Best Debt Consolidation for November 2024

Updated:
November 5th, 2024

Debt consolidation offers a path to financial stability by streamlining debt payments, lowering interest rates, and ultimately leading to freedom from debt. Discover our recommendations for the best-rated debt consolidation firms to empower you to manage your financial future.

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1
1
4.9
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star
Excellent
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Half Star
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating No Star
Good
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Half Star1 of 5 Rating No Star
Fair
No credit score restrictions to participate in program
Client portal, calculators and more online resources
A+ BBB rating and AFCC-accredited
Get a free savings estimate in minutes
#1 in consolidation volume
Visit Website
Or call
(866) 517-3804
For debt above $10K
For debt above $15k
Show all
#1 Top Rated by Finance Advisors
For debt amount $10k - $20k
Show all
For debt above $20k
2
2
4.8
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star
Excellent
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Half Star
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating No Star
Good
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Half Star1 of 5 Rating No Star
Fair
Free initial consultation
Reduce and resolve high interest debt
Over 1 million customers served
BBB A+ Accredited
Visit Website
Or call
For debt above $15k
For debt above $15k
Show all
#1 Top Rated by Finance Advisors
Show all
For debt under $10k
For debt amount $10k - $20k
For debt above $20k
3
3
4.8
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star
Excellent
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Half Star
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating No Star
Good
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Half Star1 of 5 Rating No Star
Fair
No fees until accounts are settled
Helped 600,000+ clients since 2009
Freedom from debt in as little as 24-48 months
Personalized Debt Plans
Visit Website
Or call
For debt above $15k
For debt above $15k
Show all
#1 Top Rated by Finance Advisors
For debt amount $10k - $20k
Show all
For debt under $10k
For debt above $20k
4
4
4.7
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star
Excellent
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Half Star
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating No Star
Good
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Half Star1 of 5 Rating No Star
Fair
Personalized plans to fit your budget
No upfront fees
100% guarantee
Excellent Service
Visit Website
Or call
For debt under $10k
Show all
#1 Top Rated by Finance Advisors
Show all
For debt amount $10k - $20k
For debt under $10k
For debt above $20k
5
5
4.4
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star
Excellent
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Half Star
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating No Star
Good
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Half Star1 of 5 Rating No Star
Fair
Personalized plans to fit your budget
No upfront fees
100% guarantee
A+ BBB rating | 4.8 stars TrustPilot
Visit Website
Or call
(866) 610-0189
For debt above $15k
Show all
#1 Top Rated by Finance Advisors
For debt over $10k
Show all
For debt amount $10k - $20k
For debt above $20k
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2
4.7
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star
FA Score

Clear One Advantage

See Details
Personalized plans to fit your budget
No upfront fees
100% guarantee
A+ BBB rating|4.8 stars TrustPilot
3
4.5
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Half Star
FA Score

Accredited

See Details
Client portal, calculators and more online resources
A+ BBB rating and AFCC-accredited
Get a free savings estimate in minutes
#1 in consolidation volume

How does debt consolidation work?

Debt consolidation is a process that aims to help individuals overwhelmed by debt. It typically starts with a financial assessment to understand your financial situation, including your debts, income, and expenses. Based on this evaluation, you can choose a debt consolidation method that suits your needs, such as debt consolidation, debt management, debt settlement, or bankruptcy.

Once you've selected a method, you'll work on implementing it, which might involve making payments or following a structured plan. The ultimate goal is to reduce your overall debt burden. Throughout the process, maintaining communication with creditors and monitoring progress is important. After successfully completing your chosen debt consolidation program, you can focus on rebuilding your credit by managing your finances responsibly and making timely payments. It's important to note that the impact on your credit and the effectiveness of debt consolidation can vary depending on your specific circumstances, so seeking advice from a financial professional is advisable to make informed decisions.

There are multiple strategies that can be accounted for in debt consolidation, and it’s important to note that debt consolidation isn’t for everyone. Typical strategies include:

  • Interest rate reduction
  • Principal payment reduction
  • Principle loan reduction
  • Consolidation loan or loan refinance
  • Bankruptcy (in severe circumstances)

It’s important to note that many companies advertise 24-60 months for programs to be complete.

Have high interest payments become unbearable?

Step 1: Pick your state
Step 2: take a short quiz
Step 3: Calculate your savings

Our #1 Debt Consolidation Company of 2024
1
5.0
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star
FA Score

Accredited Debt Relief

Client portal, calculators and more online resources
A+ BBB rating and AFCC-accredited
Get a free savings estimate in minutes
#1 in consolidation volume
Accredited Debt Relief Logo
5.0
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