Compare Top Debt Consolidation Loan Companies
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National Debt Relief
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Get out of debt! |
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Freedom Debt Relief
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Specializes in debt settlement services. Debt can be settled in 24 to 48 months, and fees range from 15% to 25%. $15,000 minimum debt required. Track progress 24/7 via online dashboard. No-risk debt relief consultation offered. |
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CreditAssociates
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Works with unsecured debts only, such as credit card, medical and business debt. Eliminates debt in 24 to 48 months. Service fee is 15% to 25%, and a free initial debt consultation is available. Not available in all states. |
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Accredited Debt Relief
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Best for clients with $10,000 or more in unsecured debt. Says it could reduce your debt by up to 40%. Over $3 billion in client debt paid off. Your quote is 100% free and will not affect your credit score. |
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Pacific Debt
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$10,000 minimum debt required. Low monthly program payment and no upfront fees. Service fees vary between 15 and 25% of the total debt enrolled. Most results take 24-48 months. Offers debt negotiation, but not consolidation loans. |
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Learn More (619) 492-9990 | Read More |
How to choose debt consolidation in Green Bay
Wisconsin has a higher average credit score than the nation as a whole, but residents also have more credit card debt than the average consumer. State and federal laws protect Green Bay residents from extreme creditor practices, but dealing with creditors and debt collection companies is exhausting and overwhelming. For many people, debt consolidation is the best way to get out of debt for good.
Credit scores and debt in Wisconsin
| United States | Wisconsin | |
|---|---|---|
| Average Credit Score | 687 | 707 |
| Average Credit Card Debt | $5,700 | $6,484 |
Debt consolidation companies in Green Bay assist with unsecured debt, which is money borrowed without collateral. Credit card debt, overdue bills and most personal loans are unsecured debt. Secured debt, such as mortgages and auto loans, uses an asset as collateral and is ineligible for debt consolidation.
For consumers in Green Bay with at least $10,000 in debt, debt consolidation is an alternative to bankruptcy. Debt consolidation lets you combine payments into one lower payment while lowering your interest rate.
Once approved and enrolled in a program in Green Bay, customers put a monthly payment into a fund allocated toward the debt settlement. The debt consolidation company uses the amount in that fund to negotiate with creditors and settle your debts for a lower amount than you owe. The process generally lasts two to four years, though every situation is unique.
If you don’t qualify for debt settlement because the amount you owe isn’t large enough, you may be able to transfer your debts to a credit card with an introductory zero percent interest rate or take out a debt consolidation loan. A debt consolidation loan is a loan used to pay off your existing debts, allowing you to make one monthly payment to that loan instead of multiple debtors.
Unlike debt settlement, a debt consolidation loan does not decrease the amount of money you owe. Debt settlement is also available for people in Green Bay with low credit scores who do not qualify for debt consolidation loans.
The Wisconsin Department of Agriculture, Trade and Consumer Protection cautions consumers against working with a debt consolidation provider that charges upfront fees or makes specific promises about how much debt the company can eliminate. By being informed when choosing a debt consolidation company, you can begin your journey towards a better financial outlook.
Debt Consolidation Reviews
National Debt Relief |
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National Debt Relief was founded in 2008 and is a member of the American Fair Credit Council and International Association of Professional Debt Arbitrators. They’re a BBB-accredited company with an A+ rating. Reviewers from Green Bay confirm their debt totals were negotiated down and say they appreciated the easy process. |
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Freedom Debt Relief |
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Freedom Debt Relief has more than 600,000 people enrolled in their program and has resolved over $9 billion in debt since their founding in 2002. An online dashboard keeps you informed of your progress and status at any time, and their process begins with a risk-free consultation. Customers in Green Bay appreciate the top-notch customer service. |
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CreditAssociates |
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A proprietary electronic debt settlement system combined with expert debt consultants makes Credit Associates an effective choice for debt relief. Reviews say that customer service is helpful and communicates well throughout the process, which lasts between two and three years. You can get a free consult with no obligation by contacting the company. |
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Accredited Debt Relief |
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Accredited Debt Relief offers a free consultation to determine which of their programs best suits your specific situation. They have more than 20 years of experience and pride themselves on helping their communities by contributing to several national charities. Customers in Green Bay appreciate their staff taking the time to carefully explain the process and options. |
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Pacific Debt |
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With certified debt counselors to guide your debt settlement every step of the way, Pacific Debt charges no upfront fees until you get results. The company has helped settle more than $200 million in debt for clients. Reviews speak highly of having access to a personal account manager who can help set up an affordable payment plan. |
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Learn More (619) 492-9990 |