How to Get a Credit Card Debt Consolidation Loan

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A Debt Crisis

The United States is in the middle of one of the biggest debt crises in history. If you’re like most Americans, you have some significant debt to your name.

Credit card debt is quickly becoming the most serious (and difficult to get out of) type of debt. Credit card debt is more dangerous than many other kinds of debt because of the high interest rates that typically accompany credit card balances. Click here to skip down the page to the debt consolidation company that we recommend.

Credit Cards

If you are using credit cards to pay for daily needs and you’re not making enough income to pay off your debt every month, you’re likely ¬†backing yourself into a tough financial situation. You’re not alone – millions of Americans are mired in credit card debt that seems insurmountable.

Credit Card Debt Consolidation

For many, the first step towards freedom from credit card debt is debt consolidation. If your credit score is good, it will generally be easier for you to find a credit card debt consolidation loan with a low rate. But even if you have bad credit, there is likely an option that makes more financial sense than just continuing to accumulate debt at high credit card interest rates.

Debt consolidation is often a financially sound choice for those struggling to pay credit card balances. But how should you go about choosing a debt consolidation company?

Picking the Right Organization for Debt Relief

Here are some things to look for when picking a debt consolidation company:

  • The organization should offer you a free consultation. Any group that asks you pay for a consult is not really interested in helping you get out of debt.
  • The free consult should not obligate you to purchase anything. If it feels like the organization is trying to “sell” you something, keep looking.
  • The organization should participate in the Better Business Bureau rating system, and have an A+ rating. Don’t trust your financial situation to a company with anything less.
  • The organization should be based in the United States.

Our Recommendation

Accredited Debt Relief is a California-based company, with an A+ Better Business Bureau Rating. The company is an LLC, has been in business since 2011, and employs 145 people. Their free debt consultation can be initiated via their website.


Debt Relief: Debt Consolidation, Loan Refinancing, and Consumer Credit Counseling

Debt is everywhere.

Most college graduates owe thousands in student loans. Wages have not kept up with the cost of living, and many people rely on credit cards just to take care of their day-to-day needs. Home ownership has become an enormous financial burden, and millions of Americans struggle to pay their mortgages. Foreclosure rates are skyrocketing. Health care costs are out of control, and one serious illness can put a family in dire financial straits.

The result? A debt crisis that is spiraling out of control.

If you are one of the millions affected by debt, there is help available. Debt consolidation, loan refinancing, and consumer credit counseling are real options that can make the difference between bankruptcy and finding a way out of financial burdens.