Top 7 Debt & Loan Consolidation Services for Americans

Balance Reduction - A Better way to Reduce Monthly Payments

We are founded on the vision of a Debt Free America. To that end, our Personal Financial Analysts are highly trained to find and create personalized balance and payment reduction programs from attorneys or licensed firms in your local region.

These powerful, accredited attorneys or debt resolution firms will consolidate all of your multiple unsecured creditors into one payment, avoid bankruptcy, lower your monthly payments in total, and shave years or a decade off of repayment periods.

• Reduce your payments to a fraction of what you owe
• Consolidate multiple payments into one
• Be debt free in 12–48 Months

It's Free to Get Started!

Our Clients have a 100% satisfaction guarantee and can cancel at any time with no further obligation.

Who is eligible? Anyone with more than $10,000 in unsecured credit card debt that is not currently in bankruptcy or litigation over those debts and has a verifiable ability to make payments. The strong backbone of these programs is that they generate real savings; and if we cannot find a partner that can generate real tangible savings for you, we will tell you that too!

What's Included In Your Free Savings Estimate?

• How Much You Could Save.
• How Many Months To Resolve Your Debt.
• Benefits Over Other Debt Relief Options.
• Your New Low Monthly Payment.

Struggling to pay back your debts? 

We have counseled over 300,000 people since 2000. There are legal debt relief options available. The solution is often faster, easier and saves a lot more money than what you may be doing now.

How To Get Out Of Debt For Credit Cards, Unsecured Debts & Tax Debts.

Are you making minimum payments on your unsecured debts, but not going anywhere or are already falling delinquent?

Thousands of people come to us each month stating that they are making minimum payments on their credit card debts and unsecured loans, yet the balances have not gone down. In some cases, they have already paid back the amount they originally spent, one, two or even three or more times. Most people have no or very little money left over at the end of each month for emergencies or recreational activities.

Get Started with your Free, No-Obligation Consultation

What do we do?

We help people across the U.S. by matching them with personalized financial relief options that work. We've helped thousands of clients find financial peace of mind.

• Tell Us About Your Financial Situation: Call us or fill out our online form for a free, no-obligation consultation.
• Match With a Debt Consolidation Option: Our products can be modified to best fit your monthly budget.
• Start Saving Money: We provide options that can help lower your monthly payments and reduce your financial burden.

Your Success is Our #1 Priority

Our fees are 100% success-based – we don’t get paid until we have helped you achieve a solution for your debt.

How Monthly Savings Brought Rosemary Financial Relief

After Rosemary took out loans to repair her home, she found herself in serious debt. Accredited Debt Relief helped her reduce her monthly payments from $2,800 to $678!

Our highly rated debt consolidation options can give you the help you need to achieve a brighter financial future. We’re proud to provide excellent service and quality debt consolidation products to our clients.

The ClearOne Advantage – Debt Relief that Works

Getting out of debt on your own may seem overwhelming, or even impossible – but It doesn’t have to be, and you don’t have to do it on your own. By partnering with ClearOne Advantage – you gain an experienced team of professionals dedicated to your success, no matter what your situation.

Our highly skilled Certified Debt Specialists, Negotiators and Client Relations Specialists go through extensive training and have years of experience to ensure that we are getting you the biggest savings when settling your debts.

Benefits of Working with ClearOne Advantage

Personalized plans to fit your budget - Finances are personal and we know that not everyone has the same needs so our programs take into account your budget and circumstances to make sure your plan is affordable for you while still getting you out of debt in a reasonable amount of time.

No upfront fees - Other debt relief options can require hundreds or even thousands of dollars in fees just to get started. With ClearOne Advantage there are no start-up fees and you never pay a settlement fee until your debts are resolved and you save money.

Dedicated team of professionals that work for you, not the creditors

• Certified Debt Specialists to make sure you understand the program - From your first call, you will work with a caring professional who will take the time to understand your situation and create a personalized plan that fits your budget.
• Expert Negotiators to get you the best terms with your creditors - Our Negotiators have years of experience working with creditors and are highly skilled at settling debts for the largest savings and in the shortest amount of time.
• Customer Loyalty Group to manage your account and support you along the way - Our Client Relations Specialists are available by phone, email, or chat to answer any questions you have and make sure your account stays on track.

You’re in control, our debt experts do the work.

1. Talk to us for a free consultation: Tell us your situation, then find out your debt relief options – no obligation.
2. We create an affordable plan that works for you: Approve your plan, personalized from our suite of products.
3. Get out of debt faster than you think: Get back to financial stability and living your life within 24-48 months.

We’ve Transformed The Lives Of Hundreds Of Thousands Of People

“Our mission is helping you get your life back, enabling you to enjoy life freely. With our dedicated team of experts, we strive tirelessly to make a substantial and lasting difference in your journey towards debt relief.”

Turn To Us. We Can Help.

Something really exciting happens after people have their first phone call with us. No matter what’s going on in your financial life, we’re here to help.

Since 2009, we’ve successfully helped more than 550,000 people resolve their debt, reclaim their independence and get their life back on track. Our highly rated, unique Whole Human Finance™ approach to debt relief supports our clients’ journeys, empowering them to resolve their debt and confidently manage their finances.

InCharge is trusted and reputable and has helped over a million people like you repay a staggering $3.4 billion in debt.  With an A+ rating from the Better Business Bureau, InCharge is also a member of the National Foundation for Credit Counseling (NFCC) and is accredited by the prestigious Council on Accreditation (COA).

Too Much Debt? Consolidate Debt in Minutes

InCharge Debt Solutions, a leading nonprofit organization, offers free and impartial debt relief solutions to consumers struggling with credit card or other unsecured debt.  If you feel overwhelmed by debt, call a certified credit counselor or get started online for a free analysis of your financial situation. You could be just minutes away from debt relief.

• TOTAL DEBT PAID OFF: $3 Billion
• PEOPLE HELPED: 3 Million
• FREE BOOKS: 10,000
• FINANCIAL WORKSHOPS: 1,000

Debt relief is an opportunity to put your credit card debt behind you without paying the full amount owed. Our debt experts negotiate with your creditors to get them to agree to settle for less than the full amount you owe, so you can resolve your debt for less and in less time than other debt solutions.

As a debt relief company that has been helping people for over 15 years, we know how to create a custom debt relief program that gets you the best possible results.

There are 4 phases in the Freedom Debt Relief program:

1. Build: Each month, you make a deposit into an FDIC-insured dedicated account that you control. As your account grows, we create a custom plan to get you out of debt.
2. Negotiate: After enough funds build up in your account, we negotiate with your creditors to settle your debts for significantly less than you owe.
3. Settle: Our expert negotiators work hard to get you the best savings possible. Every time we settle one of your debts, we contact you for authorization and approval.
4. Freedom: After the full settlement amount is paid on each account, you no longer owe your creditors. Your credit card debt is behind you!

We’re your debt relief partners, every step of the way.