Consolidating credit card debt companies

After 100 hours of researching and calling debt consolidation companies, our top choice is National Debt Relief, which is one of the most transparent companies we spoke to.

It also offers top-notch customer service, and its costs and fees are well in line with industry standards.

Accredited Debt Relief is an affiliate and offers the same programs.

New Era Debt Solutions is another standout company.

Most often, the required collateral is a second mortgage or a home equity line of credit.While you're building up your funds, the company or lawyer you've selected negotiates with your creditors to try to reduce the total amount of debt you owe.When a settlement is reached, the funds you have been setting aside go toward paying your creditors and negotiation fees.Bankruptcy: This should a last resort as it negatively affects your credit for many years.With bankruptcy, you officially declare that you cannot pay your debts.

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To pursue bankruptcy, you must qualify and complete the entire process, including pre-filing and post-filing counseling.

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