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Freedom Financial Reviews
  • EDITOR'S SCORE
  • 9.85 / 10
  • SUMMARY

  • Largest US Debt Settlement Company

    Over $9 Billion of Debt Resolved Since 2002

    Ranked #1 By Top 10 Credit Relief

    TrustPilot 9.0 Rating
  • WHAT WE LIKE
  • $10,000 Minimum Debt

    No Upfront Fees

    No Minimum Credit Score

    24 to 48 Month Program
  • AVAILABILITY
  • As the largest negotiator of debt in the nation, Freedom Financial takes a human approach to debt relief. We are passionate about helping people overcome debt as quickly as possible. As the leader in debt negotiation, Freedom has resolved over $10 billion in debt for over 650,000 people — far more than any other company. Freedom's affordable program could help you resolve your debt of $15K-$100K in 24-48 months.
Guide to Lenders Review
  • EDITOR'S SCORE
  • 9.4 / 10
  • SUMMARY
  • Free Resource To Help Loan Shoppers Get Best Loan Deals

    Served Over $16 Billion In Loan Requests Since 2005

    Get Up To 5 Loan Offers In Minutes
  • WHAT WE LIKE
  • Loans of $1,000 to $40,000

    Loan Terms of 24 to 84 Months

    APRs of 5.994% To 35.99%
  • AVAILABILITY
  • Guide To Lenders provides a free service that helps connect customers with lenders. Their service which can sometimes feel "invisible" seeks to make the application process easy & user-friendly for customers who are looking for a way to consolidate personal debt into one easy payment.
Fiona Reviews
  • EDITOR'S SCORE
  • 9.4 / 10
  • SUMMARY
  • Free Resource To Help Loan Shoppers Get Best Loan Deals

    Offering an algorithm-based marketplace for lenders and borrowers.

    Borrowers are matched with the loan providers most likely to approve their applications.
  • WHAT WE LIKE
  • Loans of $1,000 to $100,000

    Loan Terms of 24 to 84 Months

    APRs of 3.84% To 35.99%
  • AVAILABILITY
  • Fiona is a marketplace for lenders and borrowers that works with brands in the alternative lending industry, offering real-time pre-approval options quickly. Borrowers are matched with the loan providers most likely to approve their applications.
Bad Credit Loans
  • EDITOR'S SCORE
  • 9.25 / 10
  • SUMMARY
  • Has Been In The Business of Helping People Since 1998

    All Credit Types Accepted

    Loan Approval Within 24 Hours

  • WHAT WE LIKE
  • Loans of $500 - $10,000

    Loan Terms of 3 - 36 Months

    APRs of 5.99% To 35.99%
  • AVAILABILITY
  • Bad Credit Loans understands that there are emergencies no one can plan for, and they aren’t limited to helping only consumers with perfect credit. Sometimes a run of bad luck comes up through no fault of your own. However, as long as you’re working, Bad Credit Loans may have the resources to lend you a helping hand no matter if your credit is good or bad.
Monevo Reviews
  • EDITOR'S SCORE
  • 9.25 / 10
  • SUMMARY
  • Solutions Available For All Credit Scores

    Works with Excellent, Good, Fair, & Poor Credit

    Personalized Loans Offers In Less Than 60 Seconds

  • WHAT WE LIKE
  • Loan Amounts of $1,000 - $100,000

    Loan Terms of 3 - 144 Months

    APRs of 3.99% - 35.99%
  • AVAILABILITY
  • Monevo is a huge online lending marketplace with direct access to hundreds of loan companies around the world. This access to real-time responses from lenders and loan brokers enables Monevo to give consumers an accurate and reliable reply in just 2 minutes. The service is completely free to use and helps lead borrowers to low rates.
PersonalLoans.com Reviews
  • EDITOR'S SCORE
  • 9 / 10
  • SUMMARY
  • Provides Personal Loan Network Focused On Less Then Perfect Credit

    Member of the Online Lenders Alliance

    Offers Peer to Peer Loans, Personal Installment Loans and Bank Personal Loans

  • WHAT WE LIKE
  • Loan Amounts of $500 to $35,000

    90 Days to to 6 Year Loan Terms

    No Minimum Credit Score

    APR of 5.99% to 35.99%
  • AVAILABILITY
  • Every state has its own set of rules and regulations that govern personal loan lenders. Your loan amount, APR and repayment term will vary based on your credit worthiness, state and lender or lending partner.

Best 2020 Debt Consolidation
Freedom Financial

 

LEARN ABOUT DEBT CONSOLIDATION

LEARN ABOUT DEBT CONSOLIDATION

Debt Settlement Complaints

 

Consumer Debt in America

In the first three months of 2020, household debt in America rose to $14.3 trillion and 47% of households carry some sort of credit card debt. Up to 40% of Americans can't pay more than the minimum payment on their credit cards. Almost one-quarter (23%) of card holders have added to their credit balance as a direct result of the Covid-19 pandemic.

Debt Relief Complaints

What are my Options for Debt Relief?

Pay Off Debt Reviews

 

Pay Off Debt In Monthly Installments

If your debt is manageable, you can pay off your debts in monthly installments and manage the entire process on your own. You should keep in mind that if you can only afford to make the minimum monthly payment, you may be in for a long ride.A $2,000 credit card balance that carries an 18% annual rate can take just over 30 YEARS to pay off in you only make the 2% minimum monthly payment every month.

 

Debt Settlement Complaints

 

Work With a Debt Settlement Company

Debt settlement is an increasingly popular option. Freedom Debt Relief, our top rated debt settlement company, negotiates with your creditors on your behalf.  The goal is to reduce the total amount you owe, have the creditor take a loss on the remaining debt balance, and agree to a new deal with creditors to make monthly payments over a 2 to 5 year period. A debt settlement program will negatively affect your credit score but it will allow you avoid bankruptcy and your credit score will likely improve once you complete the program.

 

Debt Consolidation Bad Credit

 

Qualify for a Debt Consolidation Loan

A debt consolidation loan is the process of combining many unsecured debts (credit cards, medical bills, etc.) with high interest rates into one loan with a lower monthly payment. If your goal is to become debt free, a good debt consolidation loan should bring you monthly savings and help you improve your credit score. Guide to Lenders operates an online lending marketplace that will let you know in just a few minutes what type of debt consolidation loans you qualify for.

 

Debt Management Reviews

 

What is a Debt Management Program?

A debt management program is somewhat similar to debt settlement program. A fundamental difference is that you must hand over control to the agency and allow their representatives to negotiate and make the payments on your behalf.It will also negatively affect your credit score but will allow you to avoid bankruptcy.

Bankruptcy Alternatives

 

Bankruptcy

Filing bankruptcy is generally the last resort. If you are unable to pay your debts and you don't see any other way out, you should contact a bankruptcy professional to get legal advice. You should keep in mind that in a bankruptcy, you are at risk of losing all your assets and possessions. A bankruptcy will negatively impact your credit score for the long term and it is up to the court to decide if you qualify for a Chapter 7 (entire debt wiped out) or a Chapter 13 (a percentage of the debt will be wiped out).