Debt Relief North Carolina

Most North Carolinians have enough credit card debt to damage their credit score.

According to credit experts, using more than 30% of your available credit limit will decrease your score. The average credit user in North Carolina currently uses almost 32% of their available credit. Borrowers owe an average of $7,225. That’s not an amount of debt that’s easy to eliminate on your own, especially if you’re only making minimum payments.

If you want to be debt-free, then you need to find a better way to pay off your credit card balances. Consolidated Credit’s debt management program helps you eliminate debt fast by reducing or eliminating interest. You can focus on paying off your balances instead of accrued monthly interest charges. Most clients are out of debt in as little as 36 payments. But you don’t have to take our word for it. This page shows you just how many credit users we’ve helped in North Carolina. See how much time and money they saved, then give us a call at to see if we can help you, too.

Debt Statistics in North Carolina

These statistics can help you understand the bigger picture when it comes to household debt for the average North Carolina family:

  • Average credit card debt per household: $7,225 [1]
  • Average available credit limit: $13,587 [2]
  • Credit utilization ratio (debt vs available limit): 31.94% [2]
  • Average number of cards: 2.95 [3]
  • % of accounts that are delinquent (at least 90 days past due): 7.43% [4]
  • Average credit score: 686 [3]
  • Most popular type of credit card: Cash back rewards [5]

Debt Relief North Carolina: See our program in action

Ray from Greensboro, NC

Keep up the good work! Consolidated Credit has been very helpful in helping get my balances down. They were there for me when I need help.

Where he started:

  • Total unsecured debt: $5,617.39
  • Estimated interest charges: $2,737.78
  • Time to payoff: 8 years, 5 months
  • Total monthly payments: $224.70

After DMP enrollment:

  • Average negotiated interest rate: 4.80%
  • Total interest charges: $156.61
  • Time to payoff: 2 years, 7 months
  • Total monthly payment: $187.00
Time Saved:
5 years, 10 months
Monthly Savings:
$37.70
Interest Saved:
$2,581.17
Shirley from Mooresville, NC

They are wonderful people to deal with, always helpful.

Where she started:

  • Total unsecured debt: $15,725.00
  • Estimated interest charges: $8,423.33
  • Time to payoff: 10 years, 9 months
  • Total monthly payments: $629.00

After DMP enrollment:

  • Average negotiated interest rate: 5.85%
  • Total interest charges: $1,697.27
  • Time to payoff: 4 years, 2 months
  • Total monthly payment: $348.00
Time Saved:
6 years, 7 months
Monthly Savings:
$281.00
Interest Saved:
$6,726.06
Suzanne from Charlotte, NC

Consolidated Credit has helped me get my credit card debt under control. They’ve been professional and easy to work with from the first call. I high recommend them to anyone needing help and relief from debt.

Where she started:

  • Total unsecured debt: $25,781.00
  • Estimated interest charges: $15,215.62
  • Time to payoff: 15 years, 3 months
  • Total monthly payments: $1,031.24

After DMP enrollment:

  • Average negotiated interest rate: 5.00%
  • Total interest charges: $2,828.02
  • Time to payoff: 4 years, 10 months
  • Total monthly payment: $494.00
Time Saved:
10 years, 5 months
Monthly Savings:
$537.24
Interest Saved:
$12,387.60
Mickey from Apex, NC

The program is working great! This has given me the tools I need to rid myself of my accumulated debt faster than I could on my own.

Where he started:

  • Total unsecured debt: $38,272.83
  • Estimated interest charges: $22,837.22
  • Time to payoff: 17 years, 10 months
  • Total monthly payments: $1,530.91

After DMP enrollment:

  • Average negotiated interest rate: 10.93%
  • Total interest charges: $7,954.05
  • Time to payoff: 4 years, 3 months
  • Total monthly payment: $916.00
Time Saved:
23 years, 7 months
Monthly Savings:
$614.91
Interest Saved:
$14,883.17