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      May 30, 2020

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National Debt Relief vs Credit.org

Best Debt Consolidation Programs

To help you find the Best Debt Consolidation Programs, TopConsumerReviews.com provides you with an in-depth comparison of National Debt Relief and Credit.org.

To see ALL of our reviews for the Best Debt Consolidation Programs, please Click Here

Debt consolidation can make a lot of sense for people with a high level of debt or paying a lot of bills. In these tough economic times many Americans are faced with significant credit card debt and are looking for help reducing their monthly payments. Debt consolidation is a method often used in this situation and helps consumers simplify their budget.

After consolidating their debt, many people report a reduced sense of stress. This is especially true when debt consolidation allows the consumer to better meet their obligations and get back on their feet financially. It's important to remember that after debt consolidation, consumers should closely monitor their finances and avoid taking on any new debt.

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2020

Debt Consolidation Reviews

5 stars
National Debt Relief

NATIONAL DEBT RELIEF

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Cost:

National Debt Relief provides free assistance to review your financial situation and offers debt consolidation and other options to assist.

New Customers: 1-888-919-1355

TopConsumerReviews.com Best-In-Class Blue Ribbon Award National Debt Relief offers debt consolidation along with other customized financial solutions for customers with $7,500 or more in unsecured debt. They are successful as a result of their proactive efforts to identify the best options for each individual customer's financial needs. They have helped over 100,000 customers get back on their feet since opening their doors in 2009.

Debt consolidation shoppers can expect a professional experience when doing business with National Debt Relief. This starts with an informative and customer-friendly website that helps you understand the financial solutions available at National Debt Relief before speaking with a consultant.

The process is easy to get started with National Debt Relief. You simply complete an online form or call their dedicated debt help line at 1-888-919-1355 for assistance. You'll discuss your financial situation with one of their certified debt counselors, who will walk you through a free debt analysis to determine if debt consolidation or another route with help you best reach your financial goals faster. The staff at National Debt Relief are both knowledgeable and friendly, and we appreciate the level of professionalism and care they provide.

If the consultants recommend that debt settlement or debt negotiation are better routes than debt consolidation, you'll know you have other options to consider. The amount of savings available varies by the solution identified, as well as a number of factors that the debt consultant explains before you two make a final decision.

National Debt Relief has earned an impressive "A+" rating with the Better Business Bureau. This clearly indicates their dedication to the customer. They also offer a 100% satisfaction guarantee, which means if you're not happy with their service, you can cancel at any time without penalties or fees.

If you're looking to consolidate your creditor payments, you'll find that National Debt Relief is a reliable option. They employ friendly and knowledgeable staff to help you reduce your monthly payments and simplify your life. National Debt Relief (1-888-919-1355) earns our highest rating and is a great place to start.

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4.5 stars
Credit.org

CREDIT.ORG

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Cost:

Most of the services offered are free. Some of the coaching services have a nominal fee depending on your circumstances.

Credit.org has a stellar reputation spanning more than 45 years in operation. Also known as Springboard Nonprofit Consumer Credit Management, this service offers non-profit financial coaching for a wide range of credit and debt concerns, including housing (foreclosure, reverse mortgage, pre-purchase), bankruptcy, student loans, and debt relief. The BBB rates credit.org as an "A+" accredited business across all of the services provided. Additionally, credit.org is accredited by the National Foundation for Credit Counseling (NFCC).

One of the most compelling reasons for considering credit.org is that many of their services are free of charge. For example, here's what you get when you choose to use their Debt and Credit Coaching:

  • Complete Financial Review
  • Free Credit Education
  • Debt Resolution Options and Suggestions
  • Resources and Referrals
  • Personalized Financial Action Plan
  • Ongoing Support

Yes, you understood that correctly: you'll pay absolutely nothing to use credit.org's phone coaching for these services. Because this service is funded by donations and government grants, you are able to access a wealth of support at no cost to you.

Now, that's not to say that everything is free when you use credit.org for debt relief coaching. For example, if you're looking for a more traditional debt management plan - to help you pay off your debt faster, reduce your interest rates, create a realistic budget, consolidate payments, and/or stop collection calls - you may pay a small enrollment fee along with monthly service costs.

What are those fees? They vary according to a number of factors. After our investigation, we can tell you to anticipate an enrollment cost of around $35 and monthly fees up to $20. Your exact costs will depend on the state where you live, your personal situation, and whether you qualify for a reduction or waiver of your fees due to hardship. Unfortunately, we couldn't find specifics from credit.org about their eligibility requirements for those reductions/waivers.

We really appreciate that credit.org has so much to offer at no charge. And, for many consumers, some knowledgeable, friendly coaching may be all they need for debt relief - to identify the best steps to take next and the ideal resources to get them there. Plus, credit.org's fantastic reputation over nearly 5 decades is a huge advantage in an industry where it seems like some new financial or debt service is always popping up. For their wide range of services, including free coaching for consumers, credit.org earns very high marks and is worth your consideration.

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Continued from above

Finding the right debt consolidation program can be confusing for many individuals. Thankfully a number of reputable financial companies allow consumers to search and apply for debt consolidation online, from the convenience of their home. This increases the chances of finding the right debt consolidation program that meets their needs.

Before applying for a debt consolidation program, you should consider these important points:

  • Method. What options will the company provide you with in their debt consolidation program?
  • Cost. Does the company charge a fee to review your finances and identify financial solutions? What are the details you can anticipate with your debt consolidation program?
  • History. Does the company have a long history of successfully helping clients with their financial needs? Is this a company you can trust with debt consolidation?

TopConsumerReviews.com has reviewed and ranked the best Debt Consolidation programs available today. We hope you find these reviews helpful in finding a debt consolidation program that meets your financial needs!

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