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Guide to Lenders Reviews
  • EDITOR'S SCORE
  • 9.75 / 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

    Ranked #1 For Top 6 Personal Loan Reviews
  • WHAT WE LIKE
  • Loan Amounts of $1,000 to $40,000

    24 to 84 Month Loan Terms

    APR of 5.99% to 35.99%

    Network of Over 150 Lenders
  • 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.
BadCreditLoan Reviews
  • EDITOR'S SCORE
  • 9.00/ 10
  • SUMMARY
  • A Convenient Option For Emergency Funds

    Has Been In The Business of Helping People Since 1998

    Helps Connect You To Lenders That May Work For You

    An Advocate For Poor Credit Loan Applicants
  • WHAT WE LIKE
  • Loan Amounts of $500 to $5,000

    3 to 72 Month Loan Terms

    APR of 5.99% to 35.99%

    Loan Approval Within 24 Hours
  • 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.
CuraDebt Reviews
  • OUR PARTNER
  • EDITOR'S SCORE
  • 9 / 10
  • SUMMARY
  • Counseled Over 180,000 Clients Since 2000

    Customer Lobby ranked 5 Stars

    Shopper Approved Ranked 5 Stars

    Member of American Fair Credit Council
  • WHAT WE LIKE
  • $7,500 Minimum Debt

    No Upfront Fees

    No Minimum Credit Score

    24 to 48 Month Program
  • AVAILABILITY
  • Clients NOT Accepted In The Following States: CT, GA, KS, MT, ND, OR, PA, PR, SC, VT, WA, WV and WY. Tax Services are not available in IL, PA and PR.
Accredited Debt Relief Reviews
  • OUR PARTNER
  • EDITOR'S SCORE
  • 9.5 / 10
  • SUMMARY

  • Nationally Recognized Debt Settlement Company with a Commitment to Customer Satisfaction

    Rated A+ by the Better Business Bureau

    Accredited Member of American Fair Credit Council

    Personal Account Manager To Help Resolve Debt
  • WHAT WE LIKE
  • $7,500 Minimum Debt

    No Upfront Fees

    No Minimum Credit Score

    24 to 48 Month Program
  • AVAILABILITY
  • Clients accepted in the following states: AK, AL, AR, AZ, CA, DC, FL, IA, ID, IN, MA, MD, MI, MO, MS, MT, NC, NE, NM, NV, NY, OK, PA, SD, TX, TN, UT, VA, WI

Best 2018 Debt Consolidation
Freedom Debt Relief

LEARN ABOUT DEBT CONSOLIDATION

LEARN ABOUT DEBT CONSOLIDATION

Debt Settlement Complaints

 

Consumer Debt in America

At the close of 2017, consumer credit card debt in America reached close to $1 trillion. Credit card balances continued to climb and most consumers laid the blame on their own unnecessary spending. The average household that carried credit card debt had an average balance of just under $16,000.Living costs have increased compared to income. A significant rise in medical costs and food prices compared to income have contributed to this negative cycle.

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).