- Loan Amounts of $500 to $35,000
90 Days to to 6 Year Loan Terms
No Minimum Credit Score
APR of 5.99% to 35.99% - AVAILABILITY
- Every state has its own set of rules and regulations that govern personal loan lenders. Your loan amount, APR and repayment term will vary based on your credit worthiness, state and lender or lending partner.
- Accredited Debt Relief
- OUR PARTNER
- EDITOR'S SCORE
- 9 / 10
- SUMMARY
Nationally Recognized Debt Settlement Company with a Commitment to Customer Satisfaction
Rated A+ by the Better Business Bureau
Accredited Member of American Fair Credit Council
Personal Account Manager To Help Resolve Debt- WHAT WE LIKE
- $7,500 Minimum Debt
No Upfront Fees
No Minimum Credit Score
24 to 48 Month Program - AVAILABILITY
- Clients accepted in the following states: AK, AL, AR, AZ, CA, DC, FL, IA, ID, IN, MA, MD, MI, MO, MS, MT, NC, NE, NM, NV, NY, OK, PA, SD, TX, TN, UT, VA, WI
- Credit.org
- EDITOR'S SCORE
- 9 / 10
- SUMMARY
- Credit.org is approved to provide consumer credit counseling services to individuals across the United States
As a nonprofit credit counseling organization, credit.org is required to comply with a variety of state and federal laws.
Credit.org is also registered as a charitable organization in thirty-six states. - WHAT WE LIKE
- Free Credit Counseling
Review Your Credit Report
Improve Your Credit Score
Budgeting Tools & Calculators - AVAILABILITY
- Credit.org has obtained a Certificate of Authority to conduct business in all fifty states and the District of Columbia, and is licensed to provide debt management related services in thirty-two states where required.
Consumer Debt in America
At the close of 2017, consumer credit card debt in America reached close to $1 trillion. Credit card balances continued to climb and most consumers laid the blame on their own unnecessary spending. The average household that carried credit card debt had an average balance of just under $16,000.Living costs have increased compared to income. A significant rise in medical costs and food prices compared to income have contributed to this negative cycle.What are my Options for Debt Relief?
- Pay Off Your Debt In Monthly Installments
- Work with a Debt Settlement Company
- Qualify for a Debt Consolidation Loan
- Join a Debt Management or Credit Counseling Program
- File for Bankruptcy
Pay Off Debt In Monthly Installments
If your debt is manageable, you can pay off your debts in monthly installments and manage the entire process on your own. You should keep in mind that if you can only afford to make the minimum monthly payment, you may be in for a long ride.A $2,000 credit card balance that carries an 18% annual rate can take just over 30 YEARS to pay off in you only make the 2% minimum monthly payment every month.Work With a Debt Settlement Company
Debt settlement is an increasingly popular option. Freedom Debt Relief, our top rated debt settlement company, negotiates with your creditors on your behalf.The goal is to reduce the total amount you owe, have the creditor take a loss on the remaining debt balance, and agree to a new deal with creditors to make monthly payments over a 2 to 5 year period. A debt settlement program will negatively affect your credit score but it will allow you avoid bankruptcy and your credit score will likely improve once you complete the program.Qualify for a Debt Consolidation Loan
A debt consolidation loan is the process of combining many unsecured debts (credit cards, medical bills, etc.) with high interest rates into one loan with a lower monthly payment. If your goal is to become debt free, a good debt consolidation loan should bring you monthly savings and help you improve your credit score. Guide to Lenders operates an online lending marketplace that will let you know in just a few minutes what type of debt consolidation loans you qualify for.What is a Debt Management Program?
A debt management program issomewhat similar to debt settlement program. A fundamental difference is that you must hand over control to the agency and allow their representatives to negotiate and make the payments on your behalf.It will also negatively affect your credit score but will allow you to avoid bankruptcy.Bankruptcy
Filing bankruptcy is generally the last resort. If you are unable to pay your debts and you don't see any other way out, you should contact a bankruptcy professional to get legal advice. You should keep in mind that in a bankruptcy, you are at risk of losing all your assets and possessions. A bankruptcy will negatively impact your credit score for the long term and it is up to the court to decide if you qualify for a Chapter 7 (entire debt wiped out) or a Chapter 13 (a percentage of the debt will be wiped out).
MAXIMUM WARNING:
We have reason to believe that Concourse Lending is connected to Tweed Lending, Pebblestone Financial Group & Salvation Funding of North Dakota. Concourse Lending says they want to "Transform your financial landscape with a low interest rate debt loan." We don't think that's the case. MEC Distribution has a D+ Rating with the Better Business Bureau. The BBB States:
- 20 complaint(s) filed against business
- Business has failed to resolve underlying cause(s) of a pattern of complaints
- Failure to be transparent about ownership, location, or products/services offered

MAXIMUM WARNING:
We have reason to believe that Tweed Financial is connected to Pebblestone Financial Group & Salvation Funding of North Dakota. Tweed Lending says they want to "Change Your Financial Pattern by Consolidating Your Credit Card Debt with a Low Interest Loan." We don't think that's the case.MEC Distribution has a D+ Rating with the Better Business Bureau. The BBB States:
- 20 complaint(s) filed against business
- Business has failed to resolve underlying cause(s) of a pattern of complaints
- Failure to be transparent about ownership, location, or products/services offered

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.

Broadstar Financial claims on their website that they want to give "you the keys to financial health with a low rate debt consolidation loan." The truth is that Broadstar Financial engages in aggressive direct mail campaigns to lure consumers in with low interest debt consolidation loan offers. The consumer is then referred to an expensive attorney to negotiate their debts and is charged additional fees.

Graphite Funding claims on their website that they are "rewriting your financial story."The truth is that Graphite Funding engages in aggressive direct mail campaigns to lure consumers in with low interest debt consolidation loan offers. The consumer is then often referred to an expensive attorney to negotiate their debts and is charged additional fees.

Salvation Funding claims on their website that they are "walking with you towards financial freedom to achieve financial fitness with a low rate debt consolidation loan." The truth is that Salvation Funding engages in aggressive direct mail campaigns to lure consumers in with low interest debt consolidation loan offers. The consumer is then referred to an expensive attorney to negotiate their debts and is charged additional fees.

Fast Track Financial doesnt 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 dont 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 theyre experts at, then its clear that they will not be providing a good service and will constantly try to play with words in order to trick you.

Pebblestone Financial claims on their website that they "Help Rebuild Financial Foundations and strengthen your financial footing with a low rate debt consolidation loan." The truth is that Pebblestone Financial engages in aggressive direct mail campaigns to lure consumers in with low interest debt consolidation loan offers. The consumer is then referred to an expensive attorney to negotiate their debts and is charged additional fees.

Preferred Financial Services aka Signature Preferred Financial, claims to be a debt settlement company that offers an affordable way to reduced your credit card and other debts.The company has been accused of being non-responsive to customers by not answering calls, sending threatening emails, not providing proper service, and not fulfilling their obligations to customers.
