In the current economic climate, a lot of people are looking for ways to consolidate their debt. In this article, we will talk about some of the companies that can help you out with your credit card consolidation needs.
With interest rates being at an all-time high and many job losses due to outsourcing, it’s no wonder so many people have trouble managing their monthly bills.
It is important to know what a good company should offer before you get in touch with them. Here are some details to look for:
- The company should have been around for a long while
- They must be fully licensed and insured
- They must provide proof of licenses on request
- Their customer support team should not be outsourced overseas
What Is Credit Card Debt Consolidation?
A fresh start is always nice, don’t you think?
These days, the economy is still struggling to fully recover from recent economic downturns which have presented some unique challenges for all of us.
Many people are finding themselves buried under an avalanche of debt which they just can’t seem to find their way out from underneath anymore.
It quickly leads to feelings of hopelessness and depression, as bills continue to pile up every month without any type of stable income available to deal with them accordingly.
If you’re reading this, then I’m sure that you have felt these same kinds of emotions in your own life at some point or another.
There is nothing wrong with being overwhelmed–in fact, it shows a sign of maturity when a person is willing to accept their current situation and do something about it in order to improve things going forward!
Debt consolidation loans are one such route that individuals often choose in order to fix all kinds of debt problems.
Through the use of consolidated loans, you’ll be able to get all of your current debt obligations under one lump sum payment plan so that it becomes easier for you to stick with on time each and every month.
It drastically reduces the stress involved when trying to keep up with multiple payments, which can also free up some extra cash in your budget for other expenses.
The 5 Most Reputable Debt Consolidation Company
Now let’s review some of the companies that can help you with your credit card consolidation needs.
The top 5 most reputable companies for assistance with Credit Debt are:
#1. American Debt Enders
The first company we will look at is American Debt Enders. They’ve been around for a long time and they’re reputable and well known in the industry.
Their customer support team is available during business hours (Monday to Friday) and weekends (Saturday and Sunday).
You’ll love how much money you can save by consolidating your debt into one lower monthly payment with them.
Click here to go to their official website americandebtenders.com.
#2. A Plus Financial Solutions
The A Plus Financial Solutions is another great option when it comes to credit card consolidation companies.
Here’s why so many people choose this company for their loan assistance:
- free customer support,
- no hidden fees or costs,
- fully licensed and insured,
- three-year fixed interest rates with the option for five years available.
They are also very knowledgeable in helping people get rid of other forms of debt along with credit card debt.
Visit their website at www .aplusfinancialsolutions.com to learn more about them.
#3. Debt Consultants
Debt Consultants is another excellent resource if you’re looking for help with your debts today.
You’ll get awesome savings by consolidating all your bills into one lower monthly payment with them.
They have got great customer support available Monday to Friday, 9 AM to 5 PM.
Go through their website at www .debtconsultants.com today and see how much you can save!
#4. US Debt Relief
US Debt Relief offers some of the best deals on the market as far as interest rates go (starting as low as 4%).
You’ll be able to lower your payments by up to 50% or more.
Their customer support is available 24/7 and they’re very professional and trustworthy, offering a 100% satisfaction guarantee before doing any work for you.
Click here if you want to visit their official website: www .usdebtrelief.com.
#5. National Debt Relief
The last company on our list is National Debt Relief. They’ve been around since 2005 and have helped thousands of people out of debt over the years.
Their main goal is to help you get rid of your credit card debt once and for all, so click here to go to their official website nationaldebtrelief.com.
What Makes a Good Consolidation Company?
This is one of the most common questions we receive from our readers and it’s an excellent starting point in terms of what you should be looking for when trying to choose the best debt consolidation company in your area.
Here are some common threads which usually make up a high-quality service:
- They don’t require any kind of upfront fees or hidden costs (one time only)
- Their support team has plenty of experience dealing with different kinds of credit card companies, lenders, and creditors who may be involved with your various loans and debts
- A good plan will always come complete with a simple monthly payment that won’t strain your budget or cause any serious issues going forward
- They offer a permanent solution – most companies don’t advertise a “quick fix” for a long term issue which you’ll need to revisit in a few months or years down the road
- You can choose between fixed and adjustable interest rates (according to your specific situation)
Do These Companies Really Work?
This is definitely an important question to ask whenever you’re dealing with any company, especially when it comes to something as sensitive as consolidating all of your debt.
While there are certainly some bad apples who deserve nothing short of horrible customer service and downright awful terms that will do nothing but line their pockets at your expense while giving little back in return–these people represent less than 1% of the entire industry.
The best companies will usually have a very solid presence on the Better Business Bureau’s website with plenty of positive customer testimonials available for review.
Does Consolidation Ruin Your Credit?
Consolidating your debt into one lower monthly payment can be a great way to save you money and improve your credit score.
However, it is important that you steer clear of companies that charge big fees or have long contracts.
With the help of some of the top consolidation companies listed above, you should have no problem lowering your credit card payments while improving your credit score at the same time.
Now that you know you have some great options for dealing with your debts, go ahead and get in touch with them by clicking on their official website links above!
Can You Consolidate Your Credit Cards on Your Own?
Sometimes it is possible to consolidate your credit cards yourself. However, you have to be careful as there are some risks involved with this method.
It all depends on the type of accounts you have and what kind of company you’re using as a middleman.
If for example, you only have store accounts with your major credit card issuers (Visa/Mastercard), then it may be possible for you to lower your interest rates by negotiating directly with them.
Many people find success when they call their banks and ask if they can switch to a low-interest card or one that doesn’t charge an annual fee.
This will save you money and will also help increase your credit score too!
If this isn’t an option for you though (you’ve tried calling your banks and they refused), then it is definitely recommended that you go with one of the consolidation companies listed above.
They know how to get your loans combined easily while giving you the best rates possible. This way, you won’t have to worry about nasty surprises later on down the road!
Where Can You Find Debt Consolidation Loans?
There are actually quite a few good places online where you can get yourself some great debt consolidation loans today.
The first place we recommend checking out is cuni.com, and debtconsolidationloans.com.
These guys specialize in consolidating high-interest credit cards into low-interest loans so that you can save money every month.
By getting services for free, you’ll be getting professional help for absolutely nothing.
They are usually able to save their customers up to 50% on monthly payments, so go ahead and check them out today!
Another great place online that you can get your debts consolidated is DebtConsolidationLoansNow.com.
This website has helped thousands of consumers just like yourself out of debt by giving them some excellent consolidation loan services.
You can visit their official website at www .debtconsolidationloansnow .com if you want some more details on how they work or what kind of benefits you can expect from dealing with them directly.
You also have the option to check out BadCreditLoanNetwork .com if you need some additional information on free financial advice.
These guys can help you to improve your credit score in a quick and efficient manner.
In addition, they only work with the few companies that have been tested and approved by their experts, so you know that any company you go with will be able to provide you with quality assistance when it comes to dealing with bad credit scores.
These are just a few of the excellent places online where you can get yourself some great loan services to deal with all kinds of debts from:
- student loans,
- business loans,
- personal loans, and
- mortgages (if necessary).
These companies often specialize in consolidating many different types of debt into one lower monthly payment for free!
How Does Debt Consolidation Work?
Debt consolidation is a fairly simple procedure when done correctly.
The main idea behind taking advantage of these services is to take all of your different debts and combine them into one single monthly payment plan.
This way, you can make sure that everything always gets paid on time each month without missing a single deadline!
The unfortunate reality with most Americans right now is the fact that they are struggling to pay their bills on time each month because they have multiple loans at once.
It’s not uncommon for someone today to have several credit cards, student loans, personal loans, and even car payments all at once–this makes it extremely difficult to keep track of when your bills are due.
What if there was a way to consolidate all of these bills down into just one?
That would certainly help simplify things and give you back some peace of mind, right?
This is where consolidation companies come in.
They can help to make all of your debts and combine them into one single repayment plan, so you don’t have to worry about forgetting when a payment is due ever again!
The best part is that they do this for free – it’s 100% no obligation and completely stress-free.
You’ll be able to make one monthly payment directly to the company who has helped you, and then they will in turn distribute everything out evenly onto your various loans.
This way, you won’t have to make multiple payments every month which will save you time and money when it comes time for your bills to become due.
Can I Get My Loans Combined For Free?
Yes. It’s important to note the fact that all of these consolidation companies are completely free to use.
They don’t work on commission, so they won’t ever try and sell you anything or pressure you into signing up for some type of introductory offer.
You’re never obligated to work with them if you don’t want to. It’s completely your choice!
However, we think that they can provide some excellent help and assistance when it comes time to deal with all kinds of credit card debts and loans that just seem impossible to pay off.
Check out their websites today for more details on how they can assist you in getting everything consolidated down into one simple payment plan!
You’ll be able to sleep better at night that everything is taken care of on time, and that you have more free money available to put towards other monthly expenses as well!
Why You Need a Personal Loan?
There is never a bad time to need money.
At least I can say this from my own past experiences where I came across several very tough situations which were only made worse by the fact that I simply didn’t have enough cash on hand at any given moment.
These financial predicaments really tested my resolve and led me down a road of hardship which took me some time to recover from.
However, there was one silver lining in all of these struggles–it forced me to embrace frugality and find creative ways to make ends meet without going into further debt or falling behind on my bills.
If you’re reading this, I’m sure you can understand exactly what I mean.
Debt consolidation is a process where multiple debts are combined into one single monthly payment.
Although the entire plan often sounds simple on paper, it can become very difficult to put into action without professional assistance or guidance if many different lenders are involved with your debt.
Debt consolidation companies act as middlemen between you and all of your creditors–they negotiate terms that allow you to pay off debt faster than before while ensuring that your credit doesn’t suffer any serious dings in the long run.
You don’t have to find a company on your own.
You can go online and look up the best debt consolidation companies in your area or anywhere else in the world, and review their previous customers’ testimonials regarding how well they were able to help them with consolidating all of their debt into one monthly payment.
There are literally hundreds of different companies out there that offer this type of service.
So, it’s important that you spend enough time looking around at all of your available options to ensure that you’re getting the absolute best deal possible.
Choosing the wrong option could actually cause more harm than good–which is why we recommend that you check out any and all reviews before making a final decision about whether or not their services would be a good fit for your personal situation.