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Find the Best Debt Consolidation in Tallahassee, FL

For Tallahassee residents facing constant collection calls, debt consolidation and settlement can be a solution. Debt settlement companies work with your creditors to attempt to reduce the amount you owe. We researched the best debt consolidation in Tallahassee to lower monthly payments and ease your debt burden.

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Compare Top Debt Settlement

National Debt Relief
Overall satisfaction rating
  • Minimum $10,000 credit card debt required
  • Member of the AFCC (American Fair Credit Council)
  • No fees until debts are settled
  • Debt consolidation loan alternative

Get out of debt without bankruptcy!

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Freedom Debt Relief
Overall satisfaction rating
  • Minimum $15,000 credit card debt required
  • Accredited by the BBB
  • Free consultation online
  • Debt consolidation loan alternative

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
Overall satisfaction rating
  • Minimum $10,000 credit card debt required
  • Good credit not required
  • Free Debt Analysis and consultation
  • Debt consolidation loan alternative

This debt settlement company helps clients eliminate debt in as little as 24-36 months. It uses state-of-the-art software and a team of experts to negotiate your debt with your creditors. Settlement only, not a lender.

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Accredited Debt Relief
Overall satisfaction rating
  • Track your progress 24/7
  • Minimum $10,000 credit card debt required
  • No credit impact
  • Debt consolidation loan alternative

Minimum debt required is $10,000. Average debt settlement program takes 2-4 years. Multiple plans available, and no fees are required until settlement is reached. Money-back guarantee. Debt settlement only, no loans available.

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CountryWide Debt Relief
Overall satisfaction rating
  • Minimum $10,000 credit card debt required
  • 30+ years of experience
  • Debt consolidation loan alternative
  • No upfront service fees

Offers options for debt relief, including debt consolidation programs, debt settlement and credit counseling. Helps people facing financial hardships or bankruptcy. Not a direct lender. Recommends a minimum debt of $10,000.

Learn More (877) 944-9077 Read More
Pacific Debt Relief
Overall satisfaction rating
  • Calculate your payment online
  • Minimum $10,000 credit card debt required
  • One low monthly program payment
  • Debt consolidation loan alternative

$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.

Learn More (213) 330-0553 Read More
Debt Rx
Overall satisfaction rating
  • Minimum $10,000 credit card debt required
  • Free, no obligation debt analysis
  • Tailored debt solutions for each customer
  • Services offered in Spanish

Get personalized service and attention when you’re seeking debt relief. Find out more about your debt relief options with a free confidential consultation, and use its debt calculator to see how much you can save.

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How to choose debt consolidation in Tallahassee

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There are many reasons Tallahassee residents go into debt, and attempting to pay it off while also meeting your monthly expenses can be overwhelming. The constant financial pressure can lead to missed payments and increased interest rates. Between credit card payments, medical debt and student loans, it’s easy to get behind on payments and much more difficult to catch up.

Nearly 40 percent of Leon County residents have debt that is in collections, which is higher than the national average of 33 percent. Around 16 percent of Leon County has student loan debt in collections, while 23 percent are behind on payments for medical debts.

Getting debt consolidation help in Tallahassee

One of the most common forms of debt consolidation in Tallahassee is debt settlement, which lets you make one monthly payment into an account created for debt settlement purposes. The debt consolidation company you’re working with uses these funds to negotiate with creditors in an attempt to settle your debts for a reduced amount.

Generally, debt consolidation services in Tallahassee prefer a minimum of $10,000 in unsecured debt. Secured debt is ineligible for debt settlement.

Secured vs. unsecured debt

Secured debt Unsecured debt
Debt with an asset used as collateral that can be seized by the creditor for defaulting on the debt. This includes car loans and mortgages. Debt with no asset securing the loan, such as credit card debt, medical debt and student loans.

It typically takes between two to four years to finish the debt settlement process. While debt settlement may have an initial negative impact on your credit score, it’s generally a better option than bankruptcy. Unlike bankruptcy, debt settlement:

  • Remains private and is not public record
  • Typically has a reduced negative impact on your credit score
  • Protects personal assets

Other debt relief options in Tallahassee

If your debt is lower than the minimum amount debt consolidation companies prefer, there are options you might consider. These include:

  • Transferring your debt to a credit card with 0 percent interest on balance transfers
  • Taking out a debt consolidation loan to pay off all current debts and reduce your number of payments
  • Working with a debt counseling agency to create a financial plan to handle your debts

If you have a good relationship with your lender, it’s also possible you may be able to negotiate with them to lower your payments or settle your debt for a lump sum amount. This can be a time-consuming, complicated process, however, which is why most Tallahassee residents rely on a debt consolidation company’s expertise in the area.

Debt Consolidation Reviews

National Debt Relief

National Debt Relief helps clients handle debt by assisting with creditor management and settlement negotiation. The company is accredited by the Better Business Bureau with an A+ rating and charges no fees until it achieves results. Tallahassee residents appreciate the strong customer service and expert knowledge of Florida laws.

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Freedom Debt Relief

Freedom Debt Relief offers free debt evaluation and a customized approach to quickly and cheaply resolve your debt struggles. The company has settled more than $9 billion in debt and offers flexible and low payment options. Tallahassee customers praise the company’s representatives for their compassion and eagerness to help.

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CreditAssociates

CreditAssociates aims to help customers live debt-free lives within two to three years. After a free consultation, Tallahassee residents will be aided by an agent who negotiates on their behalf and helps erase or reduce their medical and credit card debt. Reviewers from Tallahassee like the quick response time from representatives.

CreditAssociates

Accredited Debt Relief

Accredited Debt Relief offers debt settlement services as well as other options for debt relief. The company offers free consultations with certified debt counselors to discuss your options and see if debt settlement is the right choice for you. Tallahassee customers recommend the company for the expert advice and guidance provided by its representatives.

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CountryWide Debt Relief

CountryWide Debt Relief has more than 30 years of experience and offers free consultations, fast approval and low monthly payments. The company provides debt settlement and debt consolidation services and accepts clients with bad credit. Tallahassee residents enjoy CountryWide Debt Relief’s employees for their expert insight and professionalism.

CountryWide Debt Relief Learn More (877) 944-9077

Pacific Debt Relief

Pacific Debt Inc. was founded in 2002 has settled more than $200 million in debt by offering services such as debt settlement and credit counseling. The company helps Tallahassee residents fully understand their debt situation while providing top-notch customer service. Local reviewers appreciate how the company treated them with respect during the process.

Pacific Debt Relief Learn More (213) 330-0553

Debt Rx

If your credit card debt exceeds $7,500, this debt settlement company can help. Debt Rx is small enough to offer individual solutions for debt relief. If you’re behind on bills, Debt Rx can help keep creditors away as mentioned in customer reviews who spoke highly of their effective service.

Debt Rx Learn More (844) 984-0780