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Debt Care Plus

Editor's Choice

4.4

(1,000+ reviews)

Debt Care Plus offers a full spectrum of programs and services to support clients through all stages of debt relief.
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24/7

Support Specialists

Lower rates through consolidation

As one of the leading debt settlement and credit counseling firms, Debt Care Plus offers a full spectrum of programs and services to support clients through all stages of debt relief. Since 2015, thousands of individuals and families have been able to pay off large debt loads, sometimes saving over fifty percent of what was originally owed.

Overall Ratings: 9.8 /10 Excellent

Debt Care Plus has received high ratings from clients, showing that its programs effectively help reduce debt loads and monthly payments for thousands.

Benefits

Credentials

How it Works

Free analysis, then tailored programs are designed. Depending on debt type and goal, options include consolidation, credit coaching, or settlement assistance. Regular updates aid in continuous progress.

Debt Consolidation

Combining multiple balances into one lower rate through debt management. Counseling provides resources on better money management.

Credit Counseling

Disputing incorrect reporting and negotiating with IRS or state departments for tax obligations.

Settlement Negotiations

Monitoring the Do Not Call registry and debt collection laws to enforce client rights and resolve outstanding issues.

Program Variety & Reputation

Debt Care Plus offers various program options for varying financial situations and debt amounts. Plans range from shorter-term credit counseling to longer consolidation programs, ensuring a customized solution for each client. Fees are also structured, and they are due only once the promised results are delivered.

This diverse yet structured approach has earned Debt Care Plus recognition among debt relief providers as a leading and reputable organization. They maintain an A+ rating with the Better Business Bureau and numerous awards for innovation and client satisfaction in the highly regulated but critical debt settlement and consumer advocacy services industry.

Program Costs:

Debt Care Plus is committed to accessibility and transparency with service fees. With no initial fees or down payments required, clients only incur costs as part of their payment plan upon achieving agreed-upon debt relief milestones. Success-based fees range from 15% to 25% of total enrolled unsecured debt, assessed over the length of the program. This success-based structure eliminates unexpected charges and aligns costs with client results. The company provides a full overview of applicable fees during the initial consultation to set appropriate expectations before program enrollment.

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COMMON QUESTION

Frequently Asked Question

Have questions about our lender reviews or how we assess lending platforms? Find answers to the most common inquiries below.
What is debt consolidation?
Debt consolidation is the process of combining multiple debts into a single loan or payment plan. This can simplify your financial management by reducing the number of payments you need to make each month and often securing a lower interest rate.
You can consolidate your debt through various methods, including taking out a debt consolidation loan, transferring balances to a low-interest credit card, or enrolling in a debt management program. Each option has its own benefits and requirements, so it’s essential to choose the one that best fits your financial situation.
Yes, debt consolidation can save you money by lowering your overall interest rates and reducing the total amount you owe over time. By consolidating your debts, you may also lower your monthly payments, making it easier to manage your finances and pay off your debt faster.
Research is key. Look for companies with strong reputations, transparent terms, and low fees. At Lender Reviews, we’ve handpicked top-rated companies based on detailed reviews, ensuring you find trustworthy providers with competitive interest rates and favorable terms. Be sure to compare options, read reviews, and check for accreditations before making a decision.
Debt consolidation combines multiple debts into one loan with a lower interest rate, while debt settlement involves negotiating with creditors to pay less than what you owe. Debt settlement may have a more negative impact on your credit score compared to consolidation.
Initially, applying for debt consolidation can result in a small dip in your credit score due to a hard inquiry. However, over time, successfully consolidating and repaying your debts can improve your score by lowering your credit utilization ratio and simplifying payments.

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