Save money by consolidating your debt.

How To Find A Reputable Debt Consolidation Company

Carrying a load of debt can easily feel like you’re going through life with a black cloud hanging over your head. No matter what you’re doing, stress about the debt can linger in the back of your mind.

How to find a reputable debt consolidation companySo let’s say you see an ad for a company that promises to help you pay off your debt more quickly. “Really?” You may think. “I’ve been trying to pay this off on my own for so long, maybe getting outside help is just the thing to help me finally knock this out of my life.”

This is perfectly understandable, but you have to keep in mind that nothing is ever as easy as it sounds. If you are seriously thinking about going to a debt consolidation company then you’ll need to do your research and find that is honest, or else you could end up in a far worse situation than you ever imagined before!

What is Debt Consolidation?

Companies that want to help you pay off your debt come in many forms. Three of the most common types are: debt consolidation companies, debt management companies, and debt settlement companies.

Companies like this will often market themselves in multiple ways to get you in the door and once you’re there they give you the hard sell on what they really want you to buy. But if debt consolidation is what you want, then make sure you know what it is before you go!

  • Debt Consolidation: one person or company purchases all of your debt so that you can make one payment to them – this can allow you to get a lower interest rate than what you are currently paying as well as to simplify your life by getting just one monthly payment
  • Debt Management: a third party attempts to negotiate lower interest rates and payments on your current debts
  • Debt Settlement: a third party tries to negotiate lower principal balances on your current debts

These sound very different on paper, but once you start searching for a company that offers any of these services, you could find that they instantly become jumbled together.

In fact, as an experiment, try doing what I did and simply enter the phrase “debt consolidation companies” into a search engine. Good luck finding search results that don’t include debt settlement or management companies!  Why does this matter? Because debt settlement and debt management can be extremely risky and could have debilitating effects on your finances.

That doesn’t mean debt consolidation doesn’t carry its own risks, but if you consolidate your debt then it means someone else is buying all of your debt and you are paying them back. At that point it’s really up to you to mitigate risk – make those payments every month and you can avoid penalties and an increase in interest rates.

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Now that you understand what debt consolidation is, you should know that there are many ways to do it – and most of them you can do on your own without help from a debt consolidation company. To see a list of those options, see Ben’s previous blog post, “Debt Consolidation Programs.”

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However, those “do it yourself” debt consolidation options are predicated on having a good credit score. If you’re in a position where your credit score is less than 660, then those options won’t be available and you will need to begin searching for a reputable debt consolidation company. Below, we’ll explain how you can avoid scams and find reputable debt consolidation companies that can hopefully give you a debt consolidation loan with reasonable terms.

Tips for Finding a Reputable Debt Consolidation Company

Unfortunately, there are no quick and easy ways to find out if a debt consolidation company is credible, although we have vetted all the ones in our debt consolidation tool (you can also use ReadyForZero’s savings platform to find one). However, there are a few things you can do quickly to find out if a company is not credible. So start up a search of companies and follow these steps.

  1. BBB: If you find debt consolidation companies that look like they might be good, type their name into the website of The Better Business Bureau. For example, I did a search of debt relief companies in San Francisco and found that only one of 13 was accredited with the BBB, and it wasn’t even rated. In fact, many of the companies weren’t rated, likely due to lack of information. Of those that were rated, not even one had a higher rating than a C and some even had D’s and F’s. You’ll also find information about complaints made by other consumers and even court cases against the company.
  2. See if they’re registered: Check to see if any company you’re interested in is registered with The Association of Independent Consumer Credit Counseling Agencies or The National Foundation of Credit Counseling. A reputable company will be concerned about maintaining their reputation and will make it a priority to be registered with one of these agencies. If they are registered, see if there is any feedback given on the company.
  3. Consider going to a nonprofit – but know that it doesn’t guarantee the company will be reputable. In fact, when you go, ask to see their 501(c)(3) certificate. Some companies claim to be nonprofit when they are not and that certificate is proof that they really are a nonprofit.  Keep in mind that nonprofits still have to charge for their services in order to keep the business running and you should compare their fees to for-profit companies to be sure that they are lower. Of course, it’s not all about the fees. Whether nonprofit or for-profit, the company you go with should be one that makes you feel comfortable and meets your needs. One more thing: just like predatory companies will claim to be nonprofit when they’re not, some will also claim to be affiliated with a religious faith in order to more easily gain your trust. So just because you see the name of your religion in the name of the company doesn’t mean they’re reputable! As unthinkable as it is, many of these companies are out to do whatever they can to manipulate you. Don’t ever simply trust a name or a warm and fuzzy website!

Red Flags – How to Avoid Debt Consolidation Scams

So let’s say you’ve followed all of these steps and you’re ready to get out there and meet some of these debt consolidation companies. If you’re paying attention then you can learn a great deal about the legitimacy of a company simply based of your interactions with their representatives in person. As there is no way to guarantee a company is reputable, you’ll need to keep an eye (and ear) out for these red flags.

  • They try to sell you something other than debt consolidation. Some companies may claim to offer debt consolidation services just to get you in the door. But then as soon as you’re seated in their office they start talking about ways to lower your full amount owed or work deals out with your lenders. This isn’t debt consolidation. Debt consolidation doesn’t involve negotiating lower balances, it simply involves transferring your debt to a new loan with different terms. If they start talking about negotiating for a lower principal balance with your lenders then you’re actually talking about debt settlement, an act that carries large risks and can really damage your credit score. This should only be seen as a last resort, if ever an option at all.
  • They’re pushy or aggressive. Entering into a loan is a big decision. There’s nothing wrong with shopping around in order to find the loan that best fits your needs. If someone is trying to get you to make a decision in one to three days then don’t even think about using that company. They don’t have your best interest in mind, they just want to make a sale.
  • They tell you it will be a quick fix. Getting out of debt is never a quick fix. Any company that tells you it will be quick and painless process is flat out lying to you. It can be done but it will take time and diligence on your part.
  • If they make you feel uncomfortable in ANY way. Once you enter into a debt consolidation agreement then you can’t get out of it – so this is not a decision to be taken lightly! Take your time and find the company that takes their time to listen to you, has your best interest in mind, and can help you learn how to manage your finances better in the future. Because having your debt consolidated is pointless if you’re going to go further into debt now or in the future. Taking the step to rectify the problem now isn’t enough – you need to make sure you don’t have to deal with it ever again and a good debt consolidation company will stress to you the importance of learning how to manage your finances.

How to Know if Debt Consolidation is Right For You

This decision comes down to numbers. If you go to a debt consolidation company, they will charge you a fee. No one, not even nonprofits, will lend you money for free. Your decision to move forward or not should be based on how the fees impact your bottom line.

  • Upfront Fees: a debt consolidation company doesn’t necessarily have to charge you a fee upfront since they make money off of the interest you pay. However, they might so that’s something to consider.
  • Interest Rates: a debt consolidation company will ideally offer you a lower interest rate than what you are paying on one or more of your current loans, but…
  • Term: how long is the term they are offering you? Even if your interest rate is low and your upfront fee is also low or nonexistent, does that really matter if your term is twice as long?  You could end up paying even more than you were before so…
  • Do the math: Before you make a decision, add up any upfront fees to the amount of interest you will pay over the whole term of the loan. Then add up the amount of interest you are paying on your outstanding loans in the same amount of time.  Which will you end up paying more on – your current debt as is or the new debt consolidation loan?

Now there’s always the possibility that you’ll do the math and find out that the new debt consolidation loan will cost you more money in the long run. If this is the case, you may still be tempted to go with this option simply because the monthly payments might be lower. This option should only be taken if you really and truly can’t pay your bills each month. Otherwise, why pay more? For further information on whether or not you should consolidate your debt, see Ben’s post “Is Debt Consolidation A Good Idea?

Did you know you can check your rates here on ReadyForZero?

Check your rate using ReadyForZero’s free debt consolidation tool, this only takes a few minutes and doesn’t negatively impact your credit score.
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Finding a reputable debt consolidation company is much easier said than done.  For every reputable company there are also many predatory ones out to take advantage of people in vulnerable and sometimes desperate situations. They can misrepresent themselves through creative marketing which makes the search for the best debt consolidation company very difficult! Take your time doing your research and making this decision – because once you sign on the dotted line there’s no going back!

If you sign up for ReadyForZero, you’ll get a free online plan for paying off your debt (like a super-powered debt spreadsheet) and you’ll also be eligible for ReadyForZero’s savings platform which can connect you with a reputable debt consolidation lender.

This article is part of our Debt Consolidation Resource Center.  If you’re looking for additional information about debt consolidation, be sure to pay a visit!

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  • Jenna from Adaptu

    Yet another great blog post by the Ready for Zero team!  Thanks!

    • Shannon

      Thanks for the comment – I’m happy you liked the post!

  • mcnay59

    Shannon once again an outstanding article. Variable rates are things
    people should watch for as well.

    • http://www.readyforzero.com ReadyForZero

      That’s very true, thanks for mentioning that!  Variable rates can quickly ruin someone’s financial situation when they go up unexpectedly.  I’m glad you liked the post!

  • http://www.twitter.com/bwfeldman Benjamin Feldman

    Jeena, this is very helpful information – thank you! The web page you linked to above seems to indicate that the ban on upfront fees is only for debt settlement offers provided over the phone. Is that right? Also, when you say “the debt settlement company fees are paid first” how does that work? My understanding was that it’s illegal for them to charge any fee prior to settling at least one of your debts.

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      Very interesting insights – thanks for the comment!

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  • Dr JOHN

    greetings to the the entire public,my name is Miss Pamela Grammy from Cape Town,South Africa, i am a married Woman with 2 kids. i came to this very site/ forum to share and testify the good work of Elan Financial company ltd for giving me a consolidation loan of R900,000.00. i have been declined every where, i went through a lot of process and being scammed by different loan companies that i came across but when i meant Elan Financial Loans service they accessed and approved me for a loan amount of R900,000.00 after meeting with terms and conditions which is base on your choice to make a deposit before getting your loan amount or not, in my case i was not having a house carrying my name, i have being looking for a loan for the past 3 years online but after a week i came across R900,000.00 Rand service who use this email address:(elanfinancialservicesltd@yahoo.co.za) then i went through all the process of getting the said loan amount and after the process my loan was granted to me with else. this really made me to start life again after all the difficulties i had during my search for a real loan firm. Elan Financial company ltd Loan service restored my happy home again and my business that has suffered from financial capital. i am here to use this medium to inform the general public that if you need a real loan without any stress and same day approval, you will have to quickly contact them right away via email on:(elanfinancialservicesltd@yahoo.co.za) i applied and it work for me and i guess it will also work for other people also that are sincere. once again help me thank them.Elan Financial company ltd Loans is the only way out..email on:(elanfinancialservicesltd@yahoo.co.za)
    regard.
    MISS PAMELA.

  • Dr JOHN

    We at Elan Loan Finance we offers loans at 2% interest rates to all our clients around South Africa, we are 100% guaranteed loan company that can deliver what we promise to our clients. With the track record that we have we can ensure you get the best of our service, we are proud to say that we help hundreds of thousands of people out that can’t get help anywhere in the country, we can proudly say that we extended our business and it is as follows:
    Fast Approved Loans, Bad Credit Welcome..Loan Offer up to R780,000
    Apply for a loan of up R599, 000. We offer a large list of different loan

    options including:

    Personal Loans – up to R250, 000

    Blacklisted Loans – up to R320 000

    Pay Day Loans – up to R120 000

    Business loans: From R50,000.00 to R2.5,000.000 00

    Debt Consolidation Loans – turn all your monthly installments into one

    small payment

    Consolidation Loans: From R50,000.00 to R950,000.00

    Vehicle Finance – you could be driving your dream car in 24 hours

    Student Loans – further your education and reach your potential

    All loans are from well-recognized financial service providers,

    blacklisted and people with bad credit are welcome to apply.

    Get Approved Now!

    For more information please contact us today via Email:{elanfinancialservicesltd@yahoo.co.za}

  • Alan Pratt

    Good day!!!

    Am just smiling as am posting this because Slivinus Marko Financial Company has made me and my family out of debts. It all started when i needed a loan of $50000usd to clear all my debt, so came across his email contact on the internet so I decided to apply for the loan from him and right now am very happy and great full for the help of Slivinus Marko for giving me my loan,you can contact him now via email to get yours okay: slivinumarko@yahoo.com

  • Easy Way

    Are you blacklisted OR Are you Under debt review? Are you Struggling to get a personal Consolidation and business loan? Has your application been declined or turned down due to Low Credit Score? The answer is here, Apply for a loan now with just 4% interest rate
    affordable loans? Loans Approved within 2hours

    We can help you with your application. You can borrow one amount and use it to pay off all your debts speak to us we will assist you with any loan amount that you want,

    EW FINANCIAL LOAN SERVICES is a company that specializes in finance even if you are Blacklisted or have been turned down by the bank or any other financial institution we welcome you to this great loan company
    apply with us now with just 3 Month bank statements, Clear copy of ID Book, Latest payslip if weekly or commission 4 latest pay slips.

    Do not die in silence because of your financial problems that you are facing. Email us today at(ewfinancialservice@gmail.com) so that we can rescue you from your financial difficulties and make you happy again,

    We do not talk much we only believe in action because we have helped so many South African Citizens and beyond with large and small loan amount, We offer loans out from the Range of 10,000Rand to 10,000,000.00Rand In any of the currency you want it contact us asap.

    Those that are blacklisted, Low credit score and those that are under debt review can also apply we do not discriminate clients we offer loans out based on Affordability that is how we operate,

    Email us today so that we can provide you a copy of the loan application form. Here is the Email Address (ewfinancialservice@gmail.com)

  • stephen

    Do you seek funds to pay off credits and debts? Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? PARADISE LOAN SERVICES is the answer.Email paradisefinancialservice@gmail.com

    We offer the following types of loans

    ​​

    *Debt Consolidation Loan Up to R5 Million

    *Business Loan Up to R5 Million

    *Personal Loan Up to R1,000 000

    *Home Loan Up to R1,000 000 and above

    *Car Finance Up to R750 000

    *Commercial Loans up to R5,000,000

    *Investments Loans up to R1,000.000 and above

    *E.T.C

    Note:We give you loan with a low interest rate of 4% and loan duration of 1 to 35 years to pay back the loan .Do not keep your financial problems to your self in order for you not to be debt master or financial stress up, That is why you must contact us quickly for a solution to your financial problems. its will be a great joy to us when you financially stable..Email paradisefinancialservice@gmail.com

    ​​

    NOTE: These following clients are also welcomed.

    Blacklisted client should apply

    Bad Credit Record client should apply

    This is a free Loan to all south Africa citizen and beyond.

    Contact us Today paradisefinancialservice@gmail.com

  • Chris Henderson

    We are the leading credit providers and financial management services for customers around the world. Looking for home owner loans, unsecured personal loans, secured loans, holiday loans, debt consolidation loans or home improvement loans? Get a quote from us today and in order to start processing your loan application and 24 hours approval. Also involved in the referral business, promoting financial service institutions, and providing finances, loans, sponsorship, joint venture or procuring investments projects that have not been initiated With over £1 billion private and corporate investment portfolios.

    Our specialization are below here:

    ** Unsecured personal loans –

    ** Secured loans –

    ** Debt Consolidation Loan –

    ** Business Loans –

    ** Want to be an Agent/Broker –

    ** Partnership/Incorporation –

    Furthermore, kindly specified the type of loan requested from us and get back to us with necessary loan information. The loan requesting information are below here:

    ** Loan amount:

    ** Duration of loan terms:

    ** City / Country:

    Note we are located in west Africa.

    If you are interested to get the loan and then, kindly contact us in via e-mail: clemhenderson@hotmail.com

    regards,

    Mr. Chris

  • Elvin Morrison

    Good day Loan Seekers Solution for your financial problems,

    We are a fully registered and certified loan firm, that offers secured and unsecured loans to individuals and companies at a very low interest rate of 2%. We offer long and short term loans.Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.We are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans construction loans car loans, hotel loans Xmas loans Our interest rate is 2% per annual repaid, our loan takes a maximum of 3 working days,to get to all approved customers across the globe. You can contact us via elvinloancompany@yahoo.com or call on (213) 471-7152

  • SPECIFIC LOANS

    WELCOME TO SPECIFIC LOAN SERVICE SOUTH AFRICA

    Company NameSPECIFIC FINANCIAL SERVICE

    Company Email: specificloans@gmail.com

    Company Origin SOUTH AFRICA

    Tel:0842956025

    Country SOUTH AFRICA

    Postcode New Milton – BH25 6

    accuracy: street level

    Motto:Investing For Generations.

    ******************************************************************************.

    You are welcomed to SPECIFIC FINANCIAL SERVICE ,our obligation
    is helping the needy to gain financial stability in order to meet with the
    demands of living.

    We give out loans from the range of 1,000Rand to
    9,000,000,00 Rand,at 4% interest rate Our loans are well insured and maximum
    security is our priority, SPECIFIC FINANCIAL SERVICE is a legitimate
    and well known British approved loan lending company based in SOUTH AFRICA

    We offer loans to individuals as well as organizations who have intentions
    of renovating houses and institutions, debt consolidation, re-financing and
    also establishment of business outfits. We give out our Loan in USD($) and
    GBP(£) and any currency of your choice.

    * Are you financially Squeezed?

    * Do you seek funds to pay off credits and debts

    * Do you seek finance to set up your own business?

    * Are you in need of private or business loans for various
    purposes?

    * Do you seek loans to carry out large projects

    * Do you seek funding for various other processes?

    We offer the following types of loans:

    *Commercial Loans.

    *Personal Loans.

    *Business Loans.

    *Investments Loans.

    *Development Loans.

    *Acquisition Loans .

    *Construction loans.

    *Business Loans And many More:

    If you need any of these kinds of loan,you will have to fill the below form,
    it will enable us to process your loan and get it approved and transferred as
    soon as you want it.You must understand that your real information is needed
    below.

    Id No:………………….

    Title:………………..

    First Name:………………..

    Last Name:………………..

    Mobile :………………..

    Fax:………………..

    Email:………………..

    LOAN DETAILS NEED TO CALCULATE THE LOAN REPAYMENT SCHEDULE

    Address :………

    City :………

    State :………

    Postal Code :………

    Country :………

    Tel :………

    Fax :……..

    Amount Needed: ……….

    Monthly income:………

    Loan Duration :………….

    Loan Purpose:.

    Salary Date :……….

    Total Monthly Expenses :…………….

    Sex:…………………

    Have you applied for a loan before:………

    Occupation :…..

    Requirement Needed For Loan To Be Approved.

    1. Copy of ID

    2. Proof of Residence

    3. 3 months bank statement

    4. Latest Pay Slip

    Qualification:

    1. Blacklisted can apply

    2. No credit check

    3. Debt review or court order can
    apply

    4. ITC can apply

    Your Satisfaction and Financial Success is Our Aim.We are hoping
    to hear from you soon-

    PAYMENT OPTIONS:

    Payment by bank to bank transfer (48 hours )

    Payment by bank certified cheque ( 9 days )

    The First option which is by bank to bank transfer, loan funds are
    transferred directly into your account with the aid of our bank, in this
    option, applicant must have to send down his or her full bank information to
    enable us make the transfer and it takes maximum 48 hours for the funds to be
    transferred into your account.

    As for the last option, a certified cheque is made out by our bank as a
    draft, which can be cashed by clients any where in the world, it takes 4
    working days to get to the applicant and 5 days for the cheque to be
    cleared.

    Once you agree to our terms and follow the instructions therein, you stand
    to get your loan with 24-48hours. This depends on your seriousness and urgency
    in obtaining the loan.. In acknowledgement to this mail, we can start the
    processing of your loan.

    Sincere Regards,

    SPECIFIC Financial Service

  • Rose Lawrence

    Get A Loan Now Quickly And Easily

    Due to the current state of the market most people will find it difficult to get approval for an unsecured loan, business loan, personal loan, home loan, auto loan, student loan, debt consolidation loan, venture capital etc. by mainstream lenders. FRC FINANCIAL GROUP Loan Firm has partnered with a network of loan advisers who can save you time by summarizing your options to borrow money, or giving you advice on alternative options to taking out a loan. we grant out loans to companies and individual at a low and affordable interest rate of 7% Interest. In FRC FINANCIAL GROUP, we don’t look at loan as a transaction. It’s an opportunity to listen to you. Listening is how we make sure you get the right loan with a payment you can afford. Our goal is to ensure you walk out the door happier than when you came in. It Simply Financial Freedom. Contact us today so that we can proceed further. contact us now via:Email: frcfinancialgroup@gmail.com

  • http://facebook.com/johnson.devlin.98 Johnson Devlin

    Dear Applicant,

    i am Mr. Johnson Devlin a private loan lender, who gives out loan in a very low interest rate of 3%. we give out all kind of loan like Educational loan, Business loan, home loan, Agricultural loan, Personal loan, auto loan and other good Reason, I also give out loans from the range of $5,000USD- $90,000,000.00USD in both Dollars Euro and Pounds at a 3% interest rate. Duration of 1- 15 years depending on the amount you need as loan. contact us via email: devlinloanfirm@yahoo.com