Credit Card Debt Relief Reviews & Success Stories

Credit card debt causes problems for millions of consumers each year. With tight budgets and limited means, consumers often turn to credit to get by and end up facing severe financial distress because they cannot afford to pay back everything they owe. We’re here to help! If you’re struggling with credit card debt, find debt relief today by calling for a free debt and budget consultation or take the first step online by completing a request for a Free Debt Analysis.

Sea Bright , NJ

Elizabeth H.

I researched, heavily, many consolidation and/or debt reduction companies, before choosing Consolidated Credit. From the moment I first spoke with a representative, I knew I'd made the right choice. I had about $27,000 worth of debt to dig out of, one credit card had a 34 interest rate.

My credit counselor was wonderful! I got set up right away with the payments. Anytime I ever called I got treated with such respect. There were months when I couldn't pay the full amount, or I often had to delay the payment. Never did anyone EVER talk down to me. In fact, it was like I had my own personal cheering squad. They were constantly encouraging and genuinely thrilled that I was on my way to being debt free. I cannot thank Consolidated Credit enough! Having that much debt and being so scared it would never be paid off was so terrifying, but they totally got me through. Thanks!!!

Haverhill , MA

Debra T.

We recommend Consolidated Credit to anyone in need of paying off any substantial amount of debt as painlessly as possible. We just made our final payment on nearly $50,000.00 of credit card debt on just three cards. Before Consolidated Credit, we had been making payments that were less than the minimum so each month we were incurring late fees on top of the high interest rates. Consolidated Credit arranged to have our extremely high interest rates eliminated on two cards and reduced the third from 29 to 6. What this did was establish a fixed balance so that with each payment we actually saw our balances decrease. We were told that based on the total and the amount we could afford to pay Consolidated Credit monthly our debt would be eliminated in three and a half to four years! Just before the three year mark we had to work with Consolidated and the card owners to reduce our commitment. Consolidated did all the work and acquired a reduced payment we could guarantee. We finished our commitment and paid off EVERYTHING in three years and eight months!!!

My main reason for contacting Consolidated Credit was that they were advertised as a "not for profit" debt consolidator. Knowing that "not for profit" does not mean "at no cost" I was aware that this was going to cost something; but $5.00 per month was unbelievable!!! The last thing I wanted was to become involved with an entity which would attempt to profit off of peoples' misery and despair when they were attempting rectify their financial state.

San Diego , CA

Christine W.

We were up to our ears in credit card debt from purchasing a house we couldn't afford. They were able to enroll most of our credit card companies in the program and brought our interest rates to anywhere from 0% to 2%. Now, at the halfway mark, we can envision what it will be to be completely debt free!

The credit counselors are incredibly warm and helpful when you call. They are always available and they keep close track of your creditors by requesting quarterly updates, making sure all the companies are still at the agreed interest rate.

Concord , NC

Tammy B.

I have struggled most of my adult life with debt. I feel like I am responsible person and have never gone "crazy" with credit cards. But in this economy, there were many times that I had to buy gas and groceries on credit just to make it from paycheck to paycheck. Of course the snowball effect began and the bills started piling up (making the minimum payments became impossible). For anyone out there that has lived this nightmare you know that once you get behind catching up is a joke! I could not answer my telephones and the letters they were sending just plain scared me! Remember I am the responsible one that takes care of my obligations!

As a last resort I started checking into help! Do I file bankruptcy or do I consolidate? Well after talking to Consolidated Credit I felt that this was the best way to go. I was so right! My trick was to open a separate checking account at my bank and I had the amount of money that I needed each month to pay Consolidated Credit put in that account. I had Consolidated Credit automatically withdraw from that account. Doing it this way I was sure not to be short on funds when the payment came up. Everything got paid off and it even was a few months sooner than we had been told. Is it a perfect situation? No, but it was better than Bankruptcy, and much better than the phone calls and letters!

Kendall Park , NJ

Bernice C.

I never would have paid off three credit cards (which I consolidated) as fast as I did, had I done it myself. Being on a structured program really kept me on track and has helped me be aware of out of control spending going forward.

Nashville , TN

Kevin B.

4 1/2 years ago my wife and I had $34,000 in Credit card Debt. Last month through Consolidated Credit we paid off our last credit card and we are now Debt free, it’s a great feeling and it’s all thanks to them. Thank you from the bottom of my heart.

Miami Beach , FL

Jasmine K.

I almost made that call to the bankruptcy attorney but instead picked up the phone and called Consolidated Credit Counseling Services. It was the most important phone call I would ever make. I had close to $30,000 in credit card debt, racked up from my college years and beyond. Before I joined the CCCS program my interest rates were outrageously high, and just making the minimum monthly payments got me nowhere. That looming debt was my constant burden. I thought I would never be free of debt, but I stuck it out and this month is my final month with CCCS. I will begin the New Year credit card debt free! I never thought I would speak those words but I can honestly say that CCCS changed my life and has given me an opportunity for a new beginning.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
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Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business. Call us today and see what we can do for you.

Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

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With this amount of debt, you'd pay around $xx.xx on a DMP.

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