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  • 9.87 / 10
  • BBB A+ Rating Accredited

    Millions In Debt Resolved

    25th Highest Ranked Financial Services Firm in US

    Trustpilot Rated 4.9 out of 5 Stars With Over 7,000 Reviews
  • $10,000 Minimum Unsecured Debt

    No Upfront Fees

    No Minimum Credit Score

    24 to 36 Month Program
  • There is a reason ClearOne Advantage is ranked #1. They got involved in the debt-relief industry at a time when millions of Americans were in financial trouble. They work with you to create a custom, confidential debt relief plan you can afford. Their certified debt specialists negotiate lower final payment amounts with creditors, so you can pay back a reasonable portion of your bill.
Fiona Reviews
  • 9.4 / 10
  • 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
  • Loans of $1,000 to $100,000

    24 to 84 Month Loan Terms

    APR of 4.99% to 35.99%
  • 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.
Lendingtree Reviews
  • 9 / 10
  • Largest Lending Network in the United States

    Rated A- by the Better Business Bureau

    Get Up to 5 Loan Offers In Minutes
  • Loan Amounts of $1,000 to $50,000

    3 to 15 Year Loan Terms

    580 Minimum Credit Score

    APRs of 5.99% of 35.99%
  • LendingTree is America's largest online lending marketplace. It connects borrowers with multiple lenders so they can find the best deals on loans, credit cards, deposit accounts, insurance and more. LendingTree allows borrowers to shop and compare competitive rates and terms across an array of financial products.
BadCreditLoans.com Review
  • 9.25 / 10
  • Helping People With Bad Credit Since 1998

    No Minimum Credit Score Required

    Loan Approval Within 24 Hours
  • Loans of $500 - $5,000

    Loan Terms of 3 - 72 Months

    APRs of 5.99% to 35.99%
  • BadCreditLoans.com has been helping borrowers with bad credit since 1998. Filling out & submitting the application are free and they use data encryption technology to make sure your information is protected. BadCreditLoans.com is a valuable resource for those seeking funds in times of need.
PersonalLoans.com Reviews
  • 8.5 / 10
  • 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

  • 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%
  • 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.
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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. Debt Settlement companies negotiate 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.

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


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).