How Do I Know When Is The Right Time To Consolidate My Debt?

debt consolidation loan reviews

When Is The Right Time To Consolidate My Debt?

Are you are drowning in debt?  Have you tried to get a lower rate from your credit card company but got shot down? When you read your credit card statement, do you feel like you work for your creditors?

If you answered yes to any of the above, it’s probably a good time to think about debt consolidation. You may not think so but you have options – more than you may realize.

Will I Save Money If I Take Out A Debt Consolidation Loan?

Consolidating your credit cards into one new loan with a single payment can usually lower your interest rate and free up your credit cards for emergencies. Debt consolidation loans have become very popular over the last few years. Just take a look at the debt consolidation comparison chart below and draw your own conclusion.

What Is A Debt Settlement Program?

Debt settlement companies employ professional negotiators that attempt to negotiate deals with your creditors for less than you owe. The goal is to be 100% debt free after a few years. Debt settlement does has negative affect on your credit score but it can keep you from filing bankruptcy.

How Did You Choose The Companies On The Debt Consolidation Chart Below?

The debt consolidation industry is highly fragmented and very competitive. Interest rates are low and companies are ready to compete for your business. We performed our own historical and financial analysis on each company. We continue to monitor the reputation and ratings from organizations like the Better Business Bureau. We also aggregated customer reviews from around the web to increase the sampling size. The companies included on the chart all scored very well and use different techniques to help you consolidate your debt. We advise you to reach out to several companies and make them earn your business.

National Debt Relief Reviews
  • Score 10
  • Debt Settlement
  • One Of The Country's Largest & Most Reputable Debt Settlement Companies
  • No Minimum Credit Score
  • Accepts Customers In All States Except CT GA KS ME NH SC OR VT WV
  • No Upfront Fees
  • $7,500 Minimum Debt
  • 24 to 48 Month Debt Reduction Program
  • Rated A+ by Better Business Bureau
  • 100% Confidential
  • Free Consultation
  • (877) 451-6270
  • Score 9.0
  • Debt Settlement
  • Helping People Overcome Debt Since 2002, With a Variety of Proven Debt Solutions: Debt Settlement, Personal Loans, and more
  • No Minimum Credit Score
  • Accepts Customers In All States Except: CT, GA, HI, IL, KS, OH, ME, MS, ND, NH, NJ, OR, RI, SC, VT, WA, WV, WY DC, VA
  • No Upfront Fees
  • $10,000 Minimum Debt
  • 24 to 48 Month Debt Reduction Program
  • Rated A+ by Better Business Bureau
  • 100% Confidential
  • Free Consultation
  • (844) 220-7885
  • Score 9
  • Debt Consolidation Loans
  • Compare Multiple Personal Loans Offers In Minutes
  • No Minimum Credit Score
  • Accepts Customers In All States
  • No Upfront Fees
  • $500 to $40,000 Loan Amounts
  • 24 to 84 Month Loan Terms
  • N/A
  • 100% Confidential
  • Submit Loan Online
  • N/A
  • Score 8.25
  • Debt Consolidation
  • Provides a Network of Lenders That Can Fund Within A Day
  • No Minimum Credit Score
  • Accepts Customers In All 50 States
  • No Upfront Fees
  • $500 to $35,000 Loan Amount
  • 6 to 72 Month Loan Terms
  • N/A
  • 100% Confidential
  • Submit Loan Online
  • N/A
  • Score 8.0
  • Debt Settlement
  • Over 20 Years Of Experience In Debt Relief And Financial Services Industry. Settled Thousands Of Accounts With Outstanding Results.
  • No Minimum Credit Score
  • Accepts Customers In The Following States: AL, AK, AZ, AR, CA, DC, FL, IN, LA, MD, MA, MI, MO, NE, NM, NY, NC, OH, OK, PA, SD, TX, VA.
  • No Upfront Fees
  • $10,000 Minimum Debt
  • 24 to 48 Month Debt Reduction Program
  • Rated A+ by Better Business Bureau
  • 100% Confidential
  • Free Consultation
  • (877) 704-5401

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