Best Debt Consolidation Loans
Take out the hassle of debt settlement!
Are you trapped in the cycle of unending loans and debts? If yes, then it would be best to get help from debt consolidation service providers that will surely make your life easier – all while allowing you to be free from all debts and loans at once.
Debt consolidation means taking out a single loan, which in turn collates all your existing loans and existing debts, and then organizes it into one huge loan with more favorable terms. Typically, debt consolidation service providers will offer you better payment terms with lower interest rates and lower monthly payments.
The problem with managing multiple loans is that it’s difficult to stay on top of your deadlines if you don’t have the funds yet. This scenario typically results in higher interest and eventually continuous payment of interest. With debt consolidation, you benefit from lower monthly and lower interest, which basically makes paying realistic. Many people leverage on debt consolidation as a tool to deal with business loans, student loans, credit card debts, and all other liabilities.
To better give you an idea, here are the top reasons why debt consolidation is a wise choice for anyone suffering from multiple debts and loans.
Benefits of Debt Consolidation
Debt Consolidation allows you to manage multiple debts easily without the need to track each and every creditor. With debt consolidation, you’ll take the hassle in debt payment since you automatically take care of all your debts in one platform. Thus, allowing you to never miss any payment deadline.
Lower Interest Rates
Many banks and creditors charge high interest rates that will surely add weight on your monthly payables. By managing all your debts in one single source, you can enjoy a lower interest rate since many banks typically charge higher.
Boosts your Credit Rating
Paying your debts and loans responsibly reflects positively on your credit score. In addition, your credit score determines the benefits and interest rates that banks and financial institutions will offer you. With debt consolidation, you can manage and settle your debts and loans better, which will surely boost your credit score in the long run.
Shortens Payment Terms
Loan payments typically last for years before full settlement. The good thing with debt consolidation services is that they make a plan that is suited for your requirement and capacity. Meaning, it doesn’t charge more than what you can pay and it plans the best payment term that will work for you.
Now that you understand the main reasons why subscribing to debt consolidation services is worth it, we can now go to the main subject of this article. In this blog, I’ll discuss the best debt consolidation loan providers that offer the best value. Read on to see which brands made it to the list!
Best for Debt Relief Services
CuraDebt is a financial solutions company that started in 2000 in California. CuraDebt has successfully solidified itself as the right choice in dealing with debt consolidation, debt management, debt settlement, and tax debt services in significant parts of the US with over two decades of experience.
- Debt settlement
- Debt consolidation
- Debt management
- Debt relief
- Tax debt relief
What I like about CuraDebt:
- Excellent customer service & reviews
- Proven credibility through its professional affiliations with known organizations
- FDCPA/TCPA Protection
- Proven years of experience
- Superior expertise by its licensed team of professionals
CuraDebt has different pricing per state. To avail of its services, customers will first get free consultation wherein you get a one-on-one session with a debt relief expert. Once you decide to move forward, these are the necessary fees associated in each of its services:
- No upfront fees are required to avail of its debt relief services
- Initial investigation fee of $950 for tax debt relief services of up to $25,000
- Investigation fee increases for debts beyond $25,000
- Professional fees cost 20% of your total debt
Take note that with CuraDebt, you only pay once the case is settled. Many customers say that they save about 30-50% of their total enrolled debt, which is a pretty sweet deal for anyone burdened with debts.
CuraDebt shows off to be the right choice in terms of tax and debt relief assistance. If you’re looking for an all-in-one debt services provider with a proven track record, subject matter expertise, and flexibility that fits your needs, I surely recommend CuraDebt.
If you want to know more about CuraDebt and its services, you may check out my full review through the link below.
Debt Consolidation Care
Best Guided Debt Consolidation Service
Debt Consolidation Care makes your life easier by helping you manage all your debts in one platform. Regardless of the total amount of your loans and debts, you’ll be sure to find the right service that will help you to settle your payables without all the hassle. Handle credit card debts smartly and save a lot on interests, fees, and fines with Debt Consolidation Care.
- Debt consolidation program
- Debt consolidation loan
- Payday loan consolidation
- Credit card consolidation
- Debt Settlement
- Debt Management
- Interest Rate Arbitration
- Free Counseling
- Lower monthly payments
- Lower interest rates
- Waive late fees
- One-month payment
- Massive Support Community
Debt Consolidation Care’s fees are not available online since fees are discussed during the free counseling session.
The best thing about Debt Consolidation Care is that it offers actual guidance for people who face multiple debts. In this way, you’ll be sure that you’ll be getting the perfect solution tailor fit for both your wants and needs. In addition, you get access to its massive support community with over 471,119 members, where you can engage with other customers to get ideas and motivation.
Guardian Debt Relief
Best for Negotiating Debts
If you want to get relieved from your debts efficiently, then signing up with Guardian Debt Relief is a good choice. With Guardian Debt Relief, not only can you settle your debts in no time but you’ll also be guided on how to handle your financials effectively so you won’t fall into the debt trap again. Guardian Debt Relief is a trusted AFCC and IAPDA certified company. It boasts an A+ Rating with Better Business Bureau (BBB).
- Debt Negotiation Program
- Debt Settlement
- Debt Negotiation
- Debt Consolidation
- Financial Education
How to avail of Guardian Debt Relief services: $7,500 in unsecured debt with proof of financial hardship
- No upfront fees
- Flexible payment terms
- Loan term: 2 years to 3 years
- Types of debt covered: Credit card debt, Utility Bills, Student Loans and other Unsecured Debts
- Excellent rating: Accredited by BBB with an A+ rating & 8.3 Trustpilot score
There’s no upfront fees. You’ll only pay once you’ve successfully settled each debt account. Guardian Debt Relief’s services cost 20% of your original debt.
Guardian Debt Relief is best for people who want to negotiate their way in settling their debts. The good thing about the service is you won’t have to pay for anything until you’ve successfully paid your debts – giving you the assurance and flexibility that you need.
American Debt Enders
Best for Unsecured Debts
American Debt Enders offers a roster of financial services to help you become debt-free. You can easily start with its free counseling, and from there, you’ll be able to get a custom plan that will help settle all your debts. Each program is personalized for your individual status, condition, budget, and all other factors to ensure the best chances of success.
- Debt Consolidation
- Debt Settlement
- Credit Restoration
- Free Counseling
- Custom-made settlement plan
- A+ Rating with the BBB
- Accepts unsecured debts as low as $5000
- Lower interest rates
American Debt Enders can charge you for up to 35%, depending on your plan.
American Debt Enders is best for people who are looking for debt relief firms that accept consumers with as low as $5000 unsecured debt. This feature is distinctive than other debt relief firms since the normal minimum is at $10,000. Another good thing about its service is that you get a free consultation with real debt experts, who will guide you effectively in settling your debts. Plus, it’s been in the business for over 10 years, so you’re sure to be in the hands of financial experts.
When you sign up with any of these companies, managing your loans and debts will surely come handy. If you’re faced with the dilemma of managing multiple debts, the best option is to sign up with a company that offers debt services. By doing so, you’ll be protecting yourself from unsecured debts and from getting additional debts.
What do you think of our list? Leave us a comment below!
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